miclason's Personal Finance Blog

The person who is going to interview me is not available on Monday at 4pm, so they rescheduled it for Tuesday...
I{m really getting excited about this!!
Can you imagine?? Even if I don't have DD at the same school, I could go home after work and help her with homework, play a while and then go to the other school for my lessons (I need the money!)

They (the school) wrote almost immediately!!!
they want to interview me on MOnday!!! (i'm trying to change the time from 4:30 to 4:00, though, to make sure I arrive on time at the other school for my English lessons!)

::HAPPY DANCE::

Ok, I sent in my application...I know if they are truly as deeply Catholic as they are said to be, a couple of things there will stand out...still, the worse that can happen is that they won't hire me...

Now, I was thinking (because another friend now has been asking around and told me that the friend of a friend - small city!- works there, and that she gets 50% off the tuition for her second kid, but that has to pay full for the eldest...)...what would I do if they did offer me the same salary as here, but NOT offered Ale's tuition??...or offered only half, which is still astronomical -imo- as the FULL tuition is ~$4K/year, plus the admittance bonus which is almost $2K!!....
You know what? I'd probably take it anyway! (I just wouldn't send my daughter there!)...I mean, the working hours would be infinitely better (say 7:30- 3 - let's say to 4) as opposed to 8-6...I'd still be able to find a second job, say from 5-7 and would be able to spend more time with Ale...

Dreams are free, aren't they??

I'm stressed and decided to connect to one of my best friends through the messenger...she was in the shower, and I got her youngest kid! LOL! good thing I always start with: are you there??...
Anyway, checking my email, there was an answer from the school!!!....they received my resume and sent me an application form to fill...now I'm confused...there's a field that states:
civil marriage: YES / NO
religious marriage: YES/NO

...now, technically speaking, I should answer NO and YES...but, legally, that is sort of impossible (unless you are divorced, the way I am!)... I'll be honest, though, because nothing good ever came from lying, right??...and, if they are the sort of school who will not have a divorcee, I don't want to work there and I don't want my daughter there! (oh, and, in case I haven{t mentioned this before: no, my daughter is not my ex-husband's...I think I HAVE said that before!!)
Oh, well...since I have to sign the form, I'll fill it out/print it at the office, because I have a scanner there and so could send it in tomorrow!!

wish me luck!!

Since there's nothing to do - at the time!- about the issues in my last posting, I decided to do SOMETHING that might result in more money....I send an email to the Ministry of Education asking how I can become certified (even if you graduated as a teacher, you still have to go to them for tests/certification and, as far as I knew, you didn't necessarily HAVE to be a college graduate to be certified, as long as you could pass the tests!....but, all this is hearsay, so, today I asked!!) ...of course, the bad thing is, now I have to WAIT to hear from them! LOL!

I've posted before about this: I hate waiting...I particularly hate waiting when the "ball" is in someone else's court...
Right now, I haven't been able to even file the documents for the loan because the admin at my sister's office hasn't issued it...not much I can do about that!...I have to WAIT!

I keep checking my email obsessively just to see if there are any responses...not yet, and, it really is too soon for a follow up email just yet!...what can I do?? WAIT!

I'm pending a follow-up meeting with my boss ref the reclassification (or not!) of my job...I already sent him the file detailing all that I do, but, the other admin hasn't (I expect he'll try to kill two birds with one stone here, as he said he wanted to get the file so he could study it and then have a chat with us about it)...I even started it for her so all she has to do is fill out the hours!!!...so, I have to WAIT ...on top of that, he's been training outside the office, so I know he's baglogged AND he called in sick yesterday (there's a nasty bug going around, I've had 1 PM in the hospital!)...so, again, what can I really do about it?? WAIT!...I have to give him a week at least to get up to speed!...

...I was checking and, I still haven't reeived any answers from the companies where I submitted resumes 15 days ago...

This really depresses me....

and stresses me out....

I'm starting to feel that knot in my throat again...the one I had when my parents were still alive, and money problems were really serious....I feel like I'm slipping into the dark hole of debt again...I REALLY don't want to go there...

Total for February

Challenge statistics:
invested: ~$6.00 initial (Jan)
~$2.55 (addtnl) gas/Jan
~$5.00(addtnl) gas/Feb
~$21.00 taxies/Feb
=======
$34.55

Earned in Feb: $344.40

net for January: $12.15
net for February: $318.40
Total ytd for 2006 (net):$330.55

*******************
This would be funny if it weren't so tragic: my earnings for the month at the school are greater than my bi-weekly pay at work!!

