Archive | 11:41 am

One down, 11 to go

31 Jan

Well, it’s the end of the month and that means time to check in on how I am doing with my goals for 2011:

*Pay off one credit card by 2/15/11.  

 Success! I paid off one credit card this past Friday so that’s one under my belt and now just one more with a larger balance I need to take care of. Luckily, it has a 0% interest rate until June so I don’t have to worry about the extra interest I’ll be paying but I am going to start paying down more on that.

*Quit my job. 

Oi. Ok, I am still not loving my job….it’s getting busier, I’m getting more accounts in my portfolio and I had to go in this weekend to play catch up. I want to quit and say eff it but the biggest reason I don’t want to is because I don’t want to dip into my 401K money to live off of. In the six years I’ve been with the bank, I’ve saved up a nice chunk of cash and I would hate to take out some of that. There is a potential 10% early withdrawal penalty and if I were to withdraw, there is a 20% federal income tax withholding. Eek. I’ve worked really hard to save up that money so I won’t have to work so hard when I’m older and would hate to see it go away so I could live off of but at the same, if it means I’m happier, who cares? Who knows if I will be around in 35 years, months, days, hours. I c0uld die tomorrow for all I know. Also along with that, I work for a good company (as much as I bitch about it). Alot of people are trying to get their foot in the door at the company that I work for since they offer amazing benefits, vacation time, compensations, etc. I’ve been there six years and in that I have more than doubled my salary and get hooked up with four weeks of vacation plus eight sick days and two personal days not to mention tuition reimbursement, 5% matching on 401K contributions, etc. I would really hate to leave the company but I think I am going to look at other cities still where my company is located.

I had a one on one with my manager last week and told him how I feel about this job…..but in a diplomatic way. When talking about subjects that I am passionate about (such as my life), I get emotional. I start to talk fast, turn red and usually end up crying. The last thing I needed was for my manager to see that so when he asked me how things were going, I kept my cool. I smiled and told him I was going to be honest and laud it out on the table…..

I told him I wasn’t a good fit for this job

I don’t like it

 I don’t want to be in this position long-term

 I’m looking at other fields and possibly leaving the industry/company

I really don’t sleep that much as night since I’m so stressed and that I have to take Valium just to be able to sleep (ok a little fib about taking Valium to sleep, I’m saving those suckers up for when I really need them but a little dramatic effect never hurt. I wasn’t lying about the sleep though, I have major sleep issues due to stress)

He thanked me letting him know all this and seemed to be a bit overwhelmed with all the information I just laid out to him. He asked if there was anything he could do to change my opinion about the place and I just said no, it’s just not the job that I thought it was. I almost threw in there how I wished I would have stayed in my old position since they did major lay offs the other week but didn’t want to get overly dramatic. I felt really good after I said all of this and have been in talks with people in other departments who are trying to help me out come April, when I can apply for other positions within the bank. So quitting is still a possibility but it just may not be as soon as I originally thought.

As for culinary school, I am still going to look into it a little more but don’t think it’s going to be a real option for me. Mostly due to cost and what my schedule would be like. I worked in restaurants for seven years between high school and college and I somehow seemed to forget that it was night-time hours for the most part. While I hate being stuck in a cube, I want to work when it’s light outside and be able to enjoy weekends and holidays with friends and family. So much to think about!

*Check out cities that could potentially be my new home.

 On the list to do still….this time of year is tough. I usually like cold weather but get a little sick of it by February so I’m trying to figure out if I want to move somewhere that is alot cooler than here or stay somewhere warm. Plus there is always the possibility of moving back to Phoenix. I wish I could find a company that will take my personality, goals, location desires, etc. and just tell me where to go, that would make things so much easier for me!

*Pay a little more on my car payment each month so I can pay it off quicker

Success! I’ve been paying $20-$30 more each payment, hoping it will add up over time and pay off the car a few months ahead of time.

*Cut down on  Starbucks and eating out.

I’m proud to say I’ve only been going to Starbucks two-three times a week, which is a drastic reduction for me. I used to go five-six times so this is definitely helping me keep some cash in my pocket. I’ve been eating out less as well and trying to use Groupons, Living Social deals and BOGO coupons whenever I do.

*No new clothes until March.

Still on track with this one! I haven’t bought any new articles of clothing but I have been hitting up the thrift stores and found some awesome finds this past Friday. Come back this Friday for a series on Thrifting!

*Plan a stay-cation instead of jetsetting all around the country.

I haven’t even had a chance to think about this one really but have trips to Arizona and Colorado in the works. Plus, it would be nice to go to Indiana to see my sister and nieces and to Florida to see my parents. My sister is going to Florida for a week to visit her timeshare so I may try to kill two birds with one stone there and knock out visiting both Indiana and Florida. I don’t think this goal is going to be attainable this year.

*Sell what I don’t need.

I haven’t sold anything yet but I am in the works of putting together everything I want to sell, take pics, put on Craigslist, etc. If anyone in the Charlotte area is looking for a Wine Refrigerator, let me know 🙂

*Try out new ethnic recipes.

Doing alright so far with this although I could vary it up some more. I made falafel for the first time, tried pupusas and am looking forward to more ethnic variety in my life.

*Be more consistent with taking my vitamins.

I suck at this. I give myself a C- since I haven’t been on the ball with this. I remember to take them every now and then at work—they are sitting right next to my phone so I can’t believe I forgot to take them! I also have a bottle at home to take some on the weekends and that hasn’t been happening at all. I like to think since I’ve been eating more veggies, it cancels out the multi vitamin but I still want to get into a consistent routine of taking them daily.

*Cut down on my meat intake.

Huge success! I’ve been toying with tofu, tempeh, even ordering veggie meals when I get Chinese take out and making meatless Monday a regular thing! With replacing meat with everything mentioned above plus various beans, quinoa, etc. it’s been a lot easier than I originally thought it would be.

*Use skim milk or almond milk in my coffee instead of half and half.

 Success! I am still not a huge fan of it but it’s been a success. When I do go to Starbucks, I will use skim milk plus a tablespoon or two of half and half to fatten it up (i.e. make it more tasty) but I haven’t bought any half and half for my house since the new year. This is big.

Day 5-a time you thought about ending your own life

I haven’t-sorry?! I like to think that life will never be so bad that I would consider suicide as an option. Plus, I have a little fear of death which is ridiculous since it all comes to us at some point or another.

How are you doing with your goals thus far?