I posted over the last few months about some of my money "issues." What I didn't post, that really contributed to a lot of the angst over finances was that my job at the zoo at the end of 2011 was a big contributor to that angst. At the zoo, I am limited to a maximum number of hours every year. These hours equal about 1870 hours for the whole year. Should I work 40 hours a week, 52 weeks a year, the total is 2080. So, my hours are about 90% of full time. I made it all the way until mid-October before checking in with HR to make sure I was still on track with my hours. I was CERTAIN I'd done a good job of keeping track and sticking with my hours.
Imagine my shock when in mid-October I learned that I was ALMOST OUT OF HOURS FOR THE YEAR! I was dismayed. How was I going to get through the rest of the year on so little money. In addition, one of my housemates informed me that she was moving out (which, honestly, is a whole other post to be written about the unethical way she handled this). Compounded with the medical bill looming over my head, I kind of went into shock. I did some serious budgeting and cutting of expenses and immediately began looking for another job. I wouldn't have had money for food in December had someone from my church not anonymously given me $200. Additionally, I had the huge blessing of the hospital forgiving the rest of my bill (almost $2500) from my ER visit in August.
So for the last three months, I have been working three jobs. In Dave Ramsey speak, I was "gazelling" it. This was especially the case because my second housemate told me in February that SHE was moving out. Boy was I glad for three jobs! And for a while, it seemed do-able.
I am still applying all of the Dave Ramsey principles. I am no longer using credit cards. I have paid one of them off and I am 1/3 of the way through another. If I keep up this payment schedule I could potentially be out of credit card debt as early as August. Then, I would move onto my student loans and be out of student loan debt in another 8 months after that.
And, I am so looking forward to being done with Sylvan. It's only 5 hours out of my week, but in those 5 hours I could go grocery shopping, or do laundry, or cook dinner, or honestly just chill out. I think those things are more than worth the $260 a month I'm losing by not working there any more.