Posts Tagged ‘raise’

First Payment!

January 4, 2018

And I made it a double.

Just because.

I just did my first payment on my car loan for my new car.

There was some confusion regarding what I needed to do and I was a bit perturbed today that I had to make a lot of time to email back and forth with the sales person at the dealership to figure out what to do.

For some reason, and I don’t believe it’s because they wanted me to have a free car, I was never sent the bank information regarding my car loan repayment.

I knew from reading over the paperwork that my first payment was due tomorrow, 1/4/18.

I sent the dealership a message on 12/3/17 to make sure that I was ready to go and it being the holidays and all, which is why I’m assuming things slipped through the cracks, that I should have it set up before the new year.

I was assured the paperwork was being sent out to me, but I never received anything and right around New Year’s Eve I realized that hmm, I still haven’t gotten my loan paperwork.

Three e-mails later and it’s now the 3rd and the payment’s due tomorrow and what the fuck?

I was getting snippy and I ended up taking a big deep breath at work and resending an e-mail apologizing for being short, saying that I felt a little dropped and was concerned that I was not going to get the information needed to pay the loan payment and I had to laugh at myself, really laugh.

Because.

There was a time when this would have not been a concern, not a worry, not a blip on my radar.

A. I would never have bought a new car, I would have been doing too much blow to be able to afford a new car.

B. If I had somehow finagled a new car, it would be their fault that I didn’t pay the payment on time and I would have played the victim card.

Nope.

Instead.

I just made my last e-mail a simple one of, hey, forgive my shortness in my prior e-mail, I’m concerned and want to make sure the payment is made, please advise.

And.

That worked.

The salesperson apparently, which of course, makes total sense, has nothing to do with the loan company and it was the dealership itself that dropped the ball getting me the paperwork.

Which is odd, as I did get my plates and registration.

And so she, my salesperson, found out where the loan was being held and got a hold of the number for the bank and forwarded that on to me and as of a few minutes ago I made my first payment.

It felt very nice.

I made a double payment and I am going to try to do that as often as possible.

I want to always pay more on the loan than I need to.

I would love to pay it off faster than the financing on it.

Less interest and I just like taking care of my bills in a timely manner.

I could have actually put a little bit more on it, but I also have been advised to have a year’s worth of payments in my prudent reserve, so I have that and if anything should happen, I’m ok.

I’m not too worried though.

I just got a nice raise at work, 5% thank you very much.

And I should get a good tax return.

Plus.

I won’t have to start paying back my student loans if I transition right into the PhD program at school.

I’ll take the summer off from school, but as it’s just three months, I won’t have to start payments on my loans for school.

If I took off more than six months I would.

So it’s important for me to apply for this fall to get into the PhD program.

I want to anyway, I want to keep my momentum going, I want to be in the habit of school and classes and keeping one foot steady in front of the other.

I see a lot of folks take time off from school and it just gets drawn out further and further.

I prefer to get it all in now, line up my ducks, knock ’em down, getter done.

I’d like to pay off my car by the time I get my PhD.

I think that’s entirely possible.

Paying off the car within three years.

At the rate I’m supposed to pay it off it would be done in 2023.

But if I make double payments, well, that’s half the time and it would put me around 2020, same time I’d be graduating with my PhD.

It will helpful as well to have the car loan paid off before I have to start paying off the student loans.

Anyway.

Numbers and money and time.

I’m just really grateful I didn’t have to ride my scooter in the rain today.

I’m super grateful I got to listen to music going to work and coming home.

I’m ├╝ber grateful that I found good parking in my neighborhood.

And very, very, very happy I made my first payment a double payment and that I got it in on time and I was nice to the salesperson.

Patience, tolerance, kindliness, and love.

That’s what I want this year to be about.

Oh, yes.

It’s definitely.

All.

About.

The.

Love.

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Not What I Wanted

December 23, 2017

And beyond generous.

I was disappointed, let me get it out-of-the-way, the sounding like an asshole, today when I got my Christmas present from my employers.

Gah.

I sound like such an ass.

I’m not disappointed any more, fyi, I got over it pretty fast, but for about an hour I was miffed and a little let down.

I had hoped for a bonus.

Ah.

Who the hell am I kidding?

I had expected a bonus.

I had expected a weeks pay.

That’s typically what I have gotten from my employers whom I have nannied for, with the exception of one set of families that gave me a half weeks salary.

I was rather counting on getting the money to make my first car payment on my car.

Not that I don’t have it to pay, my dear and sweet and generous friend who went with me to help me get the car told me don’t put too much down, rather, keep it in prudent reserve, a years worth of payments, just in case something happens.

That way I’m not screwed if something comes up and it felt really good to do that.

I still was hoping to get a nice bonus and throw a big payment on my first month of the car payment.

Not happening.

