OK here's the scoop. As of yesterday I still have a job. I heard through the rumor mill that more employees may be let go today. I gave one of my co-workers my cell phone number. I told her to call me if anything happens in our department today. I took a vacation day so I could you know, relax. That's how it started out anyway. I now have a list of chores and errands that must be done today, because I am working at the DSJ all weekend long. I have to pick up two W2 forms, finish Melissa's taxes, grocery shop, get my haircut, pick up a present and ice cream and soda for my nephew's first birthday party tonight at seven. Yet here I sit, at the computer in my pj's and bathrobe. I digress.
Did I ever mention the strain of raising children on one income? I'm sure many of you face these challenges also. I get no financial help from anyone. NO ONE. Which means that every time I get a little money socked away, you can guarantee there will be some emergency or something with the kids that HAS to be taken care of. Which means I have no savings. Not only do I not have any savings, now I could lose my job.
Providing I actually am lucky enough to keep my job, saving money will be my number one goal for this year. The fear of losing your job will light a fire under your a$$ like nothing else will. I should be prepared. I have always heard that you should have enough money saved to pay three months of your bills in the event of an emergency or illness, or GETTING LAID OFF FROM YOUR JOB!!!! I always felt this was important, but I have never gotten around to it. I have no one to blame but myself. When I was getting pretty large tax refunds, I should have saved that money. But no, it's gone. I have used it to pay off bills in the past, but never really saved any of it.
As God as my witless, I WILL begin saving money. Provided we don't end up living in a cardboard box under a bridge. Now that I have the DSJ, there is no reason for me NOT to start putting a little money away. Shame on me for not taking care of this sooner. I am expecting quite a decrease in my tax refund this year. Melissa turned seventeen last year, so I lose the thousand dollar tax credit for her. Also, I didn't pay in much tuition because I only took two college classes last year. I am losing money there. I also increased my income because of the second job. All of these factors will contribute to a substantial decrease in my refund. Barring any emergency, whatever money I get back, WILL BE PUT INTO SAVINGS.
As much fun as it is to sit here and make declarations, chores and errands call. I'll keep you posted.