The 2014 Ridiculously Awesome, Dammit Goals Manifesto & Budget

So, 2014. You’ve come.

2013 was a pretty crappy year.

On paper, yes, you look pretty good: I graduated college, wrote a thesis, met a really great girl, discovered the Timbers and Thorns, got a custom bicycle, organized a 24-hour event, and hung out with some (wizard) rock stars.

But I also: spent the entire year stressed about money, found statistically insignificant results, barely bike toured, hurt someone I care about deeply, quit a job after 6 weeks in, failed to get a fellowship I was really hoping for, and spent a lot of the winter fighting depression. So you kind of sucked too.

I was not sorry when you ended, 2013.

2014, however, is not going to suck.

2014 is the year of Ridiculously Awesome, Dammit Goals.

Ridiculously Awesome, Dammit

A few months ago, I decided to stop trying to pursue well-paid full-time jobs with benefits after being burned over and over again. I did the calculations and found I was spending enough time on applications and interviews with no results that I could get a much better ROI on my other projects. Not to mention that Making Cool Stuff is better for my mental health than Applying For and Not Getting Jobs. And you know what? My best years were the years where I prioritizing making things over making money and set absolutely ridiculous goals.

#millenialproblems
#millenialproblems

So, here goes, here are my Ridiculously Awesome, Dammit (RAD) goals:

  • 3 week, 8-city zine/speaking tour in April (with Steph!)

  • Producing my long-delayed youtube series, Transportini.

  • Fundraising enough to hire a decently compensated replacement zine librarian at the IPRC by 2015.

  • Releasing the world’s first-ever RPG zine library cataloguing game.

  • Traveling to Europe for a long bicycle & train trip (>4 weeks).

  • Releasing my bike fun advocacy compilation zine by March (as of yet untitled.)

  • Being professionally fluent in German by July 2015.

A lot of those are goals that don’t really cost that much money, just effort, that I can address in a separate post. But for the travel parts of that, here’s really ridiculous part:

Doing All of the Above without Going Broke or Getting Fired.

At the moment, I’m working four paying jobs and rotating series of freelance gigs. The entire budget and schedule that follows is based on the Idea That I Keep My Jobs. Which, as we’ve found, is never guaranteed in this day and age. Especially when you’ve got a bunch of gigs that keep you on as an independent contractor, because it’s the new way to not give your workers the rights and protections of employees all the while shifting the tax burden onto them. </rant>

Here’s the financial breakdown of my gross monthly income:

$800/month for 20 hrs/week of work at gig #1.

$600-800/month for 8-10 hrs/week of work at gig #2.

$160/month for 10-15 hr/week of work at gig #3 (yes, it is a meager stipend.)

$100/month for 1.25 hr/week of work at gig #4

__________________________________________

$1660 before taxes

 

Here’s the financial breakdown of my net monthly income:

$687 for gig #1 (regular employee, withheld taxes)

$480-560 for gig #2 (contractor, 30% put aside for taxes by me)

$120 for gig #3 (contractor, 30% put aside for taxes by me)

$100/month for gig #4 (under the table cash job)

____________________________________

~$1467 after the tax man collects his money

 

Here’s my monthly expenses budget, based on averages from the past 6 months:

$630 for rent/utilities/phone

$15 for health care co-pays (yay medicaid)

$50 for Roth IRA contribution (yea, I know it’s not much)

$13 for local transportation (advantage of working at a bike shop, free repairs)

$75 for beers/burritos/whiskey

$188 for groceries

$60 for random others including soccer tickets & camping fees

________________________________________

$1026 expenses not including savings

 

So, saving $441 a month for travel + whatever I bring in from freelance gigs.

 

My 3-week tour in April will cost $680 in airfare and Amtrak expenses, with an additional $400 budgeted for food/incidentals.  But I will also need to pay $730 for expenses back home/contribute to my IRA while not pulling in a paycheck (I do not have paid vacation.) I expect I will not earn more than $200 on the trip from honorariums and zine sales. This will wipe out my travel savings account by the end of March. Luckily, I do expect to get back about $200 from my taxes this year due my extremely low income last year (half the year I was in school not working very much.)

 

So if I’m gonna travel to Berlin for this conference I want to go to in July, when airfares are at their highest, I can’t expect to spend less than $1200 on round-trip airfare. My comfortable Berlin budget would be about $250 for 8 days, not paying for accommodation (lots of friends to stay with!) and subsisting off a diet of döner and beer but allowing myself to go out dancing a night or two.

 

Let’s figure I spend $1500 on travel to Berlin for 8-10 days. If I managed to get financial assistance to travel to this conference (which they have stated will be available but nothing about eligibility yet), I might be able to knock that down to, say, $1200.

