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Hit the wall

August 18th, 2013 at 10:24 am

I've been thinking about money long before I've chosen to blog about my money issues. Working as a temp changes the way a person thinks about money. At least it did for me. Back in the day when I had a permanent job, I could count on a certain amount of compensation on an annual basis and was compensated for vacation and sick time. Even though my income is arguably steady, I've never thought of it as something that could be relied upon. It changes so much from project to project. However my fixed costs are such that they require steady compensation. It's difficult looking at a minimum of $1500 a month in expenses, including $900 for my student loan.

Recently I had surgery and I was fortunate that my project wrapped up two days before my scheduled surgery. I'm in recovery and the doctor recommended that I take 2 weeks off, but I can't see myself having no income for 2 weeks. Since I am in between projects, I have some time to recover, yet I am looking for work as well.

Many times I feel as if I "hit a wall." I start out with the best intentions that I will save money and not use my credit cards and then life gets in the way. The combination of unsteady income and high fixed expenses and life circumstances can derail the best of intentions. Sometimes the only thing a person can do is stay positive and ride it the lean times and try to make up for it when times are flush.

Unlike many of my colleagues, I have not put my student loans in forbearance or defaulted on my credit cards. I have been able to keep up with my expenses in spite of short times.

I do get frustrated at the thought of limitations. Worrying about small things like lunches, transportation or little indulgences is frustrating to me because I do make good money even though it disappears quickly.

Trying to stay positive for now. I just finished paying my monthly bills and I am happy that I have paid everything for August and the beginning of September.