I Got 99 Problems and This Job Ain't One: The End of My Side Hustle


Welcome back to My Early Retirement Journey. As you may know, my side hustle ended the first week of May 2018. Hooray! I started the side hustle because in my initial states of early retirement research, the prevailing thought was either earn more or spend less. I had few expenses I could easily cut as very early on in My Journey, I valuated each expense with the amount of soul sucking it would require and the decision not to spend was often an easy one to make. So I decided to earn more. A job I had applied for 2 years ago called me, and like a human, I thought it was kismet. It wasn't.

During the four months (Spring Semester 2018) of my side hustle, I was in a few too many near miss car crashes. Either because I was rushing to and fro; trying to avoid peak commuting hours; sweating through that poorly designed exit ramp by the college; or swerving around young drivers in the college parking lot. I filled up my gas tank more often than once every 2.5 weeks;  I would say I was at once every 10 days. I even got vertigo twice and was miserable for a sum total of 7 days because of vertigo symptoms.

I worked 50 hour weeks and was only getting paid for 43. I worked weekends and during my lunch breaks grading and planning. I had to provide more customer service after leaving my day job working in customer service. I had to respond to stupid emails from whiny students. I had to do administrative things - printing, copying, creating a classroom resource site, filling out forms. I had to complete a 3 hour training for which I was not compensated. Did I mention grading? Good. It bears mentioning again. The amount of menial tasks was life-sucking. I underestimated it even though I had taught before a decade or so ago. Class was Tuesdays and Thursdays from 5:45 pm to 7:25 pm. I usually got home around 8p or later. Even though I was tired from a long day, it took me a little longer to fall asleep because my mind would still be racing from a night of molding young minds. Ha. It was harder to shut my brain off at night because even though I hated it, I was still looking for ways to be better. Even on days when I didn't have the class, I had to work late to make up time I lost from leaving my day job early to get to class. I really don't know what kept me from quitting. I really hated the first 2 months.
My Early Retirement Journey - side hustle

But education keeps seducing me, so I persisted. Stupid, stupid woman. There is some pull teaching has on me. I am a failed public school teacher with a $300,000 student loan debt to prove it.  Teaching middle school in my twenties was one of the worst experiences of my life, and I've lived through an actual civil war. Obviously I'm being hyperbolic. It was a pretty terrible 1st world experience, but war, really?  I digress. Something about progress and improvement and self-reliance really gets me excited. So far my interest in it hasn't proven to relay well to the classroom. Before giving up the ghost, I tried classroom teaching, subbing, tutoring, academic summer camps, college prep tutoring and I never found my niche. So in 2011, at age 27, I changed fields altogether, and now I work in healthcare. Still, I keep coming back to education. I applied for the job that started this whole train wreck, didn't I?  Despite the constant #fail, there's some aspect of teaching and education that interests me and I haven't quite teased it out yet.  Perhaps, I need to dig deeper and really figure out what about this field attracts me. Is it just the joy I used to experience as a learner? If so, how can I capture that essence again without owing the US Department of Education any of my unborn children or unharvested organs? More importantly, at this point does it really matter?

The Haul:

  • I think I made about $1,600 after taxes for the 4 month course.

  • I saved on entertainment because I was too tired to watch much TV. I ended up cancelling cable February 1, 2018 because of this.

  • It motivated me to start this blog. I don't remember how exactly but I wrote it down as a pro when I started this list 3 months ago. I remember feeling really compelled to start blogging in the midst of the side hustle struggle - maybe to air my grievances or maybe as another attempt at a side hustle that wasn't so soul-sucking.

  • I realized what I likely won't do whenever I retire, early or otherwise. In my dreamer's mind, I had pictured going back to education as a side hustle/hobby. One of my favorite college professors who retired still does tutoring at the college where he taught for x years. I thought that sounded like a nice way to pass the time.


Overall, the side hustle had a negative impact on my quality of life.  But would I do it again? If I had to, yes. If I were offered both the night section and the online section, that might make it more worthwhile. As for now, the answer isn't as resounding of a no as it was during the first two months. As with most things, I adjusted. But I wouldn't want to do it again, if that makes sense.

BONUS!
I pushed this post back so much, by the time it was scheduled to publish I had the student evaluations.  I even included the negative ones for your voyeuristic browsing pleasure. No shame in this side hustle game 😉.









My Early Retirement Journey - side hustle
Just a snippet from a 3 page eval.










