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Decisions about BS4

This is probably not the right time to think about this, but I'm pondering whether to change my approach to retirement savings. This last year I started contributing to a 401K through the clinic I work at. When I did, I moved from fully funding my Roth IRA to putting 15% of clinic income into the 401K and 15% of business income into the Roth IRA. At times, this total combined was more than the Roth limit, but now that I have lower income, it is less. I like the concept of 15% across all income,

DCLissa17

DCLissa17

 

Fall updates -- work and budget

Well I kinda fell out of the habit of posting in the blog! Here's the latest:   Went on the cruise, it was great. Bought myself a gorgeous tanzanite/diamond ring for $350 (plus the gf paid another $150 towards it). This was not in the budget, but I cashflowed it from the awesome July income. I LOVE IT. I had no real or nice jewelry and I'm not really a big jewelry person, but I wear this ring every day and feel the splurge was worth it. Had a great time with my mom, we both really needed the b

DCLissa17

DCLissa17

 

July wrap-up

Well my forecast was fairly accurate! I ended July with $1780 net income from the business (after IRA). There was also $290 gross of business income that was paid out to people subbing in for me over last weekend. I ended up having to fly home to NE unexpectedly for 4 days for my grandpa's funeral. I am grateful that I could be there with my entire family, AND that I could find people to cover my clients, AND that the ticket was only $400! (usually plane tickets even in advance are $500-800, so

DCLissa17

DCLissa17

 

Business update for July

Ok, I have the finalized numbers for June's business income, PLUS some really exciting news about July!   I tallied the business income for June and even though I knew it would be good, I was STILL surprised by the total! $1830 for my net! 15% goes to the Roth IRA, but I still have $1500 extra as my snowball. I have several pared down budgets I can use, depending on my business income each month, but so far I have been able to just use my previous budget (based on 30hr/wk at the clinic -- side

DCLissa17

DCLissa17

 

Business - June wrap-up

Well June is almost at a close around here! The business did fantastic for the month, and all of my booked clients came through so that's always good for everyone.   We said goodbye to my catheter client last Saturday, which was bittersweet. It is always sad to lose someone, but because of my services, this dog and his owner were able to enjoy 5 more weeks of this beautiful summer together while he still felt great. If I hadn't been there, he would have likely had to put him to sleep 5 weeks p

DCLissa17

DCLissa17

 

Topping off some goals

Well I finally finished out putting money into savings for the month. I work off last month's income so this was pure laziness on my part. May I had fulltime income at the clinic plus some extra hours plus a HUGE month for the side business - $1048 my net. I ended up with a $1600 snowball - WOW!   I put an extra $1200 in the travel fund -- $600 to top off the cruise fund (added extra to accommodate for an increased plane ticket cost + excursions + a petsitter) And then $600 towards the costs o

DCLissa17

DCLissa17

 

Mid-June update

Well things are moving right along in this new self-employment journey! The uptick in business that happened in mid-May has continued. I still have my catheter client, though unfortunately we will probably be saying goodbye to him this week as his disease has progressed. And my new petsit w/ meds client has continued to book 2-4 day trips about twice a month. And the new client contact I made a couple months ago for a long trip has confirmed and that is officially on the books -- 2.5 weeks of on

DCLissa17

DCLissa17

 

Side business - May

Ok, I just finished my two graves this week. I'm totally wiped! Just 2 more to go next week and I am officially DONE with graveyard, 13hr shifts! I have one last FT week the first week of June, but it's a random shift, a training for my new dept shift, my new dept shift, and scheduling. So a transitional week that makes my last FT shift be a June date so that my insurance goes through the end of June.   I have always had a mild steady, but somewhat sporadic lineup of clients in the side busine

DCLissa17

DCLissa17

 

Moving along - May, week 2

Well May certainly IS moving right along! I confess I haven't been doing a huge amount this week towards prepping to go PT. Last Wed-Fri at work kicked my butt, then I had traded a shift for someone so I worked Monday night. So only had one real day off, then worked, then got 2 hours of sleep Tue before being up all day, then yesterday off (went in for an hour for some urgent scheduling stuff), now tonight its back to work!   And another person at work just quit. So life will continue being ri

DCLissa17

DCLissa17

 

Moving on along.....