1. keep better track of my spending- I somehow have used the car problem as an emotional excuse not to keep track...will have to be harder on myself and start again!

2. Send out at least 15 resumes in January(best time of the year to find a new job in ES!) and, at least one more per week for the rest of the year until I find a job that pays better! Have sent at least 7 this month, so that's good...haven't received any answers, though! But, some of them were sent yesterday!!
3. FINALLY decide on a school for Alejandra, AND save money for her enrollment fee, uniforms and school supplies Same as last month: the looking/deciding part is on hold until May- when schools start accepting applications...Have already set up a direct deposit from my salary into my Coop account ($90/month)...

4. continue to lower my overall debt - I started Jan 05 with ~$17K (out of which ~$4K were for a loan and the rest -~$13K!-pure cc debt) and, am starting Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... expect to be able to end Dec '06 with ~$7K, which I expect to be purely for the loan... to come partly from the English classes/$20 challenge. Current debt still at ~$11K due car broke down and need the additional money to try to purchase a new one...in the meantime, pay only slightly above minimum payments!

5. Help Ale find a way to earn those $3 she's missing to open her account with HER OWN money...have not found the training wheels for the bike yet...

along with a very nice (imo) cover letter....All I can do now is sit and hope...and see what happens!

One for a teaching position, and one for a call center...now, the website for the call center was announcing $12/hour, but, I'm not sure if that is what they are charging to the companies that use the call center or if that is what they're paying the agents...I guess I'll have to wait until I hear from them!!...I was thinking, if they pay $6/hour, a full time would pay ~$960/month (slightly more than what I'm currently making)..but, if it were $12/hour, a full time would pay me 2x what I'm making!!....I don't want to get too hopeful, though!

*************
Just came back from Xerox, across the street. Needed to sign some invoices. I asked the cashier - with whom we have a good working relationship - whether they get requests for translations...she said it's not frequent, but sometimes people do ask. She promised to call me if she gets any requests for translations...so that's another "line" I'm throwing...

wow! what a novel concept: people don't pay because they CAN'T....
In my experience (both with my own debt and with other people's) most of the time you can't afford to pay...and, cc companies and collections agencies tend to think you just don't WANT to...I had one collector once told me - when I said I didn't have money - but, you ARE buying food, are you?...Yes, are you suggesting I should starve my baby to pay you back? I seriously hope that's NOT what you are suggesting!...I've also had similar experiences with other companies/collectors....Actually, the collectors that have been more successful with me in the past haven't been the menacing ones, but the sympathetic ones....not the ones that have said: 'but your minimum payment is $300, and you are offering to pay only $100!'....but the ones that have said: "ok, so you can't cover the minimum payment right now, but are willing to give us $100...do you have an idea of when you'd be able to make another partial payment?"....
Luckily, I'm at a point right now where I don't get calls anymore and where I can at least be sure I'll have enough for minimum payments...unfortunately, the balance is so precarious right now, that any major disruption (serious illness, decrease in current income level -or, say need to buy a car!) could easily alter that!
(If I were a deadbeat, I'd be drivin around in a brand new car bought with the proceeds of the apartment sale!!...but, NO, I didn't even see that money, I just transferred it straight to the cc's!)

Went to the Sheraton this weekend (finally!)...had a good time, although we did spend a lot of money....Ale was hungry and I bought a sandwich...which she then didn't eat....dinner was not included....then, because we were waiting for a friend to come pick us up and she was already hungry, I also bought lunch...our friend couldn't make it in the end and had to take a taxi!...total spend on this weekend was $43...
And the other OUCH! is my poor skin! Ale wanted to be in the pool all morning and, she had wasted most of our sunblock lotion on her dolls at home, so, when I tried to squeeze the tube, there was only enough lotion for one....guess which one of us got solar protection??...obvious, no? ...so, I am as red as a lobster....AND, my niece lost our aloe gel, so I will have to buy a new one (I REALLY REALLY need it!)...

1. New bed for Ale...pending, not urgent

2. New bike for Ale...pending, most definetely not urgent!

3. new(er) car really, really urgent! ugh! looking into loans and such

4. Ale's birthday party!! - She wants to have it at the Children's Museum...will have to call and ask how much it costs to see if it's feasible! ...if not, gotta give her the news as soon as possible!- before she tells her classmates! LOL!

5. Renewal of my car registration card....hmmm...include this with the new car $$$, as I'll probably get a registration valid until my next birthday (2007) instead of paying just for 3 or 4 months!

said it's because she's alreday co-signed for someone else...have a feeling it might be because she's afraid I won't be able to pay...she knows that, as long as I CAN, I WILL, but, she KNOWS how precarious my financial situation is...