My Early retirement Journey - student evaluations
Only took out my name.

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Review | 3 Free Excel Spreadsheets That Deserve Another Look

Since my earlier post on 3 free spreadsheets was such a hit, I thought I'd share my latest findings. In my quest for the perfect spreadsheet, I stumbled upon a few more spreadsheets and templates that might serve a purpose for some of you out there. By stumbled upon, I mean I clicked every available Office budgeting template looking for the perfect one to document the financial aspects of  My Early Retirement Journey. I think my goal is to use what I like from each sheet to create my ideal spreadsheet.  My hope is to have a master spreadsheet by March 2019 (my 1 year blog-aversary) to provide readers.

These are all free Microsoft Excel templates and spreadsheets that can be used as is or modified just a bit to fit your individual situation.

Template 1 (Monthly budget)









My Early Retirement Journey - free office templates for budgeting
Click (all) to enlarge

What I liked about this one is that it tracks income and spending for the calendar year with attractive visuals for income, expenses, and cash flow.  It tracks cash flow over the 12 months with a line graph, and each category gets a mini line graph on the side. This is one of my favorites by far!
My Early Retirement Journey - free office templates for budgeting

Template 2 (Monthly expenses calendar)
My Early Retirement Journey - free office templates for budgeting

I love this one! This is a great way to track your monthly expenses. I find you can update it daily or weekly or monthly as you see fit.  It auto-calculates your expenses for the day, the week or the month, and keeps a running tally. For those that like to track  no-spend days, if you pull out an old statement and update the calendar, you can get a quick overview of days or weeks that are more spendy than others. I recommend this for those that want to track their daily spending and identify trends.

Template 3 (Household budget)
My Early Retirement Journey - free office templates for budgeting

I love, love, love this one! It has so much to offer. It's great for those trying to stay on budget in just a few categories. It provides a column to set your target and then to track your progress for the whole calendar year! That's my favorite feature and there's a line graph for quick reference.  Other visuals include under/over conditional formatting in green or red to give you a quick monthly reminder how well you're doing each month staying on target. There are also bar graphs at the bottom and a place to track your savings.  Here too you can set a target you're trying to reach for the year. The savings tracker is especially useful because it gives you a mini barometer that presents a visual of your progress. This spreadsheet has a lot to offer, especially for those who benefit from setting goals, seeing numbers, visual representation, and progress bars. It's so hard to choose!

Template 4 (Weekly life calendar)
My Early Retirement Journey - free office templates for budgeting

This is a Word Template. Simple, yet effective. I actually used this recently on my blog. I modified it to take notes on my life for my weekly updates. It's a great resource to get a quick glimpse of a few aspects of your daily life. I used it to track finances and notes on my health, work, and activities of daily living. It's editable, so you can modify the categories to suit your lifestyle.

Bonus! (Simple budgeting)
My Early Retirement Journey - free office templates for budgeting

This one is quick and simple. For those just starting out with budgeting this is a great place to start.  Or if you want a quick check-in on your income and expense. I would recommend this template for first time budgets or those that do periodic checks. I included it because of the icons. Can you tell I like visuals?  Overall the template is simple and basic and doesn't overwhelm you with details. I used this too recently with my Aunty MERJ's finances.

Share your favorite resources and tools on your personal finance journey! 

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Notes on Life | Jul 27, 2018: Doctors Without Borders, Repo Man, Hotel Holiday


Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I love watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!

Monday – Forgot to eat my lunch today. Don’t know if it’s because I’m so pre-occupied or a bit absent-minded. I think grapes give me gas. Is that a thing? Fructose maybe? Had the best creative high over the weekend. I made a comic and I couldn’t stop looking at it. It’s so beautiful!! How sad it must be for professional artists to create something and not experience overnight fame. This must be what it’s like for new parents, they think the human person they made is the best thing ever. All told, it took me about 8 hours to make 6 storyboards but it was well worth it. The high lasted much of Sunday as well.

Another aunt hit me up for a $3k loan. Both flattered that she’d think I was that flush with cash, and quietly unnerved. Hmm. This is actually the second request. I don’t recall how I got out of the ask the last time, but I will try to be casual about it. Is it awful to not want to give people money (if I had some laying about) because you don’t like the way they spend it?




Hmm..I’ve been blaming work for all my aches and pains. Maybe it’s my mattress?

