Monthly Archives: June 2014

Spending

A year has come and gone, and I have since passed smoothly across the 1st anniversary with my current employer. Speaking with those around me, it feels as if I have begun late in the game, and perhaps I have. Always a little behind my peers, even ever since grade school. It was bound to happen:  I am now working amongst team members already in their second and third year. I’ve now began realize this constant trailing in a new and unexpected way.

Not that it has truly impacted my life performance. The benefit of maturity amongst peers has always seemed a position of strength, a credit and asset, another layer of professionalism laid upon my personal veneer.

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Turnover

Quite a few coworkers have recently quit. This dwindles the team, and the overall moral follows suit. This happens for a couple of reasons. By it’s very nature, a team is a group of more-or-less equal parts, people playing roles similar in design and status. When a member of the team leaves, every person is likely to internally or externally reevaluate their time-spend. Am I content with the work done for the level of compensation received? Am I being taken advantage of? Have I become more valuable in my role? Should I ask for a raise? Do I deserve more money?

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HSA Fund Analysis

A Health Savings Account (HSA) incentivizes saving for medical expenses and is made available as a feature of high deductible health plans. With my employer, I have the choice of either a high deductible health plan (HDHP) or a normal health plan. Opting for a HDHP makes sense at this point in my life because I am young and have great health. A HDHP is also one-fourth the cost compared to the normal health plan and still allows annual medical checkups and coverage of the common medical disaster scenarios (albeit at a higher deductible).

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Debt Destruction 2.0

With the recent demise of my education loan, the now excess funds are being redirected to a new target:  The Car Note.

The car note is a big one and currently sits at $10,540 (down from it’s original principal of $18,279). After nearly 3 years of paltry $300 payments, I am bumping this number up to $1600 monthly.

Debt Destruction 2.0

Debt Destruction 2.0

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