((sigh)) she suggested I call my ex-husband (been there, done that - he would never do it, if only because his SISTER left him with a $10,000+ debt about 7 years ago...he swore he'd never co-sign anything ever again! - can't blame him!)

So, now I'm left with 2 options, my sis (if the bank accepts her, she co-signed for my cousin and my cousin was late on payments and that affected my sister's credit!) or my best friend...who hasn't been at her current job long enough...

Yesterday, in the teacher's lounge, somebody mentioned that there is a school that is hiring full-time teachers...at $800/month....now, that is more or less what I make here, but, if they were willing to throw in Ale's tuition, it might be worth it...the only thing I'm not so sure of is that this is a Catholic school....I'm wary of religious schools in general...in my own experience (the "B" class at the German School was made up of children -like me- who had come from other schools, and, honestly, kids from religious schools tended to be very close-minded and, also, they seemed to me, to be followers rather than leaders....) Being the daughter of a single mother might also pose a problem for Ale at such a school...so, all this is on my mind...I'm thinking I might go there and try to find out...what's the worst that can happen, right??

practically as junk...but, the engine was damaged...I got $300 for it, which is prettty much what I expected to get...I have been looking at new(er) cars...so far, just checking the classifieds...the price my friend's husband is offering me sounds reasonable, even a (tiny) bit below market...so I may just go with the car he's offered...I still don't know...in the meantime, I'm spending money on taxis to go from the office to the school...not good, as I spend in 1 week almost what I used to spend for gas for 2 full weeks...
oh, well, at least I get rides from home to the office in the morning and from the school to home at night!

I sent out 2 resumes today (one just an "update" to a placement agency, another one in answer to an ad for an HR assistant)...I also saw one requesting English teachers...need to work on a cover letter for that one, but will be preparing it tomorrow (it has to be sent via snail mail to the newspaper!)...

I overheard a conversation the other day that REALLY bothered me...two people from my area were discussing the monthly bonus all employees get, and one of them said: but, people don't look at it as a bonus anymore, they consider it part of their salaries...
Now, people in my area do NOT talk idly, if this was mentioned, it's probably because the bonus is "in danger"...most probably, they want to change the way it is calculated, so that we only get it (or only get it IN FULL) if the whole company reaches its goals for a given month...hey, I think it's a neat idea...but, if this is done, it will probably go down for at least 6 months...and I cannot afford to lose any income! So...now I have extra motivation to keep looking!!

****
I also sent a reminder to all my contacts ref: translations!

the Sheraton hotel sent our company letters for 1 free weekend for each of the admin assistants...they expire on Feb 28...so, I just made my reservation for this weekend!...I'm taking Alejandra with me!....we'll check in on Saturday afternoon, go to the English lessons/Scouts and then grab something to eat (probably pupusas, which are cheap!) before going to the hotel...Ale can enjoy the cable TV and the air condition before going to bed...after she has gone to bed, I can enjoy a warm bubble bath (I don't have a bathtub at home!) and, the courtesy includes buffet breakfast for 2...we'll probably wake up early and, Ale can play in the garden for a while (2 hours) and then we can hit the pool until noon! --aaaahhh!

Ugh! I hate to admit this, but, I haven't filed my taxes and I haven't called the call-center from the ad...

I need to call Padre Vito's home to see if they can fax me a copy of the letter detailing my donations (tax deductible)....and, I need to find a phone to make the call (yes, there is one on my desk, but, the acoustics here are soooooo good, I can hear everyone's conversations...and, if I can hear theirs, they most probably can hear mine!...

My goal for TODAY is going to be to make those two phone calls AND post an update!

***************
called the home and they'll fax me a copy! yay! - so my homework for tonight will be to fill out the form so that I can file the taxes tomorrow!! (11:00AM)
*******
I called the call center...they do have part time positions available, a part time is 7 hours a week, you choose your hours...they open from 6am to 10pm every day (Mon -Sun)...they wanted to schedule me for an interview on Tuesday, but I said no, because of the location of their offices (not the best area of town)...I gave the info to the other admin in my area and she already scheduled her interview, so I'll get the info regarding $/hour from her next week!