Spent the evening thinking of starting a friend letter writing campaign. I’ve been without a regular cell phone for about a year now and I don’t miss it. I wanted more intentional communication. Even email these days is starting to move into the category of long-form text. In an attempt to reach out to old friends, I might start writing actual letters that need to be sent postal mail. I think the idea is good. A good way to ease back into keeping touch without too much “forever” commitment. Hmm, but do I want my old friends back in my life anyway? Or was I just high on tacos?

Tuesday- So I started an application for Doctors without Borders last night. Don’t be too impressed. I’ve been rejected by Peace Corps (Response) and other volunteer organizations. I just need to jump start my life. There’s got to be more to person-hood than parenthood and spouse-hood. I would at least like to be around more like-minded people. North Carolina is a great place to be in your 20s, a parent, or a home-owner. Argh, you see my dilemma. Perhaps the workplace isn’t the best place to encounter stirring drama and new views on the world, but still…

Was feeling good about the application, even day dreamed a little, until I got to the three page self-assessment of skills. Mine was almost entirely blank. It turns out having a corporate job where I sit on my butt all day will not translate well into field work in under-served countries. Womp, womp. Hmm. No surprises there.

More problems with Aunty MERJ. Same ole, same ole. I advised of something in the past that would have avoided problems in the present. She didn’t listen. Now it’s a problem and I have been named the fixer. I’ve detached a bit. Prob the reason I’m thinking more of moving to far away lands. Can’t wait to go home and eat tacos. For some reason re-fried beans are the most delish thing ever. How did I ever forget about these!

Wednesday – Woke up in searing back pain. Felt like I slept on hot coals. Promptly moved bed to floor with vigor when returned home from work. Disassembled part of bed frame that included curved wooden slats. Thinking of spending night in a hotel for some rest.





Have stand-up desk at work now. Now I have pain in shoulders, back, and legs from standing. Can the single girl get a break!  More thoughts of leaving to include: Peace Corps Response, Doctors Without Borders,  just plain running away, a hotel staycation down the road...

Thursday- Woke up a mess. Slept with mattress on floor. Aunty MERJ’s car was repossessed. And BOA locked me out of her account. Ugh, it’s like the beginning all over again. This is a mess! I’m so out of it. I feel like a zombie.  Too many annoying customer service encounters to list.

Friday - My life feels like it's slowly imploding. Same with my family...slowly imploding. Still at work and did a few laps during my lunch break. It's just minor insignificant things that make me crazy. I think if I had more going on in my life these little things would not affect me so much and for so long. I know I don't want to work anymore, but I'm just not sure what to do next. I mentally toy with taking a long break in 2020 or just waiting 10 years and FIRE'ing for good. This is one of the days when having that shorter term goal would be motivating. I'm in pain, physically and mentally. I'm a zombie.


Aunty MERJ weighs on my mind. She wants me to call her everyday and check up on her, but it seems like every time I call her I'm presented with a new problem to fix. I'm not Olivia Pope (from Scandal). I'm not a fixer! Managing anyone's finances which are different from your own both in approach and objective has just added an extra stressor that I just don't want. But then I look at my outfit today, all items purchased by Aunty MERJ for me (granted some with my own money) but still.


I go to bed most nights praying for a new life; the other nights I just lay there awake. It's a good thing I still buy tickets for the office pool because these are the times when I'd blow a bunch of money on some lottery tickets hoping for a miracle.  I don't know what I'd do with all that money in actuality but it would cut out my "biggest" sore - my job. My job really isn't that bad. It's just kinda mindless and sometimes customers are not nice.  I don't understand how people do this life thing everyday and then bring new people into all the misery. The world astounds me.


More thoughts of escaping. Thought about just booking a hotel nearby for the weekend to sleep in a comfier bed and turn off the world. But I mean really, what good would that do? If it didn't help, I'd just be thinking about all the money I blew. Then I was thinking I'd have to go the bank on Saturday to try to unblock my access at stupid Bank of America, so that stopped me. But then last night I had a clear moment where I was like, I'm tired of dealing with this. I'm not in the mood to be frustrated by customer service agents three days in a row.  So I'm saving the Bank of America headache for another day.


Here's what my hotel escape itinerary did look like:

Friday - leave work; get takeout from yummy Thai place; watch copius amounts of TV; get a good night's rest

Sat - more takeout + tv + rest

Sun - ugh... go home.




Gee how is there an ugh even in a daydream. Oh well. The work day is over. Time to go home. Praise the Lord!