Well this week I worked 3 shifts (a full 40 hours) at my regular job! It was a horribly busy, depressing week with our caseload. Wed I think I came down with food poisoning in the middle of my shift and I tried to power through as we were shorthanded AND had a ventilator case, but I ended up leaving a couple hours early. Felt a lot better by Thur, called an extra 2 people in to handle the vent case as we were still REALLY busy everywhere else. Last night it was more manageable so I cared for the

DCLissa17

DCLissa17

 

On the way to REAL part-time!

Well, I'm officially doing it. I am moving to REAL part-time as of the first week of June. I've talked to the owner, the hospital administrator, and the brand new practice manager. I've spoken with my team on the floor. I'm currently figuring out an lining up coverage for the interim +/- long-term and have spoken to the recruiter about hiring for my position if it isn't filled internally.   I will still be working at the hospital. I will be continuing to do the employee schedule (4-10hr/wk) +

DCLissa17

DCLissa17

 

Gardening and mental defeat

Guys, I am so. tired. So sosososo tired of the constant highs and lows of scheduling. 2 weeks ago I had managed to pull off a schedule maneuver that enabled us to lure in an AMAZING candidate for our open overnight assistant position (the opening that is keeping me from being able to move to my new schedule). She really wanted to work with us, she does relief work and is amazing, a perfect fit. So I managed to make it happen and everyone! was! happy! SO EXCITING!   I had her all set to start t

DCLissa17

DCLissa17

 

Part-time life

Well it's halfway through April now so I figured it would be good to write down an update.   -I went to "officially" working 30hr/wk (scheduled 20hrs + 10hr admin) as of the beginning of April. I don't have a regular schedule quite yet, so I've just been kinda floating and filling in open shifts wherever. BUT! We have hired a new overnight assistant and she will be starting as of May 12th. So as of then, I will be on my new regular schedule of 6p-4a on Sunday & Fridays until we hire the ot

DCLissa17

DCLissa17

 

Musings and whatnot

Last week I worked my *last* regularly scheduled graveyard workweek. It's seriously unreal to me. Partly because it means my life is back in flux until we hire a new graveyard assistant to replace one leaving in 2 weeks. Partly because I don't think it really ever sunk in that I was giving up a position that I was hired into 4 years ago and have worked hard to be in ever since. This whole thing (that was orchestrated by ME) somehow still snuck up on me!   I have 6 days off and then I start a w

DCLissa17

DCLissa17

 

Work and Life

Well time keeps on trucking along around here.... this will be a random update.   -Looks like I will be going to some sort of new schedule starting in April, so in 3 weeks. Depending on when a current overnight person leaves (may be as soon as 2nd week of April or later in April) and when we manage to hire for her position (anytime from 10 days to 6 months from now) I will either be moving to a really cruddy schedule (Sat AND Sun overnights --- grrrr) or my eventual long-term schedule (Sun &am

DCLissa17

DCLissa17

 

Beans update and assorted other stuff

Well today Beans is getting her skin graft! She still has an external fixator on her hock, I think that will be staying in for another 3-4 weeks but she won't have a big open wound anymore! This is huge and also the next big risky area. I'm off the next 4 days but hopefully I'll catch her next week sometime when she comes in for a bandage change. I've seen her twice in passing since she went home originally on Christmas Eve, she is SUCH a sweetie!     On Monday I got bit by a gerbil at work.

