Monday, May 8, 2017

4 months away.

Hello.

It's been two busy and hectic months since I last wrote in here.

I've been throw under the bus at work.  My supervisor, as nice as she is.... oh goodness.  I'm getting tossed into everything and being assigned to everything.  It's a little crazy.  As fast of a learner as I am, I still get anxiety... bad anxiety attacks and my stress level is sky rocket high.  I know I'm the type to do something really well and then quit.  That's me because I get tire of people's crap and also get tired of being mistreated all the time.  Then, again, that is life.  Under appreciated for EVERYTHING. 

Life... life is ok.  I'm still loss as ever.  I don't have any long term goals as of now.  I've set short term goals for myself and those goals have 4 more months pending time.  I also set a goal to save $xx,xxx before my TOP oppa comes back from the military, but I highly doubt that will be happening anytime soon. I thought about rewriting new goals, but it's so stressful as it is right now so I will only be focusing hard on my one goal-- to pay off all my debt by September/October time frame.  The initial goal was to pay everything off by August 2017 but of course, life happens.  I have to make some changes to some things and be tight on money in some areas and some months.  It will all work out though.  I know it will because I have a written plan.

So much has changed, or I feel like so much changed. People change all the time. Things change all the time.  But all this time, I feel like I'm still in the same place and I haven't budged anywhere at all.

XOXOMNT

Saturday, March 4, 2017

No more. No more.

I received news that I will no longer be having a position at my 2nd part time job, not because I did anything wrong, but because the department is completely closing down.  I am so... very sad.

All my plans for paying off all my debts and being able to save went down hill.

I will still be able to pay off everything by the end of this year, but I won't be able to save anything at all.  Sighs.

Good things only comes by quick.

XOXO

Saturday, February 11, 2017

Life Updates

Hello,

I have officially been at my workplace for a little over 2 months now.  It's amazing how fast time flies by when I keep myself busy.  I'm really liking everything right now.  We have a new EMR going live on Monday so things are hectic at work with transferring all accounts over and pre-regging accounts that will be coming into play on Monday morning.  It's a new beginning for ALL of us so this will be a great learning process for all of us.  I'm excited and nervous at the same time.  I have to be up by 6am tomorrow to go into work and do some OT so we can be well prepared for Monday/Tuesday and the upcoming week.  It's going to be extremely interesting.

TOP oppa from Big Bang has officially enlisted in the Korean Military on Feb 9th, 2017.  It's so sad to see him go and to not have Big Bang as a group anymore until the next 8? years or so.  It will be amazing once they all reunite and release another album.  With his enlistment, I made a promise to myself that I will work hard for the 21 months that he will be gone for.  I made a small promise to myself that I will save up $10,000 minimum to have in my savings account as my emergency fund that I will NEVER use unless it really is an emergency.  That will total up to be around $476.xx amount per month.  I know some months I will be able to save more and some months less, but within that 21 months, 10g is my goal.  Until then, TOP oppa, let's both work hard at our goals.

In addition to the emergency fund/savings goal within that 21 months, I also set a new goal for myself for 2017 too.  I don't care about losing weight, don't care about what I look like, or what I don't have or anything at the moment.  My 2017 goal is to pay off ALL MY DEBTS that I owe (not including student loans) by December 31st, 2017.  That is my ultimate long short term goal.  Long term for this year, and short term for life.  I am on a mission to pay off all my unnecessary credit cards, well one of them was necessary since it was for medical treatments.  Other than that I want to pay off everything COMPLETELY and pay off all the people I owe money to (dad and sister) whom I borrowed money from since they were very kind to lend me money during my deepest and poorest moments in life.  Those things are my top priority in life at the moment.  I want to be done and over with paying for money I owe to other people.  After 2017 when I completely pay off everything, I will work hard on not charging my credit cards and on anything that I cannot pay cash for.  I will set new goals for myself in 2018.  I am kind of, very obsessed with financial counting and everything at the moment.  Everyone... well everyone online is talking about the whole Dave Ramsey thing with the snowball effect.  I have not had a chance to actually watch the Dave Ramsey show or whatever but I have watched successful stories on youtube that did amazingly great at paying off their debts through his snowball thing and also his 7 tips of whatever they need to currently keep up in life with.  I have not had a chance to actually thoroughly look through the things to see if it will help me in life, which I think I should be soon one of these days when I find time.