TV this week: Cybil, Big Brother, Free Rein, Life Sentence
Takeout this week: KFC?,  Salmon and rice from the Korean place

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Using Scenes From My Childhood To Figure Out Where To Live Next

I have made quite a few lists over the past five years or so of what I wanted out of life and where I wanted to live. Often inspired by a pithy movie quote or reality TV confessional, even the occasional TedTalk or sermon, my quest for self-improvement is long-standing. With this blog though, I'm getting better at compiling all my thoughts in a centralized place so where better to document this part of my journey.

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I even found this list I made in May 2013.

A place to live [requirements]
I can afford
Is nice
Near a college-town
Not racist
New ideas, dynamic
Good take out 

I'm looking for a new place to live for several reasons. First, my biggest hope is to find a community to which I can belong. Secondly, I'd like to find something more FIRE-budget friendly. Thirdly, I've fallen in love with the idea of a fresh start. I want a new beginning. Lastly, just today, I received a lease renewal notice from my apartment building and the rent is going up by $44/mon. Hrmph. That all being said, I'm not quite ready to move. Not yet, not without knowing exactly where to go. I'm giving myself two years to find my next best place. In pursuit of that place, I used memorable scenes from my childhood to create criteria to quantify just what I was seeking. Here's what I've come up with so far...

Scoring:
0 - Hard no
1 - Doable
3 - Satisfactory/ Neutral/ Yes
5- Desirable
Calibration 1: Palo Alto (Desirable)Calibration 2: Washington DC (Neutral)Calibration 3: Decatur, IL (Not Desirable)Calibration 4:
RTP, NC (Current)
*score to beat
Manageable Weather
FIVE OR LESS months with avg hi > 70*F: (0 = NO; 5 = YES)
0550
Mild Summer
NO MORE THAN ONE month with hi > 80*F: (0 = NO; 5 = YES)
5000
Mild Winter
THREE OR LESS months with avg low </= 32*F: (0 = NO; 5 = YES)
5505
Culture/Diversity3513
Backyard Without Buildings3000
Seasonal Activities I can Walk To3000
1 to 3 hour drive to major airport5515
Walking distance to Nature3100
Campus Town5111

Church1511
Affordable Rent ($500/mon)0110
Potential for nice solo apartment at current budget ($910/mon)0055
Potential for desirable housing options (new, nice, modern or country/renovated chic)5515
Potential for fresh start (0 = bad/negative history; 5 = fresh hope)1110
Slower pace ( 0 = no; 5 = bucolic)0033
Desire to live there pre-FIRE5310
Desire to live there post-FIRE5000

Total (highest = desirable)49372128



A run-on sentence explaining just how this chart came to be.
It started with lots of different scratch notes over the last 2 years trying to figure out where to go next; this list is still just a start; I did similar sheets when applying to graduate school twice; but in finding my next place, I had an idea of how I wanted to feel, but I couldn't find a way to measure that or properly identify it; Frugalwoods mentioned using a spreadsheet to find their forever home and it taking years, that let me know it I was on the right track; a couple weeks ago I stumbled on a travel blogger who used a number system but what inspired me was how they accounted for how they would feel or how it would affect the other person...in a way, my partner is future and past me...

... so then I started writing down some of my memories and turned that into quantifiable data i.e... I loved being able to walk to celebrations in my small town, didn't have to get in a car or worry about parking; I liked watching softball games from my front porch... that turned into no buildings in my backyard... well that's just really any yard...but you get the idea... and I couldn't find a way to quantify, how sometimes you just want to try somewhere new...like I have no desire to go to deep south Mississippi even if it ticked all the boxes; I know in an unspoken way that's not the life for me, or maybe it's just too many reasons to list...

...but sometimes it's not so clear... so I added two more lines about 'desire' to account for unexplained feelings or the psychological impact of a place; there were about 9 other things that I spit-balled that didn't end up making the cut right now...some because they cancelled each other out...like not a red state or more liberal; weather got three lines because I couldn't find a way to capture all I want out of weather in one line item; that actually took me 30 minutes to an hour to calibrate the criteria to get the result I wanted... and looking up the actual data; for example North Carolina was designated too hot, and Decatur, IL was designated too cold, I remember California being pretty hot, but I don't remember it being as miserable; but when I looked at avg hi vs avg lo... the differences weren't notable, so I actually ended up comparing 7 aspects of weather before I could find a noticeable difference that could be quantified and compared.

