Back to Work 2016!

Great News!!!!!!!!

Mr. Brickie just texted me from training – he starts work Friday!! (Training is M-Th)

This is, by far, the earliest he’s started working. Last year he started in April. The year before he started in late June. The earlier he starts, the more hours he works. The more hours he works the more he vests into his benefits and health insurance. The more hours he works, the sooner he will get to the next apprentice level and closer to the goal of being a Journeyman!

Also, the sooner he begins working the more money we make through the year and the more likely it is I will be able to pay off that credit card debt and start on a proper winter emergency fund for next year!

Due to the weather he may not be working 40 hour weeks but if he did he would make $919. So we are absolutely in a position now where 40-hour checks are a lot of income for us. I will lose SNAP benefits pretty much immediately when he begins working (as it should be…I would much rather be able to afford to buy groceries) so we will have to budget $600/mo. for groceries. There will be higher gas costs and there will be toll costs to take into consideration as well. I need one day to figure out how much to budget for tolls and one week to figure out how much to budget for gas.

I don’t even start hoping to budget for job income until March – I couldn’t be happier for the surprise.

Our monthly bills and expenses add up to approximately $2300. So if he DID work full time that would free up $1300/month to pay toward debt.

I like to calculate the best possible month (The Model Month) first. Then I calculate the bare minimum and have a sliding scale in my head of what gets paid and how much goes to groceries based on what those two months look like. I also prioritize how I pay things so if something is going to go unpaid it’s going to be a savings account I’m putting money in for insurance, not the grocery budget. (I can always pay insurance monthly if I have to.)

The Model Month is a super-rosy view on the situation considering the view out my window is fairly heavy, thick snowfall. It’s going to be a while before full weeks will be worked, I think. The job should go through fall and that’s always the best news because we won’t have to worry about him finding a new job until probably the end of August. Since he hasn’t been to the job site yet we don’t know if it’s indoors, outdoors, block, brick, or stone. So maybe it’s a situation where he can work when it’s snowing. We’ll see.

Even though I hate the waiting, I’m getting better at it. Funny, having to learn to be calm waiting for him to work has reduced my anxiety around a lot of other things in life, too. It’s like an exercise in how to remain calm in the face of the unknown.

Back to him being an apprentice and working partial weeks….now that he is at the 70% apprentice level, even partial paychecks are better than unemployment for living on. We might not have to go to the food pantry anymore *knock on wood* (I only care because I have never been able to shake the feeling that when my family uses the food pantry we are taking from other families who might need it more) but at this point I just got the good news so I’m letting myself dream big before I pull myself back down to earth to make real plans and start plotting out possible financial futures so I use our resources as wisely as possible.

We might be able to pay cash for Christmas this year. (I said this last year and the year before, too, so I know I’ve hit fantasy football levels of optimism but whatever, I don’t care, I’m happy.) Sometimes even I am an optimist.

I can tell you we are better off than we were this time last year but in some ways maybe we aren’t. I do have more credit card debt overall, not less. That’s negative for sure. I do have a paid off car, though, and that is so important for having traction paying off everything else!

A lot rides on the weather, on materials, on deliveries, and on other factors that go into the logistics of making a building. The longer he works as a bricklayer, however, the more I realize that everyone is really pretty darn honorable. Mr. Brickie hasn’t had anything really shady happen at any of his job sites, no one has asked him to do things that were unsafe or illegal, everything has been on the up and up for years now.

He’s at his required training this week (only two more to go, ever!) and he’s working with stone and kicking butt. He has a natural gift for working with stone safely and quickly…weird how people find hidden talents, isn’t it? You wouldn’t know you were gifted with stone any other way than to become a bricklayer and lay some, would you? (Unless maybe you became an artist that chose to use stone? It’s possible…)

As always, I’ll keep you updated!