Ahhhh, the peace that comes when you stop procastinating (sp?)

hmmmm....I just helped a very good friend of mine to send me a Word document...first time she ever did that! ...
I have been thinking about call centers a lot lately (mostly, about the Dell call center down the street!)...while it wouldn't be wise to switch jobs to go there (they pay less than what I make here!), it would perhaps be a good idea to see if they have some hours available (I recently saw an ad for another call center that advertised "flexible, customized" hours)...If they pay more than the English lessons, it would be worth changing and going to work for them instead of for the school...I have saved the number, so I'll give them a call today after lunch and see ....what's the worst that can happen? they will not have convenient hours or they will pay less, in which case, I'm ok the way it is OR, they'll have the hours and pay more!!!...

I have to try to schedule a follow-up meeting with my boss regarding the raise/re-classification of my job position....I know HR is going nuts right now with the re-organization and the new systems they've put in place, but, honestly, I cannot wait for them to finish to bring this up...plus, I want my boss to know that this is still on my mind!

1 liter boiled water (has to be cool)
1 tablespoon sugar
1 teaspoon salt

mix well. lasts for 24 hours, after that, throw away the remainder (sp?)

If the person is throwing up, has to be fed by spoonfuls, approx 1 spoonful every minute (even for babies - do NOT feed in baby bottle if baby has vomited)

You can also make some chamomile tea and ad 1 tablespoon sugar and 1 teaspoon salt, for a nicer flavor...

OR, ad lemon juice...also for nicer flavor... (for older kids, for example)

I checked with the (other) bank the company works with and, the exec said I can get a loan...I need a co-debtor (either my sis or one of my best friends, the only people I've co-signed for)...If I take out a loan for $5,000 I'd be paying $121/month (don't ask for how long, it's not pretty!)...Now, a friend says he can get me a very good used car for $3,000- $3,700 ...I could use the rest of the money (and the $1,000 I had originally set aside for cc debt, which right now is on hold pending what happened with the car) towards cc debt...that way, the $121/month would cover both the car AND cc debt...it would be a good deal, as the personal loan interest is less than half that on the cc's....so I'm thinking about it...since my friend is bringing the car from the US, I'd have to wait a couple of weeks (he's bringing it anyway, not specifically for me, so there's no committment on my part and I have 2 weeks to shop around and look at other options)...I think I'll call the bank lady and ask her to start the paperwork for the $5,000....I'll see if my sister can be my co-debtor. If she gets rejected, then I'd have to wait until one of my friends comes from a business trip (in March)...Or I can ask my best friend-sister-partner-in-crime, who I know would be willing to do it...problem is, she's been with her present employer less than a year...

...It's a plan!

the VP asked the other admin and myself to give him a detailed list of all that we do, plus approximate time we dedicate to those tasks each week...thought it would be interesting to post it here:

item avg hours/week
Training logistics -major trainings/ preparation 15
Training logistics -minor trainings/ preparation 6
Training Logistics - assisting other depts 1
Training logistics -major trainings/ feedback data input 10
Training logistics -minor trainings/ feedback data input 9
Training logistics -major & minor trainings/ sorting left-over materials 5
Training Logistics - assisting other depts 1
Training Logistics - process payments for suppliers 2.5
Procurement-Purchasing requisitions 2
Procurement-receipt of purchases 2
Travel- COBUS- pretrip - Directors 2.5
Travel- COBUS- post-trip- Directors 6
Travel-COBUS- bookings/transp- managers 1
Travel-COBUS- bookings/Hotels- managers 1
Travel- COBUS- pretrip - managers 2
Travel- COBUS- post-trip- managers 4
Travel-COBUS- bookings/transp- analysts 1
Travel-COBUS- bookings/Hotels- analysts 1
Travel- COBUS- pretrip - analysts 1
Travel- COBUS- post-trip - analysts 1
Travel-PERSONAL- reimbursement requests- Directors 1
Travel-PERSONAL- bookings/transp-Managers 1
Travel-PERSONAL- bookings/Hotel-Managers 1
Travel-PERSONAL- reimbursement requests- Managers 2
Houses- PAYMENTS- utilities 3
Houses- PAYMENTS- domestic employees 4
Houses- ADMIN- general 3
Filing 1
Personal errands- VH 2
Personal errands- Directors 2
Personal errands- Managers 2
Cars- maintenance- general 2
General- problem solving 2
Translations- SDG 2
Translations- other depts 1

Of course, I don't do ALL things every week...but, this gives you an idea of what my days look like...and I still find the time to log on! LOL!

I don't know what he wants this for...hopefully it's to see if he can get HR to give us raises (yeah, right!- most probably to see if they can add a few things!)