As for the cities chosen, these are places I have lived in the past that had identifiable characteristics. There's no real accounting for the fact that I was in different stages of my life in each city, so what may or may not have worked then may or may not work now.  Still, there are consistent themes that have persisted over my 30 years of life such as my feelings on weather, tribe potential/ diversity/community, commuting (for work or recreation), and in one way or another potential for adventure (captured as access to nature or community events or airports).

Moving forward.
I know from this chart wherever I decide to go has to be at least as good as where I am now. If I'm honest, where I live now meets 80% of my needs. It's close to work and for the most part I'm left alone. I just think if I'm not getting any fulfillment from work it would be beneficial to enjoy my life outside of work more.  Life and I are too beautiful to be wasted going from one cube (work) to another cube (home) without enjoying the space between (cue Dave Matthews Band). If that place is here, my mind is closed to it because of all the undesirable things that have happened. Sometimes a new beginning provides enough momentum to get things going again (sometimes not). I know also from the chart, whatever score the next place gets has to be not just as good as my current place, but more than my neutral place and closer to my desirable place. After all these years, this is a good start. I'm happy with it.   How did you find your current home?

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    My Early Retirement Journey Interviewed on Chief Mom Officer

    This week My Early Retirement Journey will be interviewed on Chief Mom Officer. Check out the post here.

    Quick Facts About Chief Mom Officer (courtesy of her recent feature on Business Insider):



    My Early Retirement Journey on Chief Mom Officer




    Wednesday Weekly: July 25, 2018


    Most popular post on My Early Retirement Journey this week: Sunday Funnies | The Life Cycle of a Corporate Drone

    Wednesday Weekly is a round up of what I stumbled upon this week on the world wide web because sharing resources and information is what the internet is all about.

    WHAT I STUMBLED UPON THIS WEEK

    Hey Boss, You Don’t Want Your Employees to Meditate (The New York Times)

    Looking for a cheap flight? The secret to getting airfare deals is all in the timing (MarketWatch)

    WOMEN ON THE WEB

    Money in Your 20s vs. Your 30s (The Cooper Review)

    Money Mentoring Question: What is your “Ideal Day”? (Montana Money Adventures)

    THIS BLOGGING BUSINESS

    How to create a 'search description' for your Blogger post (Making a Mark)


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    My Early Retirement Journey - how to be single in your 30s and retire early in your 30s

    Review | That Time I Tried Blue Apron And 9 Light-Hearted Reasons You Should Too

    Blue Apron Review - Single girl cooks


    There are lots of reasons I don't always eat as well as I should. I would not consider myself a fad diner, but I do enjoy trying new dining experiences. I was first introduced to Blue Apron (no affiliate for this bitty blog) by one of my roommates from college. She had gotten a discount off her first box and said in total it was about $5 or $6/meal. When I saw what it came with, I was intrigued. About a year later when I started working full time, I was looking for different meal-time solutions and thought I'd give this a try.  Here's my Blue Apron Review from the perspective of a single girl.

    Blue Apron Review - What you get


    Full color photo recipe card with instructions
    Box full of the exact ingredients
    Average cost per meal: $9-10/ serving

    Blue Apron Review - The results




    [caption id="" align="aligncenter" width="640"]My Early Retirement Journey Blue Apron Review - Spinach & Fresh Mozzarella Pizza[/caption]


     


    [caption id="" align="aligncenter" width="494"]My Early Retirement Journey Blue Apron - Seared Chicken & Caramelized Fennel[/caption]


     









    My Early Retirement Journey
    This was my favorite!

     


    [caption id="" align="aligncenter" width="640"]My Early Retirement Journey Blue Apron - Trattoria - Style Cheeseburgers[/caption]


     


    [caption id="" align="aligncenter" width="640"]My Early Retirement Journey Blue Apron - Seared Chicken & Sweet Potato Rounds[/caption]


    Blue Apron Review - Takeaways



    • I loved the service.

    • I got to try new recipes and new foods (e.g. farro, Brussels sprouts, fennel).

    • It makes dining an experience from the comfort of your own home.

    • Can easily be made into a fun hang and cheaper than a group cooking class, again in the comfort of your own home.

    • Easily shareable meal wins on social media or even group text.

    • You can try new recipes on their website without even signing up for the service; it's like a cheat sheet. And they have food prep videos. I highly recommend!

    • It's pretty affordable for the convenience of having a recipe and ingredients picked out, itemized, and shipped to your home.

    • You can stop or pause it anytime.

