Something New is on the Horizon

A few weeks ago I applied for a different position within my company.  Today I was pleased to find a request for an interview for said job next week 🙂  It will be a phone interview since the office is a little over 2 hours away from me, but I am hopeful it will go well.  I have been in my current position for over 7 years, so I am excited to shake things up a bit.  It comes with a pay raise too, which would help us so much in our goal to pay off our debts (student loans, car payment).

Speaking of which, I have been toying with the idea of emptying our savings in order to pay off the car we just bought.  On one hand, it would free us up from the monthly payment and inevitable interest, but on the other hand, we would have NO safety net if something catastrophic happened, like a job loss or medical emergency.  I’m not sure what the best step is, but I think I may wait until after the holidays are over to do anything drastic involving our savings.

Also, before we put our house on the market, our realtor has advised us to think about replacing our roof.  I’m not sure if our home owner’s insurance would cover any of that, but a new roof would be a large selling point for buyers.  That, combined with replacing the flooring downstairs, will be a great deal of money for us to spend.  The flooring company is giving us a deal (18 months no interest) so we would at least have some flexibility with that expense.

At this point I am just ready to move.  Our mortgage payment is too high, we are having to spend more money just to get the house ready to sell, and we still have the student loans and car payment to worry about.  I feel like once we have a smaller house and a lower mortgage, we can finally make a real dent in the student loans.

I’m trying to be patient.  Every month we get better at budgeting, but when you have all of these huge expenses there is not a lot left over for error.  Any unexpected expense (my husband’s dress shoes now have a hole in the sole, for example) can cause us to go over budget.  Am I a monster if I ask him to deal with it?  Where do you draw the line?

Ultimately I know I am always going to be the saver in our relationship.  He is the spender.  I understand that, I accept that.  But it gets to me sometimes.  We both work full time jobs and contribute to our shared finances.  We just need to come together instead of working against each other.  Once we both are on board I think we will be unstoppable.  We are both very determined people.  I am just a little more determined to pay things off than he is right now.

Hopefully I will get the position, get a boost in our income, and that can jump start him to get on board with getting out of debt.  Until next time…cheers 😉

 

 

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