I am taking a year off from booking any major trips. While this is dampening to my roaming spirit I, unfortunately, have to go back to being a grown up for awhile. I went just a bit nuts with my credit card in 2017. I was going on trip, after trip, after trip. It was a great year, but now its time to pay the piper…to the tune of $11,000 in Venture card debt.
Sooooo that’s where I’m at financially. It is depressing. It is nerve wracking. It is frustrating. But, I have a plan. I work 3 nights a week at a restaurant. In the upcoming week I return to my seasonal golf course job. At the golf course, I work 2 nights a week and one weekend day.
The plan is to put 90% of my golf course earnings and 60% of my restaurant earnings on my credit card payments.
Going off of last years earnings at the golf course (I only worked Saturday lunches and Sunday dinners). I made between $40-$120 in tips on a 5 hr shift, plus minimum wage. My checks were only $120, though.
So, 4 weeks in a month, going off the lower end in tips (I am being very conservative on my estimation), that is $160 from tips and $240 in checks. That’s about $400 from the golf course, which to be fair, it will be more, as this year I am doing at least 3 shifts a week there, if not more, but we’ll say $400 for this conversation.
Then I have my other restaurant job, where I make from $80-$200 a night on a five hour shift. I’m gonna average it out and say $135. I work 3 nights a week, so that’s $405 a week, around $750 a paycheck. I should easily be able to take $800 a month from that job.
If I make $1200 payments I should have that bitch paid off in 9 months! Nine. Months. That’s October 2018. That’s amazing.
I was feeling defeated and overwhelmed by the strain of this debt. My credit rating went from a 796 to a 600, which was devastating as I worked so hard to get it straight in the first place. When I finally sat down and did my budget, I realized I can do this.
Did I mess up? Yes. Hell yes. Will I make it right? Yes. Hell yes. As soon as it is paid off, I mean, THE SECOND, I am buying my RV.
I don’t care if I don’t have a truck yet (this was the reason I kept booking trips, I convinced myself that lack of a truck was holding me back from getting my RV). I can’t put off my dream any longer. I want so badly to wander the continent from the comfort of my own travel palace.
I want to spend winter nights out at Curt Gowdy, owning the park while the summer campers have all vacated. My soul is at peace when I camp, and we have such beauty so close to us that I can take all kinds of mini trips through out Wyoming and northern Colorado while I work to pay off the trailer and truck. After that I want to hit the road for longer, more elaborate trips.
Camping by a lake is ideal. One day soon, camping by the OCEAN will be a real possibility in my life. Water has always revived me. I draw strength, inspiration, and inner tranquility from the ocean waves.
I can’t wait to decorate it how I see fit. I even want to repaint the outside. I don’t want it to scream single lady camping here, but I can make it cute! I’m going to make it my true oasis from the world. I want it done in predominantly greys so I can change out the accents as I see fit. Currently I am in absolute love with teal, dark reds, and lime greens. I have already started purchasing some items to decorate it all up.
As I can’t plan any exotic locations for at least 10 months, I’m looking to scout out some local things to check out. We live close enough to a few cool hot springs and waterfall spots so hopefully I will still have things to post about.
This is going to be the best. I am excited for my future.
PS…there absolutely will be travel this year though. In 2017 I paid for a trip to New Orleans for October 2018. I am going to Eureka California in a few months and I also booked our Denver Comic Con hotel last year. So I do have those things to look forward to in the upcoming year.
UPDATE: 8/10/18– I got my trailer!! Still paying off that card and still being fabulous!!