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Finding Balance: Transitioning to New Work Schedules

July 17, 2024 Change can be scary. Going into Project Money, we were well aware that we would have to do a 180 if we wanted to correct some habits that have been leaving us in a position of feeling underwater.Recently, Cory had a change in his normal third shift and found a job where he will now be working first shift. Exciting, yes! We all are excited to rekindle those missed family moments at night. I (Je’Lisa) will be starting a new role where I will be taken away from my very remote work to working a flex scheduling, working in the office about three to five days a week. This transition for us both would be easy if we had more than one family car. I hate to say it, but before this program, we would have just tried to make it work because having a car is a NEED without looking at other options. This is the first time our family has been without two cars due to some unfortunate events from November, having both family cars totaled out. We were lucky in the sense of physical health, but mentally it left us in disarray. Now, our first go-to was to say, “Can we afford another car payment with the current interest in the market? “ The new change has led us to sit down and strategize some options?” Option 1: Use our one car for drop-offs and pick-ups. Option 2: Finance another vehicle. Option 3: Find a private owner to pay cash from our emergency savings. Cory and I had thoughts of taking the money from our emergency savings, because why not? Isn’t this an emergency? But turns out it was my impatience talking (surprise, surprise). We chatted with our financial coach, Mee, who was very supportive and understanding. Mee was able to give us some insight about private loans and the great rates that Summit has to offer. After talking to Mee and putting a microscope on our money management behaviors, it was clear that we should not rush into a decision but work with what we have. To elaborate a bit more on our money management habits: In the past, we have found ourselves frequently making big unnecessary purchases such as vacations or financing cars without looking at our available money after our income and expenses. This has led us to rely heavily on high-interest credit cards for the bulk of our family needs and/or expenses. With such high interest, it felt impossible to get ahead – no matter how much we paid towards overdue balances. Overall, this created a cycle of poor decisions driven by impulse and impatience. Our decision isn’t final, but we are open to work through our options. You might also be interested in As we wrap up our Project Money experience, we want to take a moment to reflect on how far we’ve come—emotionally and financially—and share our journey... This past week, our family participated in a door and patio decorating contest hosted by our apartment management company. The grand prize? A $200 gift... Over the past year, my family has been making deliberate choices to save money and focus on our financial goals. One of those decisions recently involved... As we approach the end of our journey with the Project Money program, Cory and I (Je’Lisa) took some time to reflect on how we can apply the financial... Every now and then, life throws a financial curveball—in this case, it was a pleasant surprise. We received a refund from our gap insurance since our car... This week, we faced an unexpected hiccup with our insurance: A doctor charged us for a 2023 appointment because they had outdated information. It was frustrating... Thanksgiving is a time for gratitude, family and of course, a feast. But let’s be honest, hosting a traditional Thanksgiving can come with a hefty price... This weekend, we decided to take a quick overnight trip to Minnesota. It was to record some music and spend time with friends, but we were determined to... This month marked a milestone for our family: It was our first month without a car payment after refinancing our vehicle through Summit Credit Union. With...
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