2017 has been a very good year. I got a promotion and added hours to my work week, so I can foresee the Trump tax plan being rather interesting... since I can't keep my wages down too much through the HSA and 401(k) routes.
We've always lived check to check it seems, but of late, I'm seeing surplus cashflow that could take chunks out of mountain of credit card debt.
We've had debts since I blindly accepted Jennifer debts when we married. We didn't have jobs straight out of college. I have worked mostly part-time to avoid childcare costs. When I had full-time jobs we paid taxes on money we really didn't use.
When I was collecting unemployment, we seemed to get ahead, somehow.
My last time on unemployment, I made $210 weekly. When it ran out I got a job working 5 nights a week $240. I drove 22 miles each way, but we avoided child care costs. Then I got an extra hour a night and made an additional $48 a week. The job started to cut my hours, so I looked for something else to supplement, for we really needed to have me making $325 a week.
I got a job closer to home working roughly the same weekly hours/wages. Saved money on gas. Saved money when I qualified for their insurance. My weekly hours went from 25 to 35 while my promotion gave me a $5.23 hourly raise, thus doubling my income.
We could theoretically be credit card debt free in a year if we really wanted it.
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