17.07 an hour tonight, 32.5 miles, 3.5 hours.
Might get my 15 hours and maybe more next week.
You might be interested to know that we aren't going to be putting this money in our snowball right away. My wife is a Educational Assistant, so no income from the school during the summer. She does find other work for the summer, but its kinda rare to find anything that matches her regular income.
As of this point, she has not found a summer job(s) yet. Take those two item and it adds up to potential income shortfall this summer.
Crunching the numbers shows we should be OK til mid-July, but after that, things could get sticky depending on the employment situation, so we're saving my pizza money just in case. We also have some income from some property that could help tide us over, but we'd rather not use it if we can, we like to save it for our future investments. I know thats not the DR way, but its what we want to do.
Saturday, May 31, 2008
Friday, May 30, 2008
Friday May 30th
Worked the lunch hour today. Nothing spectacular, funny, sad, etc. 3.5 hours, averaged 15.64 an hour. Washed lots of dishes. Did most deliveries in the first couple of hours. I'm the new guy, but it seemed kinda slow for the friday lunch hour.
Taking delivery
One of Dave's favorite pieces of advise is "get a job delivering pizza's, and make an extra thousand a month". Now, I didn't take this seriously. Until I read "My Pizza Delivery Blog" on the My total money makeover forum, by Patrick. Then I searched for other pizza delivery blogs on the net (lots of bitter drivers, BTW).
So first place I apply is at a national chain. Hey yeah, they're looking for a couple of drivers (looking at the schedule recently, it looks like they hired 4). So I go through the application process, drug test, and orientation, and my first few days on the job. This took about 3 weeks.
So, my first day on the job is on a Wednesday, right before Memorial day weekend. I'm just doing ridealongs with another driver, and learning the "other" duties-box folding, dishwashing, prep work.
My ridealong driver, D, was the quiet type, but willing to speak when questioned. He let me do a couple of deliveries, and keep the tips ($7.00). Offered him 5, since it was his car, and his gas. He waved it off. Good guy. He also got stiffed on a big order to a corporate office paying by CC.
Friday night, I'm doing a few deliveries with another driver, B. Do a few deliveries with him watch, but no tips for me.
Then I'm cut loose.
I do 7 deliveries. Only one is notable in that they said the order was wrong, so per policy I offered to call the store. Her response was "oh no, we need to eat". So back to the store I went. By the time I get there, she's on the phone talking to the manager. I gave him my side of the story, and he just says to call the store anyways, next time.
Average is 12.52 an hour that night.
Saturday! 7 trips again, in 4.5 hours. Includes a couple of long trips. On the same trip, one was a bogus order, they didn't order and the number wasn't in service, and then the next order on the same trip, I ran into a kind of humorous situation, except I got stiffed.
The family had decided to open their pop up camper, and apparently, while the lady who ordered was in it, her son decided to play a joke on her and used a double ended snap hook to lock the door. Problem was, the hook barely made the distance between the hasps, and he couldn't get the snap hook off. That's the scene I came upon. So the lady just sticks her arm out between the door frame and canvas, asks for the CC receipt, sticks her arm out again and asks for a pen. Sticks the receipt and pen out again, no tip. I helped her get out anyway, by pushing on the door frame to draw the hasps closer. Anyone who has had a pop up camper knows how "loose" the door frame really is. Averaged 13.52 an hour.
Sunday, another 7 trips, one free delivery cause a previous order (not mine) was wrong. One trip to my brothers house, nephew answered door, and gave a generous trip-I don't know if it was because he was surprised to see me, or if it was a regular tip for him.
BTW, my brother is one of those people whom Dave Ramsey is referring to when he says "Don't give me financial advice, You're broke". 4 bankruptcies in the last 20 years or so, including one last year. Their newest home is being foreclosed on this fall. So they moved to a different house, still a very expensive one in a very expensive neighborhood, and a hummer parked in the driveway. How do they keep getting this stuff?
Averaged 15.26 an hour. Not bad at all!
So first place I apply is at a national chain. Hey yeah, they're looking for a couple of drivers (looking at the schedule recently, it looks like they hired 4). So I go through the application process, drug test, and orientation, and my first few days on the job. This took about 3 weeks.
So, my first day on the job is on a Wednesday, right before Memorial day weekend. I'm just doing ridealongs with another driver, and learning the "other" duties-box folding, dishwashing, prep work.
My ridealong driver, D, was the quiet type, but willing to speak when questioned. He let me do a couple of deliveries, and keep the tips ($7.00). Offered him 5, since it was his car, and his gas. He waved it off. Good guy. He also got stiffed on a big order to a corporate office paying by CC.