I spent 3 hours in total listing off all my credit card debts, all my school loans, all my monthly househould utility bills, all my spendings, and everything together to see how much money I am spending and using.  Like a lot of the successful people say, don't try to pay off everything at once.  Pay minimum of everything else and max out payments for one thing at a time.  I allowed leadway for emergencies and unplanned things to occur so that I will have enough money to still continue on this "wipe off the debt" snowball method.  If my calculations are right and I do not go off track, I can pay everything off by the end of this year which is AMAZING because I owe so much. Of course not the students loans.  I'm planning on reaching that $10,000 goal of emergency fund first and then I will start to plan out how I'm going to continue to pay off my loans.  Along the way, I am expecting to get a car, but not until all my stuff has been paid off.  I am excited for this new journey.  I can't believe I never had a plan before I got myself into all this trouble.  Overall, my entire debt is roughly $55,000 and under.  I haven't calculated it to the penny, but it sure is not worth trying to pay a lot for everything at once.  If I had done my research ahead of time, I would've been able to successfully pay off my debts and not be in debt to anyone.

With that said, I am working extra hard every single day to make as much extra income as I can to be able to save and pay off everything.  If things goes as plan and I continue to work every single day until the end of this year minus the fact that some holidays I will not be working, I should be able to pay off all those extra things and have a lump sum savings goal of $8.000 minimum by December 2017.  I won't punish myself too hard if I cannot get to 8g's, but it would be great and my life would be wonderful if I could. And my goal of 10g would be coming along perfectly well and by 2020 I would be able to completely wipe off my student loans. If things continue to work out, I will get decent raises from both work positions and continue to make more money as these months roll by too.  I am very very excited.  But of course we can't celebrate until I reach those goals.

Until then, let's all work hard.

XOXOMNT




















Monday, December 19, 2016

3rd week in!

Hello!

Christmas is right around the corner and so is New Years.  This is my third week going into my work place.  There is so much to learn and so much to know.  So far, I like it.  I like the people I will be working with and I like how everything is going smoothly so far. I know the position isn't the greatest but it pays well enough to cover my living expenses and such, so its hard for me to move onto another job just because this pays a little more than what I have been getting before.  I hope to stay here for a long time or a few years or so.  It's stressful to keep learning and moving to different places.  I hope that it goes well for me.

XOXOMNT

Saturday, December 10, 2016

1 Week In

I officially finished my one week of training/work yesterday (Friday).

It has been overwhelming as it is for any jobs that I have held.  Training is always the hardest.  I hope to understand things soon so that I can stop looking like a dumb person just watching.  I will most likely start my 2nd job on the weekends next weekend also.  I figured I need to make as much money as possible so that I can live comfortably.  I don't know.  It's been stressful.

XOXOMNT

Saturday, November 26, 2016

2 months?

I... think I might have b-cancer. I think. I have to wait a month to go in to check up. Sighs.  It's been about 2 months that I've kind of suspected something.  Nothing is confirmed though.

XOXOMNT

Sunday, November 13, 2016

I got hired!

Yay! *Pats on back*

I went through 3x interview, HR, hiring managers, and peer interview.  I thought I was not going to get it and half way gave up hope already. This process took a full month. I told myself I was only going to wait until next Friday as the last day and I will start applying for other jobs.  But thankfully HR called me back and offered me the position at the wage that I had wanted.  I told myself if they offer me lower, I would still accept the position anyways, but I had a specific wage that I had wanted. I remember talking to the HR person and she asked why I wanted that wage and I told her it is negotiable based on my experience and what they are looking to offer.  She told me in advance that it would be somewhere around what I had wanted. But now that I am offered that wage, I wish I had asked for a higher number.  My sister told me not to be greedy though.  She said that I should be grateful and appreciate it because I had called and prayed for that wage so now that I received what I had been wishing for, I need to be thankful and not be greedy.   She is right.  I am thankful.

I will officially start on the 29th of this month.  I am excited and scared.  I have about 2 weeks and 2 days to relax and enjoy life (finally after almost 3 months of worrying about being jobless).  This new journey, I will appreciate and enjoy every moment of it.  I hope on staying with this place for a long time since it is something I have been wanting to so and a place I have been wanting to work for.  I'm ready.  I hope to save enough money and be able to buy a house next year.  I am finally starting to feel like I can breathe and dream again now that I will be employed and bringing in income again instead of just living off my parents like the last 3 months.  I am ready to give back and help those who had helped me during hard times.

All in all, I am excited. Congratulations to myself.

And before I leave, I guess I should also mention that Trump won election.  It will be interesting.  To me, it didn't matter too much because both parties did not appeal to me. The next 4 years will be interesting regardless if Clinton or Trump had won.

XOXOMNT