New attitude, new thread

[ClingingToHope]

SFO,

XW already said there's a payment plan option. But that's the same as another monthly cost. I'd rather pull the money out and pay off my half all at once. XW can do a payment plan on her half.

I don't want to add any more monthly bills.

I borrowed from my 401(k) to pay off my attorneys (divorce and bankruptcy) and the Canada trip and have enough for the braces.

By doing that I lowered my bi-weekly paycheck $38, but I was paying $50 a check to the attorneys. So I'm $12 to the good every two weeks. Over the course of a year that's another $300.

I know in the grand scheme of things, it's bad to borrow from your 401(k). But at this point in my life I have to make sacrifices. I don't plan on retiring until I physically can't work anyway. What would I do with myself?

Met with new publisher for our paper. They don't believe our merit raises will be much this year. We haven't had one in three years. Instead, they are offering an incentive plan where if we meet profit goals in last six months, each employee will receive $500.

We've never done that. I think it's 50/50 that we'll reach the goal. I like the new guy though.

Complication with the masters program. I heard back from the guy I'll be working for -- potentially -- and he messaged that he'd like to figure out how I can get 25 hours in a week there.

25 HOURS????

Good lord, there are weeks I'll be lucky to get in five with all of the various commitments I have. I have to write a very careful response back saying there are times during the year where I'll be able to commit 10 to 15 hours a week to the college, but there are also weeks I'll be there just three to five.

The email caused a little anxiety.