    • It may not be for regular use for everyone, but I think it's a fun seasonal idea to jump start any new lifestyle changes related to eating better.

    • I've tried a couple other meal delivery services, and the Blue Apron recipes are a bit more sophisticated so I can appreciate that. Well done, you!

    • Other: You can pick preferred ingredients or exclude some ingredients, like meat or wheat and you get a preview of weeks of recipes in advance to better prepare. Also, they're usually running some sort of first time user special so you can try the service at a discount.

    • Cons: I didn't like all the chopping; it's soothing sometimes but annoying after a late shift. Plus, it's still cooking...so there's that.

    • Overall, I'd give it a try again, but if it came with a chef, I'd be more keen! 👍


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    Notes on Life | Jul 20, 2018: +1, 75 posts, Flagyl

    Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I love watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!

    Last week of the chart (probably)....









    Click to enlarge

     

     
    Overflow.



    Been meaning to say…after almost 6 months of on again off-again talk about increasing her 401k contribution, my co-worker said she increased her monthly contribution by $200! I wouldn’t have been the nag in her ear had it not been for the FIRE community! +1. Yasss another single lady on her way to financial independence. Ok, she’s not single, she recently got married, but her husband is retired and older than her father. I think I’ll just continue the chart for the rest of July. The image is pretty large and I don’t want to regularly be adding content that slows down my load time. Also, worth noting my apartment building still smells like roasted carpet. I wonder what became of the family who’s apartment caught on FIRE. When I was thinking about volunteering for the American Red Cross, this was something to which we’d be responsible for responding. Can you imagine? So what became of me and the Red Cross? Well, after attending orientation, I never did the online training. I started my side hustle and that was that.

    Been in a funk lately. Partly to do with handling Aunty MERJ’s everything and just life in general. Then lease renewal caused another decision point. Every time this happens I always spin a little bit. Tried out my handy next home finder, and had surprising results. Spent my Wed night just being in a funky mood. Ugh.

    Thurs – call from doctor, turns out I have an infection (BV). I won’t spell it out for fear of TMI. I’m concerned because per the interwebs this is more common in women with partners. I’m not that girl. Hmm… I hope nothing terrible happened to me when I had my surgery in March. You hear stories. Add this to my list of ailments this year. Seven day course of metronidazole (Flagyl). The single girl can’t win. Have to work on health. 7 months straight of needing some sort of medical remedy. Oy.  How did your week go?



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    4 Months Post-Op: Some Unexpected Things (TMI)

    Welcome back. I'm just sharing a quick update on my health four months post-op. Quite a few unexpected things have happened and I want to document seemingly everything on this My Early Retirement Journey. I did browse HysterSisters pre and post-op, but sometimes it's information overload. If I can't find what I'm looking for within a few clicks, I quickly lose interest. It's a great starting place though. Anyway, here's my personal account of what life has been like down there over the last four months.

    Related content: How the Hysterectomy I Ordered Online Helped Save $70,000 for Early Retirement

    Background.
    I had a dual-port laparoscopic hysterectomy March 2018 because of heavy bleeding, polyps and cysts. Conceivably, I could have gone with more conservative management (i.e. contraceptive pills, intrauterine device (IUD), tranexamic acid (TXA) or endometrial ablation), but I tried a few of those. Hormones gave me some weird side effects (i.e. skin falling off in weird places, mood changes, weight and diet changes, and spotting > 100 days).  In my design thinking post, we talk about achieving flow, this was not that kind of flow if you catch my drift. I really couldn't take it anymore. Earlier this week I had a follow-up visit. It was really a follow-up from my 3-month visit.
    My Early Retirement Journey - post op hysterectomy

    Here are some unexpected things that happened to me that my doctor just doesn't understand; can't explain; or didn't tell me.

    • Recovery is weird and the carbon dioxide used in laparoscopic procedures takes 2 weeks to painfully escape your body.

    • You feel deceivingly okay after 2 weeks, but three months later you don't feel totally okay. Take more time off work or life, if finances allow for it. Even if they don't, take your time to heal properly.

    • Weird discharge - either the wound is weeping or infection

    • Bacterial vaginosis (read more here)

    • Granulations (surgery site not healing due to internal moisture)

    • Loss of tone in bladder and rectum

    • Weird heaviness in hip girdle area

    • Funny bulge around mid-section

    • Your guts just feel loose. I feel like my waist has just spread like there's nothing keeping it in place.

