has pretty much revolved around the "don't count your chickens before they hatch" scenario.
I paid a bucket load of tax this year. Partly because I worked 3 part time jobs for most of the year. And my tax-free threshold was claimed on the middle-earning one, not the highest earning one.
What this means is, on my highest-earning wage, I paid just under one third of my total income from that employer in tax.
Now, I'm not completely stupid. I understand that these things usually all come out in the wash at the end of the year, it all balances up and you really only end up paying what you are supposed to.
But I was pretty sure that it would work out so I would get a reasonable tax refund.
The estimate I've determined from today, however, shows that there is nothing reasonable about it. Because I earned in total *just* over the amount required to have to pay back some of my higher education accrued debt, the expected refund has all but vanished.
I have a construction project that I'm in the middle of, that I'm sure you all remember. It's stalled because, quite frankly, I need to hire someone who actually knows what they are doing. And now, I can't afford to.
I have no clue what I'm going to do. Everything is crumbling down even further at this stage. I mean, really.
Never ask how much worse a situation can get. Just.... dont.
Thursday, July 28, 2011
Thursday, July 7, 2011
Have you ever wondered?
What would happen if you threw caution to the wind and just rolled with whatever life landed in your lap?
I wonder lately if I've become to obsessed with safety. Financial safety being a big thing. There's a bit in my head that used to not care so much, and was happier following my impulses. But these days I seem to have convinced myself without a doubt that I AM STUCK.
I can't change anything, because then I wouldn't have a safety net. I work in a role I dislike enormously, but it's SAFE - it's permanent, it's all but guaranteed. It's not budging, and it brings in a set income, and I can pay the mortgage and most of the bills with it.
I have been looking for new jobs all day. There is a potential job just down the road from me. I'm trying really hard to bite the bullet and actually apply for it.
But I'm scared. Because the income will be smaller and I don't know exactly what the flow on effects will be. And I'm scared.
I never really thought that applying for work would be a risky thing. It is when it means you have to leave what you know and do something else, and when that something else comes with a lesser implied $$value.
Ack, I think I just need to man up or something.
I wonder lately if I've become to obsessed with safety. Financial safety being a big thing. There's a bit in my head that used to not care so much, and was happier following my impulses. But these days I seem to have convinced myself without a doubt that I AM STUCK.
I can't change anything, because then I wouldn't have a safety net. I work in a role I dislike enormously, but it's SAFE - it's permanent, it's all but guaranteed. It's not budging, and it brings in a set income, and I can pay the mortgage and most of the bills with it.
I have been looking for new jobs all day. There is a potential job just down the road from me. I'm trying really hard to bite the bullet and actually apply for it.
But I'm scared. Because the income will be smaller and I don't know exactly what the flow on effects will be. And I'm scared.
I never really thought that applying for work would be a risky thing. It is when it means you have to leave what you know and do something else, and when that something else comes with a lesser implied $$value.
Ack, I think I just need to man up or something.
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