Okay, so today is pay day. Unfortunately because I work for a professional hockey team (farm team to an NHL team) as my part-time job, they were away for the past two weeks, so I didn’t get any shifts. Just one pay cheque today, but that’s okay.
The sidebar is updated with new totals. I paid off my doctor’s bill of $200 for my surgery. Then I put $100 into my emergency fund – yahhh I’m over $500 now too NIUiceprincess! :) I put $125 in my condo down payment fund, and $50 into my RRSP contribution. Unfortunately, because I didn’t get a second pay cheque, and because I had that doctor’s bill, I’m now off track for my monthly debt repayment goal. I wanted to put $1,000 away every pay cheque, but I’ll have to settle for $700 this time. I’ll try to make up the extra $300 on the next cheque, but that might be pushing it a little too tight.
March Goals (mid-month review):
- Talk to potential client for my graphic design business, and get a contract signed. I have yet to touch base with the client, though I do know that she is finalizing her budget for the year. I should be hearing from her soon.
- Take on a 3rd job that will yield 10-15 hrs/month or less. I spoke with the supervisor of the organization I want to work for, and he told me to fill in an application and submit my resume, and he’ll get the ball rolling. There’s a 95% chance I’ll get hired, so I’m not really worried. But I still should get on submitting that resume.
- $2,000 towards my line of credit. Currently, I’ve put $700 towards the LOC. $1300 to go, and one pay cheque remaining this month.
- $1,000 towards my student loans. DONE!!! :)
- $150 towards RRSP. $100 contributed so far, so I’m right on track.
- $75 towards Condo Down Payment fund. I’m happy to report I’ve contributed $200 so far!
- $300 into my Emergency Fund. $200 so far, so I’m on track for this one.
I am not a University graduate. I have 2 1/2 yrs. completed towards a BA. I was on a full athletic scholarship, but I left after my 2nd year. I guess I was homesick and burnt out from training so intensely for so many years. Looking back, it wasn’t anything I couldn’t suck up for another 2 years … but back then, quitting and going home seemed like a matter of life or death. I was such an idiot!
And I can’t go back there and finish up my degree because I refuse to play elite level sports again. I still play 3 or 4 times a week, and I still go to the gym almost every day, but I don’t obsessively train for 5-6 hrs a day like I used to (in the summer it was 8 hrs/day!!!). I think that might kill me! Anyway, to go back without a scholarship, as an international student, it would cost me $36,000 for tuition and board alone.
Of course, it’s easy to reflect on how stupid I was, now that I’ve taken myself far away from that situation. And it’s not like I fully regret quitting, because I wouldn’t be where I am today if I had stayed … but I’m upset that I had a FULL SCHOLARSHIP (i.e. free money), and passed it up because I believed I was too tired to train, and too homesick to continue.
I have a college diploma hanging up on the wall behind me from a 2-year program I graduated from last year. At least that’s something. And it’s transferable, so I only have to take 2 more years to earn my B.A. in Communication Studies. That was the plan. I have an acceptance letter from Athabasca University’s distance education program sitting in a folder at home, and I had every intention of taking classes as soon as I gained full-time employment after college. So a year later, why haven’t I taken a single class?
The big barrier is money. Isn’t that always the case? :) Other priorities came up for me, namely paying off my student loans. And now, saving up for a down payment on a condo. It’s approximately $650 for each class through Athabasca, all distance-ed, so I could still continue to work full-time. I need 20 classes. $650 x 20 = $13,000.
I really really REALLY don’t want to take out student loans again if I don’t have to. So is it worth it? Is it worth $13,000 for a university degree? Is it really going to help me out in the job force?
The job I have now required a university degree and 3 years of experience – I have neither and got the job. So can experience outweigh education? Or was it just a fluke that I got hired here? In the future, are my resumes going to be tossed out as soon as they’re received because I don’t fit the educational mold they’re after?
If an employer is looking for someone with a degree, and all I have is a diploma and a bunch of experience, is that employer going to pick the person with the degree and little to no experience? Because if that’s the case, I don’t want to get screwed over, and I’ll go get that degree. But if it’s just a matter of digging a little more and applying to more places before an employer decides to considers me, then maybe it’s not worth it. What do you think?
Well, so much for the whole “saving on busfare” streak I was on. I was set to ride my scooter this morning, but I woke up and my jaw still hurt. A lot. I took some of my pain meds, and decided riding down the bumpy countryside roads today was not going to happen for me. And since I didn’t have any bus tickets, I had to fork over the full $2.75 each way! Grrr!!! Mental note to pick up some bus tickets today before I transfer buses downtown to get home.
Also, I ended up buying my lunch at work today. I know, I’ve been so good resisting temptation for the past 4 months (only went out for lunch once with a co-worker b/c we were running errands all around the peninsula that day). There is a cute farm-fresh bakery & deli called The Roost just down the road from where I work. Anyway, I spent $5.50 and bought a delicious bowl of soup and some bread. Way too much to spend on a meal like that, but what’s done is done.