Of course, I’ll still make the payment, and it will be larger than what I need to, I have it, and I want to pay off a little extra every month.

I felt a bit chagrined to have gotten my hopes up so high.

I do know better, expectation leads to resentment and all that.

But I had gone ahead and had some expectation.

I think I surprised myself.

I think I thought I was maybe, just maybe going to get more than a week’s salary.

The huge gift of an Iphone 8 for my birthday.

Then, there’s that, the HUGE gift of the Iphone 8.

Which retails at $799.

And the family also did give me two other gifts tonight as I was wrapping up the week with them before the holiday–a set of AirPods, which retail at $159 and six paid sessions at my chiropractor, at $85 a pop that’s $510.

In toto this week the family has given me $1,468 worth of stuff.

I need to shut the fuck about not getting what I want.

Yes.

It’s true, I would not have spent the money on a new Iphone or the Airpods, not at all, last thing really I would have bought, nor would I have spent the money on the chiropractor, although, yes, eventually I would.

But I wonder, have been wondering for a few moments now, what if these are exactly the things that I need in my life.

My current phone is old and probably won’t last much longer.

I have been pondering buying a new one soon anyhow.

The Airpods will help with me taking client calls, I did a phone session tonight and I thought about half way through of the pods and, huh, they are going to come in handy.

Plus.

Going to the chiropractor is expensive and I know myself well enough that maybe I wouldn’t keep paying $85 a week to go to it.

Shit.

I pay $120 a week for therapy.

So maybe the gift certificate was exactly how I should be spending the money.

Really.

I got more than I was expecting.

It was just in a different form.

I also got to have some amazingly sweet time with the oldest boy today.

We had a solo day out.

We took the train downtown, went and visited the Christmas tree in Union Square, watched the ice skaters slipping all over the place on the temporary holiday ice rink that always goes up, went and looked at the Christmas windows in Macy’s and watched the kittens and puppies play, then off to the Metreon to watch Ferdinand the Bull, the new cartoon movie, quite sweet.

Afterward we went back to Macy’s as there was a food truck party happening and he and I got rotisserie chicken and brussels sprouts and sat on the astro turf and had a picnic lunch.

Then.

Yes, I can’t believe I let him talk me into it, we went into the Disney store, then to the Westfield Mall.

It was intense and probably not an experience I would enjoy on my own, but getting to see it through his eyes was super sweet and special.

I helped him pick out a Christmas present for his sister and I picked out a present for his sister to give to him.

So adorable.

He ate all sorts of the good junk food its super fun to have when you’re seven going on eight, popcorn and a slushy at the movie theater and Twizzlers, the chicken for lunch, eaten with his fingers, and, yes, unbelievable that he even had room for it, a pretzel hotdog from Annie’s Pretzels in the mall.

“What is that good smell!?” He asked as we came back from getting his toy.

Annie’s Pretzels.

He basically passed out in my lap on the MUNI train ride home.

Such a sugar pie.

When we got back to the house and settled in and all the parents and siblings were present I gave them the presents I had gotten them: the Dogman comic book for the oldest boy and another comic from the same author (he LOVED them); a rainbow unicorn pencil bag and unicorn dress pin for the little lady, and for the baby, one of my all time favorite children’s books, “I Am A Bunny.”

Too adorable.

It was good times.

And it was so nice to get all the appreciations from the family.

Even with not getting what I wanted.

I got so, so, so much.

The mom and dad and I also renewed my contract and did an evaluation.

The dad basically told me how they do it where he works and that they judge on three categories and each category is measured by: needs improvement, met expectations, exceeds expectations.

The dad said the I had exceed far away all of their expectations and as such they wanted to give me a bigger raise than the cost of living wage I was expecting.

See?

Hahahaha.

Expectations, bite me right in the ass, but this time in a really good way.

The cost of living raise is 3%.

The family gave me a 5% raise.

AND.

The father explained that I will receive as well, a 5% raise every year that I am with them.

It will be a 5% increase on each years salary, so each year the raise will be bigger.

I am down with that.

So fuck my expectations.

And Merry Christmas to me.

I’ve been given so very much this week.

I am so grateful for my life.

And all the love I get to have.

Luckiest girl in the world.

Seriously.

 

I Raise You One Sick Day

October 9, 2015

For ten vacation days and….

Actually.

I got six sick days.

And.

Clarification that I did not have the last time I negotiated with the family I work for.

I get the sick days, six, to be actually sick.

Um.

I never get sick.

But I do have accidents.

And doctors appointments.

Which reminds me, note to self, my Healthy San Francisco expires this month and I either need to re-up or look at Medical or Obama Care.

I haven’t experience with either, but they are true health insurance from what I can gather and Healthy SF technically is not health insurance, although, really, it feels just like it.

Suffice to say, I am not going to be covered either way here in a matter of days and it’s time to get aboard that boat now.

