I need advice...leaving one job for another

[irmanator]

actually it amounts to 120 more a week and the fact that I am not terrible in debt only close to the edge. the 120 week will put me on the right side of the edge and that will make my immediate worries go away. I am > < this close to having cc paid off and this 120 week will cut payoff time dramatically.

[irmanator]

ok I think i phrased something wrong...... This job once i get in a couple months ....... should have said When i start this job on the 19th and get thru the first month of no pay and get caught up from that and can get back to my drastic debt repayment schedule things will be less worrisome. because i will see the light at the end of tunnel getting brighter.

[cschin4]

I don't mean to say it won't help. Of course it will. But, many people think there troubles would be gone if only they made a bit more money. In reality, most people continually up spend according to their income.

[kork13]

I would agree with wincrasher... I'm sure you could call and explain the situation to your mortgage lender and they would allow you to delay your payment by a couple weeks. It sounds like you've paid it faithfully to date, which will help your cause. Just ask for a short extension, I'm sure they'd be willing to work with you.

[cschin4]

I'm sure you could call and explain the situation to your mortgage lender

Why would they really care what someone's "situation" is? The terms of the loan were set forth, you either meet them or pay the late fees, etc. And, many mortgages are sold off as soon as you take them out so you are not necessarily even dealing with the original lender.
I am kind of curious as to why people think creditors should "work with them".

[irmanator]

I have priorities and goals and running up new bills is not one of them.

I don't think i want to bother with the lender as I don't want that mark on my record. I will just cut everyother corner to get it done.

Yesterday we hadn't figured out but I think we have a handle on it now.
Thanks!

[buster7823]

I would never ever in any circumstance take a payday loan or title loan or anything like that at all. Have you ever seen the fine print on those loans, even if you think you have it paid in full there may be some fees still lurking around

[irmanator]

No i wouldn't take a payday loan either.

[Joan.of.the.Arch]

Yay! Congratulations on the new job. May it make your life more fulfilling, less worrisome, and easier financially.

cschin4---"I don't mean to say it won't help. Of course it will. But, many people think there troubles would be gone if only they made a bit more money. In reality, most people continually up spend according to their income."

But Irmanator is not most people! With the increases in income my family has had over the years, we have increased not only our spending, but our saving. No reason to think Irmanator won't do that as well. Besides it sounds like Irmanator has been working on getting a better job for six years. She's no doubt thought about the difference it can make. She's probably had out the calculator and some budget schemes. I rather imagine she understands what difference $3 an hour can make for her, better than we could guess.

[jasonnoguchi]

Jason: Right now I am in a factory soldering small parts, and hating it. I have been there for 6 years trying to get off the assembly line. I am certain if I can do this for that long I can do the new job that long or more. After that it doesn't matter as much because my kids will have graduated and moved on and I will be selling and moving down south.

$3hr is slightly more than a little raise in my income bracket.

I feel excited about the new job, I will be taking care of people with disabilities. I am that type of person. The previous job was just to pay bills untill my name came up on the list.

Congrats! Remember, its really not about the magnitude of the income but the sustainability of the income that matters. I wish you best of luck in your new endeavour!

[irmanator]

Thanks Joan for the faith and encouragement!!

Thanks Jason I will be working for the state and they don't typically layoff because someone has gotta take care of the ppl, and it is union so would have to do something really stupid to get fired.... (this is what I am told)

[cschin4]

But Irmanator is not most people!

That's true. I was just speaking in general and I think this is great news for Irmanator and sounds like she will really enjoy the new job. So, I just want to tell her Congrats and way to go. And, it is great to see hard work and thrift pay off!

[Stuartthomas]

its time for a change ...go for it man...