I could have gone for a full-time position, but I don't want to have the full-timer's obligations to work whenever called upon. I can say "no" to over-time or changes in my schedule, which I do when it comes to my family coming first.
I took the job with the intention of being part-time. I get double the hours I am guaranteed, so I'm working as much as a full-timer.
When I got promoted from handler to courier, my wages exploded. I have another raise coming in a couple weeks. I won't notice it. I've bumped my 401(k) contributions up to 35%. I'm not at the point of maxing out, but I'm higher than I ever anticipated a year ago.
Trying to keep our AGI under $63K and pay off all our credit card debt before accruing significant interest. I opened a new card with a 0% interest rate for 18 months with $0 transfer fee.
Can I pay off $15k in 18 months without accruing fees? Probably, but it's tempting to bump up the 401(k) contributions to the max and taking it out as a loan and paying back the loan ASAP.
Biggest reason to not take out such a loan is the burden of paying it back if you lose your job. I'm not fazed by the missing out on market advances given the up and down movement of the market and the interest I'm paying on the loan is means to contribute beyond max out, I think.
Tempting to try to pay off the mortgage the same way.
