I havent been online in a while. Seems I have too much to do lately. Work is keeping me busy. I'm not complaining. I like having something to do plus it provides a service to people and they count on me. So many people are doing without a paycheck or job nowadays so I'm content.
The post office is asking for VER voluntary early retirement. I cant access my retirement savings until I'm 59 1/2 without a 10% penalty, I dont qualify for social security until at least 62, I cant get my postal pension without a 5% penalty for each year under age 65, that would mean a 50% reduction in wages. Its depressing news since I was hopeful to retire at 55.
Its not like I have anything else to do, no hobbies or such to pursue. I dont have a need for travel, dont really have anyone to share that with me.
My 38 yr old daughter and 1 yr old granddaughter have moved back in with me. My daughter is having trouble finding a job as she has no marketable skills. She hopes to go to school for medical transcription. That will take 6 months to accomplish. In the meantime, we figured out it will cost her 400$ a week just to go to work: Day Care is 150$ a week, theres the car expense, buying one plus insurance plus gas, need for work clothes and shoes.
I figure she's better off staying at home because even at 10$ an hour, income tax and social security will take a percentage of that paycheck and she cant come out ahead. By going to school it will buy her some time for the baby to become older and that may cost less at the day care plus she will spend more time with her instead of strangers raising our baby.
I'm concerned about the economy so no big Christmas expenditures this year. Besides any money we get goes for diapers and maybe a used car. The baby daddy is whereabouts unknown so no help there.
The most difficult thing is that I can afford my own bills but not pay for someone else's expenses.
