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Debt Random Ramblings

The shit’s hitting the fan now

Well coming home from our Halloween party tonite Kathy and I had a little tiff. I say tiff because we don’t fight and argue and things like that. We actually have a very, very solid relationship and are very big on communication (well let’s just say I am and she never was but she’s doing famously with it after 3 years of being with yours truly lol)

Anyway, she told me that she wanted me to keep doing what I was doing when I wasn’t doing real estate for the past year (which I’m decent at, btw) because she said it’s like guaranteed money for me (it’s not guaranteed it’s 100% commissioned sales) but she feels comfortable with me doing that because she knows that a) I can do it and b) it’s a quicker sale than real estate.

I informed her that I’m getting tired of doing it and that my heart is really in real estate. She (and here’s really where the shit came) let me know “yeah but you stop doing that.” I kinda got pissed off…….to me, and yes I was getting defensive, it made it sound like she was saying that I start and stop real estate and then start and stop. I don’t…..I had a horrible moment, ok a year long moment, where I let my mind get the best of me and I stopped doing real estate, but I’m over it and I’m ready to rock and roll. No bullshit. But I did get pissed at the comment.

She said she didn’t mean it the way that I took it and that she’s just very scared and nervous right now because she’s not going to have a guaranteed pay check anymore and she’s going to actually “TRY” the 100% commissioned sales thang as well (she’s actually pretty good at it too…I got her into it and was leary about if she had the personality for it, but she’s pretty decent.)

Btw, I feel where she’s coming from because she has A LOT more bills then I do (i.e. in way more debt plus 2 kids.)

Anyway, I can definitely feel some stressful moments and some shit hitting the fan moments going on in our household while BOTH of us are self-employed. But hey…ya never get rich working for someone else, right?

Any advice is surely appreciated by the way. I’m off to bed…..she went to bed a half hour ago and I was down here figuring out expenses we could cut, other extra ways we could make money, figuring out the bills and figuring out how much money we’d prefer to have each month (so we could put 20% of it away for certain things plus pay the bills plus have a decent amount left over.) I’m not really a fan too much of working just to pay the bills. Makes no sense, eh?

Then I figured out with the 100% commissioned job what we’d have to do to make that money…….now all I have to do is fill as much real estate in as possible because I promised Kathy that I’d still do the other thing while getting my real estate up and going again, but once I started making consistent money in real estate that other thing was going to end. She felt better with that.

I just don’t want to hold myself back…..but I also don’t want her to get super stressed out because I KNOW that this must be really hard for her….I mean this is a whole new world for her so I want to kinda make the transition as easy as possible………ok I’ve rambled enough sorry……I’ll go to bed. Good night and Happy Halloween everyone!

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Random Ramblings

Laid Off! Stress! Bam!

I get a text from Kathy this morning telling me that she just got laid off. Now you need to understand that I haven’t technically had a “REAL” job for quite some time now and the last job that I had I got fired at the day before xmas in 2006. From that point on I went into real estate FULL TIME. Oh and I only worked at that particular job for a year and prior to that I was a full time licensed agent…so I was use to not having a consistent paycheck, so going right into real estate full time was cool for me.

Kathy on the other hand, has errr had a 6 figure income and has always had a job, job….always had a consistent pay check. So we just talked on the phone and she doesn’t sound as upset as I thought she would but I was telling her that now it’s a great opportunity for you. Just like when I got fired I saw it as a great opportunity for me and I was actually thankful. It may be a little harder for her to see things that way because all she knows really is her job. She is a senior clinical research person for pharmaceutical companies. She, of course, has a nursing degree and could always go back to being an RN if she wanted to.

But I do really hope that she realizes that she can make it without a job. I mean a f/t 40 hr. structured job. She does the same p/t thing that I’ve been doing the year I left investing……and I know she can make her same income with that if she really put her mind to it. I really hope she goes for her because I want her to see that if SHE works hard and is good with her money and pays the bills with it, etc. and invests portions of it every month on passive income, etc. that she may never need that f/t structured 40 hr. a week job again. I know that she’s not really of that personality type, but she is definitely getting the passive income thang…so she’s making progress.

I just told her that we had to come up with a budget, a plan and some goals to implement. And she just sighed. She hates when I talk about that stuff….it’s just not in her personality. I said but realize that you probably were holding yourself back in life because you refused to do those things in the past. She said “I guess.”

Oh and please don’t think I’m being hard on her…..I am very supportive of anything she chooses to do and I’ve been treading lightly today. I just want us both to be people that don’t rely on JOBS. I can tell you right now that I’ll be working my ass off even harder with real estate now.

You see when I got fired before my mortgage was about $500 a month and I had zero debt 🙂 So it wasn’t that big of a deal. It was just me and my 3 cats living at home. Very minimal bills so I didn’t have to do that much real estate to get by (and I know, I know, I shouldn’t have just been trying to “get by” but I’ve learned that lesson as well.) But nowww is a whole different story.

Our mortgage is wayyyy more than $500 a month, it’s not just me and my 3 cats anymore….it’s me, my 3 cats, Kathy, her 2 kids and her kitten. It’s a whole house and family! Soooooo definitely will be working more. I know that I can do it and make it happen, I just hope Kathy can figure out that she can do things too and make it happen.

I’m sure I’ll be getting a whole lot more stressed right now and that sucks because stress triggers heart burn and I’ve been doing so well without heart burn meds and not having heart burn. *sigh* I still don’t want to take meds but I really don’t want to feel stress because I don’t know how many of you have heart burn, acid reflux or gerd, but they gave me all of those diagnoses and let me tell you it doesn’t feel good…any of it. So I’m gonna have to try to keep the stress away.

Ok I gotta get a shower and get on the friggin ball.

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