 

Remember, I don’t have paid vacation, so at least $450 of my income will be gone from missing a week and a half of work – that’s the amount I’d usually save, so we’ll just count July as a lost savings month.

 

That means between April and July I need to save $1200. If I’m able to save $441/month in April, May, and June and not miss any days of work, I’ll be set.

Then, my travel budget will be wiped out to $0 again.

 

So, let’s talk about October.

So in October I want to leave on a 4-week trip bike touring and taking trains through Europe.

 

At this point, I should be able to get a free flight with my miles because it’s off-season and because I’ve got a fair # of miles in the bank. Let’s say I need $1000 in the bank to feel comfortable with this, just because going to Europe with less than that is sort of fool-hardy.

So that’s $800 I could save on my normal budget in August & September. So now, what do I do? Find $200 somewhere – it’s likely the extra $ I make with some extra freelancing gigs can make up the difference.

I hope.

Okay, that was exhausting.

In the end, this would all probably be a lot easier if I would just get a grown up job that pays a living wage instead of 4 jobs with no benefits and disproportionately high tax burdens. I wish those weren’t apparently mythical beasts.

31 thoughts on “The 2014 Ridiculously Awesome, Dammit Goals Manifesto & Budget

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    I hope to give something back and {help|aid} others ike
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    {A person|Someone|Somebody} {necessarily|essentially}
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    I {came across|found} this board and I {in finding|find|to find} It
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    {help|aid} others {like you|such as you} {helped|aided} me.|
    {Hello|Hi|Hello there|Hi there|Howdy|Good day|Hey there}!
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    {huge|big} thumbs uup {for the|for your} {great|excellent} {info|information} {you
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    {I will be|I’ll be|I am} {coming back to|returning to} {your blog|your site|your website|your web site}
    for more soon.|
    I {always|all the time|every time} used to {read|study} {article|post|piece of
    writing|paragraph} in news papers bbut now as I am a user of {internet|web|net} {so|thus|therefore} from now I am using net for {articles|posts|articles or reviews|content}, thanks to web.|
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    {Hi|Hello} there, {I found|I discovered} your {blog|website|web site|site} {by means of|via|by the use of|by way of} Google {at the same time as|whilst|even as|while} {searching for|looking for}
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    {Hello|Hi} there, {simply|just} {turned into|became|was|become|changed into}
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    {it’s|it is} {rare|uncommon} {to peer|to see|to look} a {nice|great} {blog|weblog} like this
    one {these days|nowadays|today}..|
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    {site|web site|website} in {internet|web} explorer, {may|might|could|would} {check|test} this?
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    but {good|great} topic. I needs to spend some time learning {more|much more} or understanding more.
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    looking for thi {information|info} for mmy mission.|
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  5. It was then that I realized that these kids have no chance; they are brainwashed into liberalism from the start.Shouldn teachers be neutral? How can students form opinions when their pedagogue is telling them what right and wrong? All of my peers in that class fell for what he was saying; they have no idea all the terrible results Obamacare will actually do for this country.Parents: Your kids are only hearing one side of the story. Ask them their opinion on this situation, instead of what my teacher is doing.High school: The mass production of young Democrats.Tea party proudI am a tea party member.

  6. Kaspersky estimated that by September that year, Stuxnet had infected over 80,000 computers in India. Another security firm, ESET, estimates that the virus even infected some computers in the US.. On the surface it not as insidious as daydreaming about Daniel Craig abdomen or the delicious way my nextdoor neighbor head would explode if I ran over her dog. It sort of melodramatic and romantic; I love to cast myself as the tragic victim.

  7. Because of the low pay and bad image, many aging services jobs serve as interim stopovers on a person’s career path. In fact working in aging is not looked at as a career. Mr. Moran could hardly contain his glee over the fact that has an 8.1 percent rate in the wake of Gov.

  8. The patient is currently in respiratory isolation in a hospital in the United States, and is receiving medical therapy for XDR TB. He has remained relatively asymptomatic, and his sputum smear results were negative for acid fast bacilli (AFB), both before and after his travel; however, his sputum culture results are positive for XDR TB..

  9. “It means that any given teacher is going to receive from 50 cents to $2 an hour more. For people on the $30 to $40 an hour end of life, that may not sound like much. Our legislation would not regulate the design or architecture of the Internet, or allow any government official to shut it down. It will be inexcusable if a massive cyber attack succeeds because Congress failed to act..And yet Mao Zedong remains the most honored figure in the Chinese Communist Party. At one end of historic Tiananmen Square is Mao’s mausoleum, visited daily by large, respectful crowds. Private detectives even impersonated the subjects of their investigation to get their personal phone records. The case prompted congressional hearings, and the company has paid $14.5 million to settle a suit brought by California attorney general.

