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Archive for August, 2015: Good Living and Lucky's Personal Finance Blog
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Archive for August, 2015

change of routine

August 17th, 2015 at 01:58 pm

I'm coming back from a irregular summer with lots of fun and a little bit of work. I'm going to be working for this week and then I'm off of work. I'm going to be on sabbatical until late next spring, financially this means I'll be earning 80% of my wage.

This summer was wild, I had lots of fun and travels. It was wonderful and it was easy to go with the flow because I knew it was "the summer". Typically, fall comes and school starts and I have to slow down.

This fall is different, I'm going to be setting my own schedule and dictating my own list of things to do. I've got a lot on my schedule including going to the gym regularly, eating fresh and healthy food and working on some of my personal self improvement issues. I will also hopefully be finishing a 2nd degree which will also include study abroad. The plan is New Zealand for a month, 2 weeks through the school program and the rest on my own. Anyone have any connections to New Zealand? Tips and suggestions?

My biggest financial leap

August 1st, 2015 at 05:08 am

I'm curious to know what your biggest financial leap may have been...

Here's my story:

I was 2/3rds the way through grad school, I didn't like the Executive Director at my current position and I was working full time + part time + part time grad school and was a single parent. It was a ragged schedule and it would take me another 2 1/2 years to complete my degree at my current pace but if I quit my job and went full time school, I could complete it in 6 months. I examined my budget, explored health insurance options for myself (child covered by other parent) and put together a plan. I shared this with the people in my life who I really trusted and valued their opinion. I asked them to review my plan and tell me why I shouldn't do it. No one had any objections and even offered me a loan if I needed it. So while it was scary, it was a very calculated risk.

It was very scary for me because I was a single parent who was responsible for my child and had a mortgage to pay. What if I couldn't find another job? What if there was a major medical problem? What if there was a major repair on the house? What if I finished my education but couldn't find a job in my field? Financial security has always represented choices for me. If I'm financial secure, then I can decided which jobs I will take or quit(like leaving the job where I didn't like the director).

It worked out perfect, better than I ever expected.

What financial leaps have you taken? Did they work out? Did you learn something new?