    • Anatomical or positional changes when toileting

    • Loss of appetite

    • Prolonged constipation after surgery

    • Still hurts to do a jumping jack.

    • It can take 1 year for a scar to fully form.

    • Light bladder leakage when you pass gas; incontinence feels like it's right around the corner.

    • Just that overall feeling that things aren't quite right in your genitourinary area.


    For those of you that have been through this, please share your experience!

    The Incredible Lightness of Giving: How FIRE Helped Me to Be More Generous

    Since joining the conversation, FIRE and I have had our differences. The struggle was real and still is, but I wanted to share that all this frugaling and budgeting has had a positive impact on more than just my savings rate. The core tenet in financial independence is The Budget. Don't leave home without it! While budgeting itself didn't scare me, it was just hard to make everything fit with housing being my biggest line item. I initially tried to make my expenses conform to a hypothetical ideal budget when I just wasn't there yet. When I finally made the budget work for me where I am currently, I found relief. It's been working so far. Today, I wanted to share that when faced with a new financial hurdle, my budget came through for me.
    My Early Retirement Journey - how to budget

    My Working Budget exceeded my expectations. I recently started handling Aunty MERJ's finances and inevitably had to cover some of her expenses.  At first, I started to panic. Oh my gosh! What will this do to my My Early Retirement Journey. It felt as though I was hemorrhaging money and the thought of carrying the extra expense indefinitely started to give my eye a stress-twitch.

    But I went back to the budget. I use a top down method. I started with the allotted amount for the month ($2,500) and subtracted the necessary bills to see what was left for living expenses. And then I'll adjust from there as needed.  I anticipate my aunt will need my help for at least Jun, July, and August 2018 so I am calling this My Summer Budget.










    My Summer 2018 Budget

    Without tracking my expenses even as loosely as I do, I would have felt really inconvenienced by this additional expense. And that is not how I want to feel when helping out my family. They've done so much for me! Without an established budget, I would have thought I couldn't afford to help or didn't have the means to do so without breaking the bank.  Without the budget, it's quite possible maybe I would not have been able to do much. But the numbers show I can certainly help Aunty MERJ for a little while. I have more than I think and I can be more generous than I would have imagined. And as a bonus I can see areas for improvement or re-allocation down the road. So a huge THANKS to the FIRE Community!  For all the flack I gave you, this was a really great tool!  #Godsend
    My Early Retirement Journey - how to be a single woman in your 30s and retire early

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    Wednesday Weekly: July 18, 2018


    Most popular post on My Early Retirement Journey this week: Notes on Life | Jul 13, 2018: Eldercare, Kitchen Fire, Hawaii

    Wednesday Weekly is a round up of what I stumbled upon this week on the world wide web because sharing resources and information is what the internet's all about.

    WHAT I STUMBLED UPON THIS WEEK

    Being frugal is for the rich (The Outline) 

    Embrace the Power of 'Weak Ties' (Life Hacker)

    WOMEN ON THE WEB

    Create Your “Best of” Yearly Review
    (Montana Money Adventures)

    Summer Bucket List Ideas for Adults (Moms Confession)

    THIS BLOGGING BUSINESS

    22 Blogger Income Reports – From $60 a Month to $160,000 a Month
    (Real Ways To Earn Money Online)

    Enjoy? Follow/ Like/ Subscribe

     
    My Early Retirement Journey - how to be single in your 30s and retire early in your 30s

    This Morning at the Elder Care Center


    Hey there, since the internet is for sharing. I thought I'd share what was asked of me at my recent intake appointment at the Elder Care Center in my county in North Carolina in July 2018. I was not fully prepared, but maybe the next person might be. The intake process took almost 2 hours and that was with me not having all the documentation. This was just my experience, so please don't take this as absolute fact or official information.

    Start here: Resources for Seniors

    Income Limits
    Based on income requirements, Aunty MERJ was priced out of: (again unofficial, just my experience)

    • In-home care (income limit: $1,012)

    • Group home (income limit: $1,248)


    Related content: What No One Tells You About Managing Your Aging Parents' Finances

    For long-term care, the "reserve limit" was $2,000 which excludes 1 home and 1 car, but includes: property and liquid assets. This wasn't fully explained, but it appears to be how much you have in assets. Also not fully explained, but this reserve limit is different from the income limit for assistance for long-term care - which from my understanding varies depending on the facility but is usually not less than $3,000.  Said another way, based on income and assets, Aunty MERJ qualifies for assistance for long-term care because her income from pension and social security is around $1400/mon and she has no applicable assets.

