Welcome back to My Early Retirement Journey. In case you’re just joining us, here’s a little bit about me. I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I enjoy watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take. I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community. In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement. Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!
Monday – True to form, I want to quit my job this fine Monday morning. I feel like I’m not resting enough over the weekend. I spent most of it on social media, creating a pop-up form, and then more social media. Don’t think I even watched 2 hours of TV in a row. Where did my weekend go?! I don’t even necessarily want to quit; I just want a break!
Tuesday – OMG! The gnats just won’t leave me! Fried some fish and fries last night in spite of them. I was frozen with indecision because I couldn’t stop being annoyed with the gnats. But I really didn’t feel like going back out to get food after coming home from work. So I had some fish and fries and probably inhaled 1 or 2 gnats. Gross.
Wednesday – Got drunken noodles for lunch. Now feeling very full. Decided to get a big lunch because not going to be home till after 9p because of Tai Chi. I called an old friend today! Yay me! I haven’t really hung out with anyone in 3 years, except that one time in March of this year. It’s funny, I think all these great things are happening in people’s lives and then they’re not. So my friend Cathryn was fired, but not in the financial independence way. She is upbeat about it but I’ve known her to be this way before when unsettling things happen.
It puts things a bit in perspective I suppose. I hate how we ultimately benefit from other people’s misfortune by calling it gratitude or perspective. I want to be grateful for the things in my life not because someone else is worse off but because I am truly appreciative of them. Being a human is hard work and requires so much fine tuning and regular calibrating.
Thursday – The state fair was supposed to start today. I had made plans to go with a friend, making it my second social excursion of the year. But because of the storm (read: Hurricane Michael), another one I was completely unaware of, the state fair opening has been pushed back a day. Got my hurricane preparedness kit: a paperback book, an e book, an audiobook, and some snacks (corn puffs and chocolates). I’m ready for you, weather! Only one more week of Tai Chi left! One of the other students asked if I would take the next class. That’s a decided no. I want something that’s more follow the leader…as in stretch 2,3,4,5. Not in the right frame of mind to learn choreography. Overall the class has helped me to at least move my body 1 hour a week.
Friday – Yay! Second day in a row I didn’t wake up to gnats crawling on my face or buzzing in my ear. No power last night because of storm. Laid in the dark until about 1a when power returned. Good job me on my storm kit: snacks and e-book. Fully utilized. Next time I might get candles or a portable lantern. Thought more about buying a house since I can’t seem to find a way out of my current station in life. The way things are looking, I’ll probably be here for the next 7 years. Oh well. Tired of trying to claw my way out.
This morning thought more about pursuing a retail or hospital job, not for pay or training, both nice, but primarily for the 7 days on/ 7 days off schedule. That at least will give me more down time (pro).
I did a quick analysis. In Oct: with regular M-F work week, I work 23 days total and 7 days off. With a 7 on/ 7 off schedule, I would work 14 days with 17 days off. In Nov, with a regular M-F work week, I would work 22 days with 8 days off. With a 7 on/ 7 off schedule, I would work 16 days and have 14 days off. With this new schedule as my objective, I feel a bit more motivated to apply for opportunities that might lead to this. So far applied for 1 full time job with this schedule and 1 part time retail job to gain experience.
|Work||14 days||16 days|
|OFF||17 days||14 days|
|Work||23 days||22 days|
|OFF||8 days||8 days|
Pros (7on/7off): more days off in any given month, use training, probably more pay
Cons (7on/7off): longer work day, new colleagues, could kill someone
I KNOW the shine will wear off after one or two years, but I at least know now to schedule longer breaks periodically throughout the year. What do you think?
TV this week: The Resident, House Hunters
Takeout this week: $10
How was your week? What did you do? See? Feel? Think? Decide? How’s your life journey in general?