I am completely is shock with how quickly time dies. it is almost one year since since leaving work early year, i can blame my early leave from my full time work due to me going into premature labour Las June 2014. I wasn’t schedule for my actual due date till July 29th 2014. I had a shockingly good pregnancy this time around with my 2nd munchkin. I had all the energy I could ever need compared to my first pregnancy with my first child. It really sucked. I was sick and nauseated every single day, all hours of the day. I was so miserable with no energy at all.
Looking back to my first pregnancy, I could see where all my financial woes first started. I was taking the prescribed medicine to offset my feeling of being sick however. , it never worked ever. I was one foot with no vehicle. Only public transit trying to get to work on time. 1/2 way through my trip I would get sick and have to get off a bus,streetcar or the subway till it was safe to journey. Some days I would eventually make it to work and other days I would have to make a uturn and just go home.
They can’t say I never tried. the thing that made the situation totally life changing to my lovely hood ,is that it was medically recorded on my file. I received approval to be away from work if I couldn’t make it in. But I wasn’t given the grenlight my our companies insurance investigation company to be paid for any time I wasn’t able to make.
I know a lot of readers are saying. Well ya no work no pay what makes you special. Well I don’t consider myself special in anyway to avoid the rules. I accepted my fate and keep it moving. I struggled with my dramatically low paycheck every other week. Some pay periods I would miss only one or 2 day and others I would miss several days. I lived very minimally . There came a point when I was so sick of not making ends meet. I struggled to even eat some day. And believe you me it was tough being pregnant and being able to eat or supply my cravings whenever I wanted. that time in my life pushed me to research a company i heard about from a previous coworker from a previous employment. I researched and became an independent phone/ order taker for Pizza Pizza/ Pizza 73 for Alberta. The best side hustle gig i ever started. Too bad it ended to soon. . But that’s another story for another time.
What I’m trying to say is I’m no rookie to the hard times of living off a reduced salary, one income, no saving, accumulating debt. Back in 2010 was the original start of my debt journey. II’ just sick to my stomach remembering the hardiness. but no or can move forward from debt without reconizing the cause or debt and creating a well thought our plan to resurrect ones self from the deep pit of debt.
Oh yeah, I completely recognized my debt predicament and I’m ready to make a change.
Today I plan better for my and children’s future much beer. I learn to live below my means, I learned to determine my needs from my wants.
If I don’t have enough for something,then forget it.
I’m more stable and comfortable where my life is today. I’m not saying that I see the glass ceiling and I will live with it. I just saying I recognize where I am now and I’m smart about and cautious of my actions now. One wrong move and I not only affect my own life but my children’s lives as well.
I Ontario our rate of income for being on employment insurance is 55% of your regular pay. Yeah pretty tight!
it only lasts for one year from the date to left your employment. Not everyone is approved for this type of EI(employment Insurance ). Thank goodness I was. I remember how incredibly great I felt with this pregnancy. I was very energetic. I would always walk where I had to go Aalto. speed walk might I add. I was at the park on a daily basis for upto 2 hours at a time with my first born playing. On the side and all that the park had to offer to us. I dint want her to feel bored or leftout from my fun because I’m pregnant. really not fair. I carried heavy things.includjng lifting my daughter as we would travel to ND from work on public transit. More times then not she would fall s sleep on the way and would not wake up to move on her own. She was only 3 at the time. boy it was hard but what’s hard makes you stronger. And I am.
I really do regret any of it . One income reduced is no fun but it is totally doable.
The time is nye
I can believe the time is almost here to return to my full time duties at work. It’s bitter sweet but I’m kinda excited to go back. I really gonna miss spending every waking minute with my baby munchkin. I love my children a lot and love spending time with them but I must return to sword.
No work no money.
Living off my EI income of 55% is pretty tight. But 100% of Mt pay sound even better.i literally start back on June 29th 2015. Thank goodness for living in a city with subsidized child car. I am completely bless to receive my funding to go back to work in the right amount of time.as I did the first time around as back in 2011. Even earlier then I was expected. I’ve heard horror stores but thank goodness it all worked out well for me.
When I start work I will continue my same mindset I am in preparation return to work( living on EI, I don’t want to change anything with the way I live now. With me keeping up this mindset and saving while eliminating my debt momentum, I will be on track to saving up to $1000 / mth.
I know a whole $1000 savings and all this just by pretending I’m still making only just over $1300/mth. It’s awesome to see the power of our minds and what we can accomplish. things like this make me so excited. I am completely on board with my new start and finally taking control of my future. I can’t wait to punch my debt right in its face. Wow whole $1000 i’m so proud.
I didn’t start yet but I’m excited. I’m the type of person that get motivated by the possibilities.
Please let me know what you think. Should I save more? What’s the best way to trick myself into saving money? How to stay motivated paying off my debt.