Y2 D350

I have to stop agreeing to help people with things during the week. Once I start the new job this will become extremely essential as I will not have enough time to help out and then catch a morning train. I refuse to drive to this new job unless the world is ending (May 21st, right?) so I have to learn to say no. I helped with the movie last night and didn't get into bed until 12:30. I am very tired this morning. I am glad I have been able to help, but at what cost?

Yesterday overall was a good day. I spent some time yesterday doing a very major exercise. I put together this monster spreadsheet that shows al my debt, all my fixed costs, and my current payments. I then added formulas to figure out at my new salary level how long it will take me to pay everything off. While it's still overwhelming, I at least now see a light at the end of the tunnel. I am going to update it this weekend with actual interest rates and current total balances. I estimated the total balance and gave a flat 17% interest for everything just to get it put together. This is a huge step for me. It will give me a constant visual reminder of what I am trying to achieve. I will have to look at it all the time and before I go off and make stupid mistakes, I will have the sheet to remind me. Ironic how this is the attitude X2 always wanted me to have but it took her leaving me to achieve it.

The other good thing that happened yesterday is my bosses and I came to terms on everything. I will in fact get my normal paycheck Friday and one more on the 27th. Any money I owe them will be taken out of PTO first, pre-tax, and then I will work off the balance as a contractor after giving them $1000 in cash. It's a win-win for everyone. I should only need about 15-20 hours of side work to completely pay them off. Then I can still work for them part time to supplement my income. This will help with my payoff plans and give me some extra spending cash for savings and toys.

Overall, while tired, it was a good day with some excellent results.