I am now consistently earning more than my base pay each pay period. When you do that, it's hard not to consider the higher number as your base pay. However, I need to adjust my thinking and consider the lower number as the norm. I know during the holidays my pay will drop when work slows down. My pay will also drop when I take any time off, even though I have PTO.
For now, if I can maintain my current earnings rate, I've considered the extra money I've spent for various things this month (including money still present but reserved) and figured out that it's at least an extra $600 of abnormal expenses. During months without these expenses, I need to be putting that money into savings, insulation or paying off my student loan or any combination of all the above.
Insulation is the next big priority after daughter's room is done. Because utility bills are low now but will skyrocket in winter, just when my pay decreases and holidays come around. I will consider part of the solarium as insulation cost in the long term.
Speaking of which, I need to submit time off request for holidays soon. Plan ahead and increase chances of having time off during the holidays.
For now, if I can maintain my current earnings rate, I've considered the extra money I've spent for various things this month (including money still present but reserved) and figured out that it's at least an extra $600 of abnormal expenses. During months without these expenses, I need to be putting that money into savings, insulation or paying off my student loan or any combination of all the above.
Insulation is the next big priority after daughter's room is done. Because utility bills are low now but will skyrocket in winter, just when my pay decreases and holidays come around. I will consider part of the solarium as insulation cost in the long term.
Speaking of which, I need to submit time off request for holidays soon. Plan ahead and increase chances of having time off during the holidays.
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