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DH Got a Job Offer

February 28th, 2012 at 07:00 pm

Not one he applied for, just one that was offered to him. And it's not what I would consider all that great, just good. Where he's at he has work for 2 to 5 years at a high rate of pay. He's finally on a 2 on 2 off schedule. The medical benefits aren't great but they are decent. The 401K has no match at all, but it exists. The yearly bonus is 5% of gross pay for the year.

The other job would be a pay cut. It would be a step backwards in the work he does as well. There'd be no guarantee what type of schedule he would work but it would likely be back to 3 on 3 off or 4 on 2 off. No idea about bonuses. The benefits are excellent, top notch for the industry. And the 401K is really, really good. Plus it is an almost unheard of type of job security in his industry. Basically he'd be set for the rest of his life in this company and barring something really stupid, never have to worry about his job again. And he could move up to what he's doing now if an opening came up.

The thing is, if we were out of debt I would seriously consider it. So would he. Just for the security. We already live on less than half his income, the rest goes to debt repayment. We had a good talk and we are even more determined to finish paying off our credit card debt this year and get the house fixed up enough to sell it. We sell the house and we dump the money into paying off the car and whatever is left we start saving for the downpayment and college. Then we are debt free completely and cashflowing college.

My mother has been intimating that we should just stay here at least until my sophomore graduates from high school. Mom may drive me crazy sometimes, but I worry about her being on her own, and not sure she could afford to heat this house without us paying the gas and electric, plus we pay the garbage and internet. If we move out I'd want my eldest sister to move in again. Mom's not ready for assisted living, but she does tend to forget to drink water and gets herself dehydrated, especially in the summer, and she does fall a lot even if she's never seriously hurt by it (strong bones).

We are also talking about getting a smaller house possibly when we do buy so we can have a smaller mortgage. Just a three bedroom instead of a four. After all DD will be going to college and she may need a place to crash during summers, but after graduation she plans to go teach in Korea, so she won't need a permanent bed to come back to. The other thing I have considered is that setting her up in a small one bedroom somewhere for the summer, or having her stay at with my mother, might be cheaper than taking out a bigger mortgage for a bigger house. I just don't know, but it is something to consider.

Plus, DS will start college the year after she finishes so is there really any point in having a large house at this stage in our lives? I mean, all a large house really does is encourage adult children to move back in. (Yes, we are a case in point, I realize that, but our reasons were medical and medical debt, not just because it's easier). I suppose that is enough musing for one night.

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