  10. We shall extend support to all participating teams in the learning phase. The winners will be decided after two more rounds. Previously, a home or condo could cost no more than $254,250 for the potential new owner to qualify for up to $50,000 in assistance. But with the skyrocketing housing prices shoving the median home price to nearly $500,000 in Collier County, single family homes in that price range are hard to come by.

  11. This is a pretty good crowd for the starting session on a Wednesday. Today, on this chart, we’re going to focus on education, obviously. Instead of masks, he said, most Pittsburghers should take the same precautions against swine flu that they would against an ordinary seasonal flu. The only paint masks which would come close to offering any kind of protection from the Swine Flu are N95 rated masks which are the same grade as professional surgical masks..Leaked screenshots of a “Healthbook” app rumoured to be landing on iPhones later this year show categories for such this sort of data and more. Some tabs such as “Activity” and “Weight” could be fed by internet connected gadgets but others (such as “Bloodwork”) seem like they would have to rely on professional health care workers for their input..

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  13. I am assuming the current system is working and there is enough oversight that the board chose not to include any changes to the existing language in their proposal that touched on almost every section of the contract. I apologize for emphatically stating that you were wrong without reading the contract, but trust me that language is not the norm.

  14. Made a mistake and we need to get this right, Wilf said Wednesday. Is important to always listen to our fans, the community and our sponsors. AIR FORCE ACADEMY, Colo. The Air Force Academy in Colorado has set up an outdoor worship area for followers of Wicca, Druidism and other Earth centered religions.

  15. Aunt Christine, don’t you think this is the legacy of your generation’s creation? Because of the actions the women before us took, we came to believe we could do it, have, be it. We didn’t invent this, but we are trying to figure it out. Government officials in this country have generally voiced lilttle interest in mandating flu shots.Linda Haslam Stroud, president of the Ontario Nurses Association, says the union does generally endorse flu vaccination, on a voluntary basis. She notes the vaccine is not devoid of side effects, including rare cases of Guillain Barr syndrome, which can cause temporary paralysis.”We have members who have taken the vaccine who will never work again, and not just in nursing,” she said.Dr.

  16. Those cables were only the beginning. A few days later, on February 1, 2008, an undersea FLAG Falcon cable in the Persian Gulf was cut 55 miles off the coast of Dubai. Depression can come and it can go with a few months treatment of anti depressants and it can even pass without medication if therapy or self help is applied. This particularly applies to mild to moderate depression.Kathleen Vinehout trail far behind, with 8 and 6 percent respectively.Falk’s campaign issued a news release shortly after the poll results were announced Wednesday in which communications director Scot Ross said, “the establishment, pundits and politicians have counted Kathleen and this movement out from the beginning, but it’s the people who will decide this race.”In a head to head race with Walker, Barrett leads by one percentage point, 47 46, among all registered voters, while Walker holds a one point lead, 48 47, among likely voters. Both are well within the poll’s 3.8 percent margin of error.Against Falk, Walker lead by 7 percentage points, 49 42.Barrett hailed the results as evidence of his momentum, noting in a release that he closed the gap “despite being vastly outspent and targeted by millions and millions of dollars from Scott Walker and his right wing special interest allies.”Ciara Matthews, communications director for Walker’s campaign, pointed out that he won by a wide margin in 2010 and is “confident that because the positive effects of his reforms continue to create more jobs and keep more money in the pockets of taxpayers, voters will reaffirm the decision they made a year ago.”Walker’s approval rating was 47 percent.

  17. Read reviews. Consumer reviews can be helpful, but they may have little value when they disagree to a wide degree. Buying credit cards now is like going up to your local gas station and buying a soda,” said the merchant, who was speaking on condition of anonymity.Experts say that those involved even operate under minimal cover, selling credit card details, names, addresses and passwords. “It’s all for sale online, if you know where to look,” said Brian Krebs, one of the leaders in research into the online black market.The former Washington Post reporter, who now runs his own internet security blog, added: “I can point to 22 different sites that are selling stolen credit card data right now, and those are just the sites that I know of.There are plenty of places where you can buy that kind of thing.”He put the industry’s growth down, at least in part, to an increase in the availability of what he called “crook to crook services”; people with technical expertise being paid to help those without it.”That would cover services offered by those in the community to those who want to be,” he said, adding: “For a small amount of money, you can set yourself up in business, selling stolen personal data.Don’t use too many custom themes unless you have a lot of power in your computer. Goto Control panel, Systems, Advance, under Performance, click on settings and check ‘Adjust for best performance’, then go down list and check, if you have XP, ‘Use common tasks folder’ and ‘Use drop shadows for icon labels on the desktop’, then, you can adjust anything else that might make it easier for you to do things but don’t got for quality, trust me, youc an edit the colour of you windows which can still look really good by right clicking on the desktop, Properties, Appearance, Advance and edit the colours and looks.

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