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Archive for February, 2014

cobra coverage=$$$

February 27th, 2014 at 12:01 am

Thanks for your insights. The job thing worked itself out without me having to say a thing (which, incidentally, seems to be the best policy around my workplace lately anyway). I'll be starting 30 hours a week next week, which is just perfect for right now.

SO is having complications from type 1 diabetes and found out that he will need to have eye surgery next month. We are getting a second opinion later this week.

It makes sense for him to choose Cobra coverage for now, since he has to have this surgery and has already reached his deductible. I won't get health insurance through my job until April. The cost of Cobra is absolutely prohibitive for me. After being unable to register on the MNsure website today, I filled out a paper form and will wait for them to send me information. If something terrible happens between now and April, I can still backdate my Cobra.

I was about to head to Trader Joe's after work today, but I knew shopping with a hungry stomach would be a bad idea, so I went home instead. After updating YNAB, I realized that if I hang in there until March, I will actually be *under* my grocery budget this month! So I think I'll wait. Nothing is pressing, so I can hang on for a bit longer!

This winter is really a long one - I can't wait for spring, especially with the seed catalogs are already filling my mailbox!

job hours

February 18th, 2014 at 02:32 am

My boss wants me to increase my hours. The desired amount of the increase seems to change from week to week. Right now I work 20 hours, and could go to 30 or possibly 40. Boss asked if I would do 40 today. No talk of a higher salary.

Pros of 30:
- get benefits at a lower cost than I would at 20 hrs
- extra free time and ability to visit family on short notice (which I value intensely since my layoff and family illnesses/deaths)
- more time to apply to other jobs and interview

Cons of 30:
- can't cover the mortgage
- will I be viewed as lazy by society at large? (do I care?)
- if I need to increase my hours down the road, they may not go for it

Pros of 40:
- more money coming in
- looks better on a resume
- get benefits at a lower cost than I would at 20 hrs
- we need all the money we can get since SO is out of work, even though it would barely cover the mortgage
- I could conceivably support myself if necessary

Cons of 40:
- I don't think I like where the company is going (and my job satisfaction has greatly decreased)
- Boss sometimes makes me uncomfortable
- Less free time
- Would it really be 40 hours, or more? Weekend expectations?
- More exposure to in-fighting among coworkers
- Would likely greatly upset a difficult coworker whose hours and benefits would get cut so mine could be increased
- I'd be making what I was making in 2001, which frankly is not great. If I'm working full time and exchanging my precious free time, I feel like I should be making far more than that. I guess I justified 20 hours a week at this salary because I could balance it with my free time.

Making this list helped clear my thoughts a bit, but I'm still torn.

35

February 13th, 2014 at 11:42 pm

I turned 35 last week, and it's throwing me for a loop. Ordinarily I love birthdays, but this one just felt odd. I already felt like something - maybe several things - really needed to change once 2014 turned over. Shouldn't 35-year-olds have it together?

So I decided a few things:

- This year will be make-it or break-it with SO.

- I need a career. Like an actual, bonafide career. I love doing research. I'm a great administrative worker. I have a bunch of creative talents. I'm friendly and kind, but dealing with a constant stream of people drains me. I'd love to do something that specifically helps women. I need to make enough money to support myself and save for retirement. I'm not sure how to mash all of those things together yet.

- I need to start doing more out in the world. Volunteering somewhere, taking a class, maybe joining an orchestra again, finally attending a vegan meetup group - something (or many things). I need to make more plans with the friends I've got, too.

I've got 47 levels of stress and am working on centering myself to deal with it all. I've started doing five minutes of yoga every morning while my tea brews. I'm learning about chakras. I imagine the stress leaving the top of my head and my stomach calming whenever things feel out of control. I think it's helping.

And now for my bizarre story of the day:

My dental hygienist (whom I adore and have been seeing for 10+ years) gave me a lengthy lecture today on how my eggs are getting old and I had better freeze them before I turn 38. I gently told her several times that I'm not sure I want kids, but she persisted. I have good genes, blue eyes, a good figure, and that would all go to waste, she said. Then she suggested that I freeze half my eggs and donate the other half to her. I could be the child's godmother and take the child should she die soon. *CUE CRICKETS* She revealed that she had just paid $20,000 for an egg donor. I'm not sure why she would want my old eggs, in that case...