I went to another job-search site and found a couple of interesting postings...
interesting as in I can apply and the $$ is more than I currently make!...the most promising one is for an Admin Assistant for the President of a multi-national company, paying $1,300-$2,000 based on the experience/ qualifications...keep your fingers crossed!
I soooo need a job that pays more....and I soooo DESERVE a job that pays more!!!

at least in this city!!...I have been getting rides to and from work since Thursday, but, had to skip swimming lessons on Saturday, as noone could take us...

I soooo need a car!...a friend's husband-who is in the business of getting you anything and everything you want/need (as long as it's legal and makes him a profit) says he can get me a cheap, good used car (the three B's, as we say here: bueno, bonito y barato)...we'll see...because, obviously, I still have to find a way to finance this without damaging my financial situation too much!...aaaargghhhhh! ...all I needed was 1 more year out of this car!!!...a mechanic is interested in buying it..of course, fixing it is cheaper for him: he gets special prices on the spare parts and he'll be fixing it himself...plus, since he wants it for his daughters, it's not like he has an urgent need for it, so he can afford to keep it in his workshop and work on it whenever he has time!...he can take 6 months to fix it if he wants to, for example!!...((sigh))...
will let you know how things go on this one!!

Ok. I received a bank transfer for 1 of my translations (2 pages + recording), for $100.00
This goes towards my $20 challenge! yipeee!!

Challenge statistics:
invested: ~$6.00 initial
~$2.55 (addtnl) gas/Jan
~$4.00(addtnl) gas/up to feb 17
=======
$12.55
earned: $120.70

net for January: $12.15
net for February*: $96.00
Total ytd for 2006:$108.15

++ think might need to use the money for car instead of for cc debt payment! Still, if I have to, this is money that I won't be borrowing, so I'm counting it as progress!

Actually, it died last night, about 1 block away from home...managed to get it started again today and it is sitting in the garage...waiting for the mechanic to come, since I WAS going to take it to the workshop, but then it just refused to start again...I was putting water in the radiator every day...but yesterday there was a huge traffic jam and it overheated and then just boom, it stopped...so now I'm sitting here feeling sooo disappointed...and thinking that if the mechanic says it's expensive, it might be a better idea to just sell it for scrap and use that money, plus the translation money plus the translation and locution (is that a word) as a downpayment for a used car... It would mean going back to minimum payments on the cc's and that would mean that my ultimate goal of being debt free might be delayed for a looooong time, but...is it worth it?? I mean...I really cann't afford to NOT have a car...for instance, the timing from the time I leave my office until I get to the school is timed to get there by car...no way I'd get there on time if I have to work 4 blocks to the bus stop, wait for the bus and then walk 2 more blocks from the bus stop to the school....Even worse if I decide to not walk and have to switch buses...(buses here are not on a schedule)...then, on Saturdays, I leave the church at 10:00am, the precise time when Ale's swim lessons should be starting...by car, it's only 15 minutes...by bus, we would have to walk 3 blocks to the bus stop and wait...and, probably would have to change buses...we'll never make it on time...and then, she finishes at 12:00 and I'm supposed to be at the school at 12:45...by car it's doable, but, by bus...never

Not to mention that buses here are dangerous - think I have written about this before...

Paying for a taxi is out of the question, as it would be about $3 for the office-school ride (so $127week), $3 for the home-church and at least $6 for the church-swimm lessons and about $10 for the swimming- school and another $6 for the school-home! ...I'd be spending an awful amount of money on taxis!!

((sigh)) have already called work to say I'll be looking into fixing my car...will probably use the whole morning and go see car options as well...

wow!...I've never had a new car...all my cars have been used...that might be about to change...as I research into loans for vehicles (mine seems about to die, but, don't worry, I won't do the switch before the old one is RIP)...anyway, what I have found so far is this: you're better off taking your loan directly from the dealership, because: 1. most banks will only loan you for the purchase of a new car, and they'll only finance up to 90% of the value of the car...2. if buying a new car, the banks will give you interest rates starting at 7.77% (if you have at least 20% of the total value of the car to give as a downpayment)...and they'll give you up to 60 months to repay...for used cars? They finance only up to 80% of the value, interest rates start at 13.5% and you get 48 months to pay...oh! and the car cannot be older than 3 years...This means that the actual difference between the monthly payment for a new car and a used car will be about $40...

Not that any of this matters at the time, because I don't have the money anyway, but, I thought it's good to start researching ....

Finally got it!!!... so, tonight I'm going to dig out last year's tax file so that I can re-create it for this year and file my taxes!!...I'm doing it in February, as the Government has announced that all people filing in February will get their refunds before Holy Week (April)...I want my money!!!!- of course, I'll only get to hold it for a few minutes before handing it over to the cc company, but....I'm buying my freedom!!