“THE DOUBLE D’S; DEBT DETECTIVE, DOING WHAT’S BEST FOR YOU.”
THE PLAN
March the 7th 2014; its Friday afternoon and today was my last day at the Home Depot a place where I had worked for fifth-teen plus years.
My goal; to climb out of a debt hole and to eradicate debt in my life for good.
The plan; collect my 401 k savings and pay off as much creditors as possible. Target the least amounts, payoff, and continue every month until all are paid off. “Sounds simple enough?” Here we go…
“THE DOUBLE D’S; DEBT DETECTIVE, DOING WHAT’S BEST FOR YOU.”
THE WAITING
I would have to wait five weeks in order to collect my 401 k savings and then the plan was to return to work doing the same, earning the same as before…or so I thought.
In my past post I mentioned that my bank account was averaging a -$1139 every month without me knowing it. I renewed four of my ugly fast loans to quiet things down and to give me a months’ worth of time to plan. A week before my last day I submitted my four week vacation pay to help me out during my time off (something that took three weeks to get) so much for making associates a top priority and helping out. For five weeks I would keep busy and earn money on the side.
HARD EARNED MONEY
During my first week from work I stopped some of my automatically paid bills. I tore apart my old 1967 Dodge Swept line truck. I had being practicing welding on it for a couple of months. Needless to say, took me two weeks to cut it up to sizes that I could manage and lift by myself. I burrowed my older brother’s truck and made four hauls to the metal scrap yard. I totaled $250 dollars which I deposited in the bank. To add to that, I had five large trash bags of aluminum cans which netted $35. Because my vacation pay didn’t get in as expected I had to sell my welder and other things which also added to the pie equaling around $500 dollars. So far I have earned two weeks’ pay by doing this (I get paid $680 every two weeks). I will miss the things I sold, but I intend to beat my debt.
FUTURE PLANNING
In the third week out; I invested $89 dollars in this program called “Advocare” that allows me to collect 20% of the sales that I make. I will start to sale health care products mostly online in hopes of making a few more dollars every month. Please take the time to check out my ADVOCARE site. I have personally started to use the sample they sent me and know people here at my new workplace that are using their products with really good results. Furthermore, I have added Google Adsense and have become an Amazon Affiliate. I have added their links in my other site called smoke fire spice.com. The site is about outdoor cooking and barbecue. As of today, I have one week with them. Will see how it rolls. One more thing; I got my vacation pay at the end of week three.
FEELING THE FUTURE…THE POWER OF INSTINCT
In the middle of December I went over to the competitor and told them I wanted to move over. There weren’t any opening then and probably would not be any until the end of February or beginning of March. I was preparing for the worst possible scenario back at the H.D. Call it “gut instinct or a mother’s intuition” etc…you know what I mean.
In the end of my third week from work I got that call for an interview. There were two full time openings and I was in. Because of my job experiences and because people who have known me that work there, I got the Department Manager opening. Took me an hour of interviewing, but in the end I was told to start Monday the following week. I was excited and best of all, I was even getting a tiny bit more than before.
DOORS CLOSE SO THAT OTHERS CAN OPEN
The fifth week is here and I have received what little I had in my 401 k saving, but it is enough alongside my not having to pay for health ins and other bills to bring down my -$1339 per month to a +$170. I will start zeroing in on other credit cards and any unnecessary bills to reduce my debt and increase the + amount.
LIFE’S JOURNEY
Should my last day be today I would feel confident and at peace to meet our Maker. I have been a good person all my life or at the very least…I cannot recall when was the last time I thought something awful about another person. Helping people here and there. Been a Big Brother to both man and woman. My old military friends called it dumb and some women call me “Goodie Good Shoes”, whatever the term; it is who I am.
In closing, if you like shopping in Amazon.com, should you go to my site about barbecue called smoke fire spice .com (a future experiment), if you link to Amazon.com through there I will receive up to four percent of anything you buy. How cool is that!? You can help out by just doing that, it’s a donation without really giving out any money. Thanks in advance and should you want to put in your ten cents of thought, go ahead. I would be delighted to hear from you, whether it be your own story or that of another; it would be my pleasure to lend an EAR out.
Till next time…I’m going out to the study room to beat on some numbers!