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I will possibly be changing jobs May 1st. I am thinking about accepting a position at a smaller school that is closer to my home. I will be dropping pay quite a bit, but the hours are better and it's not so far from my house. What will I need to change or cut down on if my pay changes? I really want to accept this position; I just need to know if I can financially do it.
Your income: $1684.00 monthly Will drop to $1240.00Dh/SO's income: N/A
Other income: $1,100.00 monthly in childsupport
~Rent/Mort pymt: $1025.00
~Home gas: N/A
~Water: Included in rent payment
~Internet: Included in Cable
~Home phone: N/A
~Cell phone: N/A
~Other household items: $100.00
~Medical expenses (co-pays, prescriptions): N/A
~Car gas/transportation expense: $240.00 Will drop to $200.00~Car maintenance: N/A
~Car insurance: $86.00
~Other insurance: N/A
~Child care: $315.00 already deducted from my income Will be $0.00
~Other baby expense ______N/A_____:
~Eating out: $400.00-Eat out alot because I work until almost 7pm and can't cook dinner. Working on cutting this down as we speak!~Entertainment: N/A
~Spending/pocket money: $100.00
Debts-Please list minimum payment, amt you usually pay, balance, interest rate. If you are past due or have special financing (0% interest), please indicate that as well.
~Car payment #1: $315.00- 9% interest rate- need to refinance as stated in divorce decree but haven't yet.
I would def. cut back on the eating out part and is thte $100 spending $$ for the month??
I would refinance and see if you can get a loweer car payment. but also remember if you stop from eating out you will need to count in groceries. I would coupon and shop discounted stores for as much of the groceries that you can.
Good luck in your decision. I think it would benefit all around.