    Information Required
    Here are some of the questions they asked and information requested, so you can be better prepared:

    • Income and income verification (e.g. social security can be verified by them; pension verification must include a dated later on letterhead that lists gross amount and deductions, or paystubs if still earning income)

      • I have no idea how I'm going to get a copy of Aunty MERJ's pension documents.



    • Car

      • Exact date purchased

      • How much is it worth



    • FL2

      • Form signed by doctor indicating level of care required



    • Placement in a Medicaid-approved facility, or placement pending

    • Benefits in another state must be terminated before an approval can be made. You must provide a termination date if patient is getting Medicaid in another state.

    • Life insurance policy

      • What is the name of company, policy number, amount, is it term/life

      • Bring documenation



    • 2 ways to prove residency (e.g. lease agreement, admission into LTC facility, piece of mail, identification)

    • Last known address

    • Be aware that they will sue patient's estate in the event of patient's death for any Medicaid benefits received for which patient were not entitled.

    • Medical bills

    • Health insurance verification

    • Other demographic information: name, address, phone number, SSN, Medicare start date (not same as Medicaid)


    Lastly, you will be notified of a decision within 45 days.

    Related Content:

    The Subtle Art of Persistence: A Suprising But Effective Way To Get Your Money Back After a Tow

    In case you are just joining My Early Retirement Journey, I was towed earlier this year from my apartment complex...on a weekday. I found it completely outrageous. Yes, I was parked in a handicapped space but it was on the side of the building in front of vacant retail spaces. There was nothing for the imaginary handicapped person to go to. Nothing. The retail spaces had been vacant since the building opened 2.5 years ago. Thus, the handicapped parking spaces were not accessible to anything. I had parked there for the 2.5 years I lived in the building without issue. Then one day, I got towed.

    In a follow-up post, I documented my failed attempt to plead my case and get my money back. I was defeated and tried to move on. Then a week or so later, some construction began in those retail spaces and guess where the construction crew parked their vehicles and dumpster... in the handicapped space. What was such an egregious act a week before that it got me towed was now permissible? As the young kids say, homie don't play that. I couldn't stand it. I was re-ignited and began a regular email campaign asking for my money back. It didn't help that the construction noise and debris were right underneath my apartment. It was the first thing I heard and saw... every morning.

     









    My Early Retirement Journey - how to be a single woman in your 30s and retire early
    Construction in handicapped space

    Timeline of Events:
    30Mar2018: Car towed. Cost: $300 (plus 1.5 hours of work and holiday pay)
    04Apr2018: I emailed asking for my money back. 
    04Apr2018: They refused.
    09Apr2018: I emailed again pleading my case and asking for my money back.
    09Apr2018: They refused.
    16Apr2018: I sent another email pointing out the construction crew parking in the vacant lot.
    16Apr2018: They refused.
    23Apr2018: I emailed again with the same details and inconsistency in enforcing policy.
    26Apr2018: Success! I got an email back saying the towing fee ($300) was credited to my account!









    My Early Retirement Journey - how one single woman in her 30s will retire early
    Rent normally: $910 + water

    So the #1 way to get your money back after a tow: PERSIST.

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    Related Content:

     

    Notes on Life | Jul 13, 2018: Eldercare, Kitchen Fire, Hawaii

    Welcome back to My Early Retirement Journey. In case you're just joining us, here's a little bit about me.  I am a single 30-something, openly Christian, hesitantly immigrant-y, human woman. I love watching TV while eating takeout, and I want to retire early. I currently work as a consultant in a tele-health call center making around $40/hr. I started my professional life in 2015 at the ripe ole age of 31 after a few false starts. I spent 2016 paying off about $10,000 worth of credit card debt. I spent 2017 paying off about $20,000 in private student loans; I still have about $300,000 in federal student loans for which I am currently on an income-based repayment plan for the next 25 years, give or take.  I started really getting into savings and investing late 2017 when I stumbled upon the FIRE (financial independence, retire early) community.  In 2018, I made the decision to try to save for a sabbatical and maybe if all goes well continue the journey to early retirement.  Along this journey, I give weekly more personal than finance updates just like this one. Come along with me, I urge you!

    I tried this chart last week and I'm still undecided, so I thought I'd give it another go. 

    My Early retirement Journey - Notes on Life
    Click to enlarge


    And in case you missed it, this is what happened the week before lastSo how was your week?

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