Friday night, I'm doing a few deliveries with another driver, B. Do a few deliveries with him watch, but no tips for me.
Then I'm cut loose.
I do 7 deliveries. Only one is notable in that they said the order was wrong, so per policy I offered to call the store. Her response was "oh no, we need to eat". So back to the store I went. By the time I get there, she's on the phone talking to the manager. I gave him my side of the story, and he just says to call the store anyways, next time.
Average is 12.52 an hour that night.
Saturday! 7 trips again, in 4.5 hours. Includes a couple of long trips. On the same trip, one was a bogus order, they didn't order and the number wasn't in service, and then the next order on the same trip, I ran into a kind of humorous situation, except I got stiffed.
The family had decided to open their pop up camper, and apparently, while the lady who ordered was in it, her son decided to play a joke on her and used a double ended snap hook to lock the door. Problem was, the hook barely made the distance between the hasps, and he couldn't get the snap hook off. That's the scene I came upon. So the lady just sticks her arm out between the door frame and canvas, asks for the CC receipt, sticks her arm out again and asks for a pen. Sticks the receipt and pen out again, no tip. I helped her get out anyway, by pushing on the door frame to draw the hasps closer. Anyone who has had a pop up camper knows how "loose" the door frame really is. Averaged 13.52 an hour.
Sunday, another 7 trips, one free delivery cause a previous order (not mine) was wrong. One trip to my brothers house, nephew answered door, and gave a generous trip-I don't know if it was because he was surprised to see me, or if it was a regular tip for him.
BTW, my brother is one of those people whom Dave Ramsey is referring to when he says "Don't give me financial advice, You're broke". 4 bankruptcies in the last 20 years or so, including one last year. Their newest home is being foreclosed on this fall. So they moved to a different house, still a very expensive one in a very expensive neighborhood, and a hummer parked in the driveway. How do they keep getting this stuff?
Averaged 15.26 an hour. Not bad at all!
It begins
This blog is going to be about getting out of debt, and what we are doing to accomplish this.
In April 2008, I read Dave Ramsey's book "Total Money Makeover". This inspired me to GET OUT OF DEBT!! We have 223K worth of debt, including 2 mortgages. 89K of this is in various credit cards, car loans, and other debts.
Who is Dave? check out www.daveramsey.com
Dave has has a daily talk radio show, and daily TV show, which is aired on Fox Business Network.
Dave advocates a seven step program. You can read about the 7 steps on his website, so I won't repeat them here. He does come into some criticism because his method of paying off debts consists of paying them from smallest to largest, regardless of interest rate. The idea behind this is that early payoffs will inspire you to keep going, and give you more to pay towards the next debt. By using the payment from the first debt you just paid off, and the mininium payment from the current debt, you pay off the current debt faster. You keep repeating this, adding the previous payments you've been making on previous debt to the current debt. This is called the debt snowball, cause as it rolls along, the payments get bigger and bigger. Your remaining debts stay at minium payments until you get to them in the debt snowball.
Really simple, ok?
This is called Baby Step 2, and I'd say its at the heart of this program.
If I had to pay off my largest debt (24K on a CC), I know I'd drop out after a few months and go back to my bad spending habits.
BTW, you don't need to buy ANYTHING from Dave to follow his program. You can find his book at your local library (but don't be surprised if there's a waiting list), and follow his baby steps.
In April 2008, I read Dave Ramsey's book "Total Money Makeover". This inspired me to GET OUT OF DEBT!! We have 223K worth of debt, including 2 mortgages. 89K of this is in various credit cards, car loans, and other debts.
Who is Dave? check out www.daveramsey.com
Dave has has a daily talk radio show, and daily TV show, which is aired on Fox Business Network.
Dave advocates a seven step program. You can read about the 7 steps on his website, so I won't repeat them here. He does come into some criticism because his method of paying off debts consists of paying them from smallest to largest, regardless of interest rate. The idea behind this is that early payoffs will inspire you to keep going, and give you more to pay towards the next debt. By using the payment from the first debt you just paid off, and the mininium payment from the current debt, you pay off the current debt faster. You keep repeating this, adding the previous payments you've been making on previous debt to the current debt. This is called the debt snowball, cause as it rolls along, the payments get bigger and bigger. Your remaining debts stay at minium payments until you get to them in the debt snowball.
Really simple, ok?
This is called Baby Step 2, and I'd say its at the heart of this program.
If I had to pay off my largest debt (24K on a CC), I know I'd drop out after a few months and go back to my bad spending habits.
BTW, you don't need to buy ANYTHING from Dave to follow his program. You can find his book at your local library (but don't be surprised if there's a waiting list), and follow his baby steps.
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