DCLissa17

DCLissa17

 

Update on Beans

An update on Beans:   On Monday Beans had surgery to stabilize her hock (ankle) joint on the leg with the terrible wounds. She now has an external fixator (erector-set cage contraption) on that leg with a huge bandage on it.   On Tuesday night (Christmas Eve) Beans got to go home!! I made her a Christmas tree for her "stocking" bandage and printed out a Christmas card with our snuggle picture that I had everyone there that night sign.   She will be back tomorrow for another bandage change

DCLissa17

DCLissa17

 

A Christmas miracle--- a special patient

This is me and Beans, one of my patients. Beans is an incredibly sweet dog who was hit by a car last week. She dislocated her right hip and has a terrible degloving wound from her hock to her toes on the left hind leg (lots of skin missing essentially plus damage to the hock joint). She also had some chest trauma. When she first came in she was super painful and unstable. She couldn't use either hind leg and due to the injury types, her recovery looked to be full of surgeries on both legs, exten

DCLissa17

DCLissa17

 

Post-Thanksgiving dinner

Well remember how excited I was for those 2 basically-free turkeys? And I was going to cook one along with a couple sides to take in to work on Thanksgiving night for the enjoyment of myself and coworkers who were working the holiday?   I didn't. Because when I went to work on Wednesday night I noted that there were 2 of those "holiday dinner in a box" + pre-cooked/shrink-wrapped turkeys in the fridge. Ok, yay employers! They apparently had planned to provide a holiday dinner for the day crew

DCLissa17

DCLissa17

 

Holiday grocery shopping

So I just had a really good shopping day and I wanted to write it down somewhere! I used to do a lot of heavy couponing every week and got away from that this year. First I was eating out of the pantry to reduce the stockpile in anticipation of moving, then moving, then feeling blue, etc etc. This week wasn't a big couponing week, but some good deals out there!   All in all, I paid: $57.52 - which looks big (for me), but just LOOK at what I got!   Pet products 16# bag Friskies cat food -

DCLissa17

DCLissa17

 

Just feeling happy

Nothing special going on here, just keeping on. It's the weekend and I'm eating dinner (worked overnight last night so yes, dinner at 11am) - pork chops, spicy/sweet barley, sauteed carrots, and a bottle of pinot grigio. Catching up on LLNOE, downloading this week's grocery shop pics (crazy couponer = me), and watching Grey's Anatomy. Just paid all the bills for February a couple days ago, have my $500 cushion in the checking (it keeps me sane), threw a $1200 extra snowball at the mortgage princ

DCLissa17

DCLissa17

 

Step 6: Mortgage Payoff - February 2013

Made my February extra principle payment - managed to pay $1200 extra! My goal each month is $1000 so very happy to be able to put even more down. This was the last month of my budget that had incorporated extra income (above my base pay), into the zero-based budget. So from here on out, everything above my base pay (barring LARGE Murphys), will go to extra mortgage principle. I have already gotten and scheduled a number of "snowflakes" for February, so should have no trouble meeting my $1,000 g

DCLissa17

DCLissa17

 

February 2013 Snowflakes

Well January is all done, on to February. The shortest month but I don't think I'll have a problem with snowflakes considering all the open shifts at work! Once again, my goal is $1000 extra to the mortgage principle this month. $400 is incorporated in my "normal" budget, which leaves a goal of $600/mo in snowflakes. We're off to a good start!   February Snowflakes - goal $600 - $80 of overtime from extra shift picked up 1/30 that caused overtime on the 2/1 shift later in the payweek (it's co

DCLissa17

DCLissa17

 

2013 Tax Return

Well I had to sit down and file my business excise taxes for my side business so I went ahead and pulled together all the info for my income taxes. This is the 2nd year I've used the cheapest (not free) version of Turbotax and it just makes it soo easy. Mine can be sorta complicated because I have regular income, income from my LLC business, and my house-which-is-a-rental. $32.84 from Turbotax!   This year I will get a $557 refund - $32.84 = $524 net! Supposedly it will show up sometime in Mar

DCLissa17

DCLissa17

 

January snowflakes

Ok, so I've reworked the budget to be truly living off of last month's income. Meaning that everything I earn in January will be used as the income for the February budget. At the beginning of February, I will pay all the bills and move money into the sinking fund savings accounts and I have amounts allotted in my virtual "envelopes" to track for stuff like groceries/entertainment/etc. The budget is a zero-based budget using my base FT pay. I will use my snowflakes from January to add onto Febr

DCLissa17

DCLissa17

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