“Girl, you have some loose boundaries around your money,” my person said to me tonight with a fierce look in his blue eyes.

I know!

I know.

I really do.

But I am learning and also, to give myself some credit, all this stuff is really new for me.

Despite having been a nanny on my own, sans agency, for a long time, it still takes time for me to figure out everything I need and to than go forward and ask for it as an independent contractor.

That’s what I am in a sense.

I am self-employed, but I have contracts.

I have learned that having a contact brings clarity.

So.

Last night when I realized that I needed some more clarity I took it upon myself to reach out to the family and discuss the next step in our figuring out how to best move forward.

I got great clarity and I am grateful.

I did not get a raise.

But.

I got a raise.

It just doesn’t look exactly how I expected it to look.

I am not getting an hourly increase.

But.

I am sustaining my current benefits despite working less.

35 hours a week when I am not in school.

28 hours a week when I am in school.

With some flexibility to add or subtract.

Like next week the boys have off for Columbus Day.

They actually have Columbus Day and the day after off.

Who the hell gets Columbus Day off?

I don’t remember this as a kid, but the school is a private school and it seems that they have a lot more holidays than I ever remember having.

Anyway.

Next Monday I will work 10 a.m. to 6 p.m. as well as Tuesday.

This is a big shift for me since school started for me and the boys relatively at the same time and I have been working 1 p.m. to 8 p.m. for the family.

I go in at 1 p.m. clean up the breakfast stuff, unload the dishwasher, tidy up, do the boys laundry, recycle, compost, trash, prep snacks, meal plan with the mom, go grocery shopping and marketing, mail stuff, pick up stuff, run errands, make dinner.

Then the boys come home at 3 p.m. and we have our afternoon together, then dinner, baths, then bed time when the parents take over.

Although both mom and dad work out of the office at home, so there is much interaction with the parents.

It took me a little while to get used to that, I’ve typically worked for families that were working away from home, but there’s been enough exception to that rule that when it presented with this family I was not completely unprepared for what that entailed.

But I can handle the shifting hours and it does make it possible to see my person again next week who I normally would not have been able to do.

God it was good to see him.

Those twinkling eyes.

Those wise words.

The shared experience.

And a person that I am genuinely myself with, no masks, no hiding, even when I want to hide, I can’t and I am grateful for his love and guidance and I don’t know how I would have gotten through the last year and a half without him.

I digress in gratitude.

Which for digression is not a bad thing.

We talked about the process of asking for clarity, of what it was like for me to ask for the raise, what it has been like being aware of what I need, also the acknowledgement of how I am moving forward completely above-board and all my tax stuff is transparent and how grateful I am for that.

Frankly, it’s a relief.

I still have fear of getting audited for years that I worked under the table as a nanny.

Be that as it may, I needed to do it that way to get by.

I couldn’t have lived in San Francisco had I not.

I have no regrets about it.

But I do have a choice now to stay in the clear and what with school and financial aid, it just feels right.

Needless to say.

It’s called being an adult.

It’s taken me awhile to grow up and grow towards my financial ideal.

I am still short.

But.

I have come so far.

When I think about the lack of guidance I had in money matters growing up, how lacking my family of origin experience was in regards to financial knowledge, despite watching my mother and step-father have hair pulling, knock down, drag out fights, with tables that got flipped over in the dining room, over the monthly budget, I never learned how to handle my finances.

I’ve learned most of what I know in this last decade.

I really have grown up.

There’s still plenty of growth.

But.

I will acknowledge the growth that has happened now.

I accepted the package the family proposed.

I stay at my current hourly.

But.

I get all the perks that I had before when I was working full-time.

I.e.

I still get the same vacation days!

Which is awesome.

As in I get Thanksgiving and the day after Thanksgiving off.

Hello four-day weekend!

I also get the 23rd-25th of December off for Christmas.

Five day weekend!

Hell.

I could actually make some travel plans.

Plus.

I accrue my vacation days the same way, which means, I get the same ten I got last year and I still get the six sick days, which I now know to actually use when I get sick or need time off for doctors appointments, etc.

I’m getting full-time benefits without working full-time.

This is a really nice perk.

And.

We will follow-up with a review at the end of the year where the family has agreed to look at giving a raise at that time and negotiating moving forward from there.

I think it’s a win.

I certainly learned a lot about myself and my process and I am very proud of myself for the work I did.

Albeit I could have done without the unnecessary drama I brought on myself through anxiety and miscommunication about my vacation days and sick days.

Growth.

There’s always more to do.

But I have to acknowledge the work I did too.

That’s a part of it all as well.

Grateful for the experience.

Even when it was painful.

They say pain is the touchstone of spiritual growth.

I can second that opinion.

And raise my sick days to that notion.

Plus a couple of long delicious weekends in the not so distant future.

Winning.


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