When we started the long journey to saving up $1,000 we were already about $250 shy of reaching $1,000. I like to think that most people have a good sense of saving at least SOMETHING in their savings. Even though we only had $250 to go until we met the amount, we couldn’t just drop that much from our checking to our savings because of our budget.
We spend about $4000 a month on our debt, including our mortgage and we bring in about $4,200 (we found that out by doing our budget, we were very sad
to see how close we were to not being able to afford anything) There was only one thing I could think of doing in order to get ourselves out of debt, and that was to do Overtime.
If you are trying to get out of debt, overtime is your best friend. I’ve been working overtime an hour extra every weekday for the past few weeks and my check has increased a couple hundred dollars. The way my work does over time is I have to hit 40 hours of regular time and if I work over 40 hours that’s when my overtime pay kicks in. If I didn’t work extra hours my hours would be 37.5 hours a week. I get paid every two weeks and since doing overtime my time has gone from 75 hours every two weeks to 83 hours. If my one year old allows me, I am also able to work on the weekends, which I may start doing more of later this month since I am approaching the end to baby step 1.
If your job doesn’t offer overtime, you should try to do a side job on the weekends. If you have a family, I get that it can be hard and you're torn between spending time with your family or getting yourself out of the deep ditch that is debt. Working a couple hours on the weekend will be tough but any additional income is a good income. If a second job isn’t in the cards look around your house and sell! Take Marie Kondo's advice: if it doesn't spark joy, SELL IT!
We spend about $4000 a month on our debt, including our mortgage and we bring in about $4,200 (we found that out by doing our budget, we were very sad
 |
| https://pixabay.com/photos/coins-currency-investment-insurance-1523383/ |
If you are trying to get out of debt, overtime is your best friend. I’ve been working overtime an hour extra every weekday for the past few weeks and my check has increased a couple hundred dollars. The way my work does over time is I have to hit 40 hours of regular time and if I work over 40 hours that’s when my overtime pay kicks in. If I didn’t work extra hours my hours would be 37.5 hours a week. I get paid every two weeks and since doing overtime my time has gone from 75 hours every two weeks to 83 hours. If my one year old allows me, I am also able to work on the weekends, which I may start doing more of later this month since I am approaching the end to baby step 1.
If your job doesn’t offer overtime, you should try to do a side job on the weekends. If you have a family, I get that it can be hard and you're torn between spending time with your family or getting yourself out of the deep ditch that is debt. Working a couple hours on the weekend will be tough but any additional income is a good income. If a second job isn’t in the cards look around your house and sell! Take Marie Kondo's advice: if it doesn't spark joy, SELL IT!
If you want to catch up with how I'm doing on my journey follow my twitter! @DitchinDebt
**As of October 8th we have officially saved $1,000!
Well done for hitting your goal xx
ReplyDeleteShelly
Diaryofanotherfatgirl.co.uk
Thanks!
Delete