Wednesday, July 28, 2021

And...I'm still good.

 

24 hours later and it still feel the relief and peace about understanding the “why.”

It’s natural to look for work arounds, or justify, or find a way to make it work, but at this point, if there is a future in our friendship…relationship, it will be from her. I want to fight for her, I know I’m worth it, and I know she is worth it.  BUT…it has to come from her.

I know I did the right thing in having the discussion early.  In hindsight I could have done more and been better about this issue.  There are some other topics that I danced around that if given the opportunity I would address head on and clear the air…something I won’t mess up “next time.”

How do I approach this same subject with the next girl in my life?  It took 7 years to find someone that would go on a second date?  NOW…I’m geographically challenged and limited with my standards…

Lower my standards…move to a better location…or be fine with being alone.  The later is not an option, no man (or woman) should be alone.  It’s not healthy but life needs to be shared to be fully enjoyed.

I like my job, mostly for the income and benefits, but the schedule is pretty sweet.  When I’m on shift, I only work 14 of the 28-day schedule…it gives me plenty of time off and I can get a lot done.  This next year, I hope to pick up a lot of extra shifts and pay off my debt.  If I’m not working, I really need to stay busy and NOT spending money.

So, lower my standards?  Not necessarily “MY” standards, but maybe be okay with dating someone that’s not LDS?  I just don’t know?  Its so easy to take a step in that direction and all of the sudden find yourself…not yourself?

Move?  That’s probably my most logical choice?  I think if I work this location hard for the next 2-3 years, I’ll have choices?  I would love to be back to Arizona…kids are there, lots of friends, options to date, adventure everywhere, and accessibility to anything I want? 

Idaho, lots of unknows, but I could potentially transfer there under Williams and maintain that employment.  Arizona won’t have that option?  Whitey and his family are there, weather is great, great options for adventure and dating, but so far away from family and social comforts?

Utah…probably the lowest on my list.  But there are lots of pros…dating, adventure, close to transportation to AZ…possibly transfer with Williams??

Colorado is an option for work, and I could get paid pretty well, but no comforts of family and friends.

Right now, I’m locked into Kemmerer/Opal.  I’m happy with that and know the risks, rewards, consequences, dangers, and blessings.

Wednesday, July 21, 2021

Hope is a dangerous thing...and the amount of velocity and the direction it can take you is also dangerous.  Well, maybe dangerous is an extreme way to describe it, but I took extreme measures in the last week to better my situation.  I'm not going to lie...I hope that it helps me show my fighting devotion to Jesika.  Right now, it's the driving force behind my resolve and show to myself and hopefully her that fighting for us is just not sitting back and wishing, praying, and waiting.  It's action with a plan, specific details with goals...thresholds…and an end game.

 

Bryan’s Business Plan to Remove ALL debt

 

Total Debt

Discover                                            $7420  - This amount can be settled

Student Loan 1*                                $3184.22 – no settlement available

Student Loan 2**                             $18977.30 – no settlement available

Back Child Support                        <$15,000 – no settlement available

                                                           __________

                                                          $44581.52

As of July 23, monthly income   $3800 (expected)

Monthly Expenses                    $1600

·         Water/sewer     $150

·         Internet             $70

·         Electric             $100

·         Gas                     $100

·         Nelnet **            $289

·         Sirus                   $7

·         Apple                  $15

·         Tithing                $420

·         Pioneer*             $100

Moving into family guest house. Going to increase my hours per week and this fall I should be receiving a moderate pay increase.  I should be able to make $3800-4200 every 4 weeks.  Planning to have $800 go directly into 1st Bank and the balance and all bonuses to go into my Wells Fargo account.  I’ll maintain a $1000 balance in Wells Fargo for emergency but use the balance to pay down Back Child Support and Discover.  Every two week, 60% of the balance into the Wells Fargo account will be sent directly to Back Child Support while the balance will be saved to push for a favorable settlement with Discover.  My guess, I’ll need $5150 to settle, which would save me $2270.  Which ever is paid off first, then the balance will go towards the later.  A & D are paid off, then I’ll knock out Pioneer with a single payment and hopefully a settlement.  Then it big account of Nelnet will be that last and hopefully $2500+ will be used until I’m debt free.

 

Every 2 weeks                   $800                                      à 1st Bank (Expenses)

                                                $Bal & all bonuses           à Wells Fargo (Pay off Debt)

 $2000-3500 a month will be put towards Debt

$2000/mo – 22.3 months

$2250/mo – 19.8 months

$2500/mo – 17.8 months

$2750/mo – 16.2 months

$3000/mo – 14.8 months

$3250/mo – 13.7 months

 

ITEMS I COULD SELL TO EXPIDITE DEBT????

·         VW Bus - $3-$6K pending on when & how

·         Cello - $1000

·         Bike/Trainer/rack - $800-1000

·         Bed/Headboard - $250

·         Guitar - $750