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Working Massive OT

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Dice144

Senior member
Working massive overtime right now. I just closed on a house in July. Fighting myself to not buy toys and keep adding extra chunk to mortgage every month.

Part of me says it would be wiser to invest more in stocks and put less on house. But the appeal of being mortgage free in 7-10 years is nice.
 
whats the interest rate on the mortgage?

while it would be nice to close out the mortgage early, it is likely better from a tax standpoint and an expected return standpoint to invest in tax-deferred accounts first and pay extra on the mortgage second.
 
I feel you. I recently finished working 80 days straight, averaging about 15 hours a day. The only money I spent was on food because I didn't have the time for anything else. I said enough was enough and dropped one contract that was killing me. That allowed me to rest 2 days. But I picked up two additional contracts two days later so my workload is back to crazy again. I need to learn how to say no.

I've been mortgage and debt free for several years already. I don't know why I'm still killing myself.
 
ponyo said:
I feel you. I recently finished working 80 days straight, averaging about 15 hours a day. The only money I spent was on food because I didn't have the time for anything else. I said enough was enough and dropped one contract that was killing me. That allowed me to rest 2 days. But I picked up two additional contracts two days later so my workload is back to crazy again. I need to learn how to say no.

I've been mortgage and debt free for several years already. I don't know why I'm still killing myself.
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Need to be able to afford those chicken wings. 😛
 
ponyo said:
I feel you. I recently finished working 80 days straight, averaging about 15 hours a day. The only money I spent was on food because I didn't have the time for anything else. I said enough was enough and dropped one contract that was killing me. That allowed me to rest 2 days. But I picked up two additional contracts two days later so my workload is back to crazy again. I need to learn how to say no.

I've been mortgage and debt free for several years already. I don't know why I'm still killing myself.
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What the heck do you do and where can I work that much so I can be debt free as well?!
 
I've been working 7-days a week ever since my coworker quit almost four weeks ago. Open-to-close 12 hour days except Sunday which I still work 11:30AM-to-7:30PM: I barely have enough time to make this post.
 
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I paid off all my debts before buying the house. When I had 15k saved I then went looking for a house. (va required zero down).

Got a VA backed 3.5% 30 year mortgage. No prepayment fees.

Already got 3-4 months worth of emergency fund.

Recently they are offering unlimited overtime at work. So I go in 2-4 hours early and both my days off to fill up on it.

Also renting out two bedrooms for $650 a month tax free. (for now)
 
I want everyone's job in here. I work part-time and can barely afford life as is. I'm getting married in September, and I need something to help support my future wife and I!

You guys give me that OT you're earning. 🙁
 
There was one summer where I did some crazy OT. I pretty much worked 4 weeks straight with maybe like 3 days off in between. Kinda sucked since that's like 1/3 of summer that I did not see, but I had awesome pay cheques. If I recall both pay cheques for that period were almost 4 grand. Was crazy to get that much money. I think I had a debt at the time though so I ended up not really seeing it, but it pretty much paid off that debt.
 
I would never work that much OT. I'm fine with what I make - buys me food, shelter, clothing and plenty of toys (if I wanted). I don't need more toys or bigger toys so don't need to work OT. I'll take the time off sitting on my couch, thank you very much.
 
Tweak155 said:
I would never work that much OT. I'm fine with what I make - buys me food, shelter, clothing and plenty of toys (if I wanted). I don't need more toys or bigger toys so don't need to work OT. I'll take the time off sitting on my couch, thank you very much.
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Everyone has a different level of comfort. I had a job where I just made due. I wasn't comfortable just getting by.

For the most part I agree about toys. No way have I been working so hard to have a flashy car. That's not why I'm working so hard.
 
This is what amazes me:

"Recently they are offering unlimited overtime at work."

OT isn't forced upon you ... t's more a-la-cart.

OP, where/what do you do? Just curious ...
 
I wouldnt go into stocks at the moment personally. With Syria and the budget looming things are going downhill on that end. Just look at the last week or two. Was 15500 or so and now its down to 14700 and i would bet it goes lower. THough you oculd buy now and itll come back but you could wait and see if it goes lower too.

And overtime is nice....but after doing 7/12's for 8 months straight with no days off last year im burned out on it. An occasional day here and there is all i want to do. Though the extra money was definitely a nice bonus!
 
OILFIELDTRASH said:
Everyone has a different level of comfort. I had a job where I just made due. I wasn't comfortable just getting by.

For the most part I agree about toys. No way have I been working so hard to have a flashy car. That's not why I'm working so hard.
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Chances are his salary is fine without OT. That's my guess anyway. While people joke everyone here makes $100k, I'd wager the average salary of the people of OT is comfortably higher than the national average.
 
Dice144 said:
I paid off all my debts before buying the house. When I had 15k saved I then went looking for a house. (va required zero down).

Got a VA backed 3.5% 30 year mortgage. No prepayment fees.

Already got 3-4 months worth of emergency fund.

Recently they are offering unlimited overtime at work. So I go in 2-4 hours early and both my days off to fill up on it.

Also renting out two bedrooms for $650 a month tax free. (for now)
Click to expand...

Well given all that it sounds like you're pretty responsible with your money so I don't think you'll let yourself get too crazy. You're probably younger too so working all this overtime while you can still maintain an okay energy level while doing so isn't a bad idea. Just don't burn yourself out and end up hating your job and everyone around you.
 
Tweak155 said:
Chances are his salary is fine without OT. That's my guess anyway. While people joke everyone here makes $100k, I'd wager the average salary of the people of OT is comfortably higher than the national average.
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http://quickfacts.census.gov/qfd/states/00000.html

While the census may not provide the best data, it's something. I would say most of the young people here that just started their real careers are beating or coming close to the median household income of $53k.
 
gorcorps said:
http://quickfacts.census.gov/qfd/states/00000.html

While the census may not provide the best data, it's something. I would say most of the young people here that just started their real careers are beating or coming close to the median household income of $53k.
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Sounds about right to me. When I started "professionally" with a SUPPORT job back in 2007 I was right near $50k after required holiday OT & bonus. It was PLENTY to live off of and pretty much do what I wanted. Only thing about that job were the hours that were all over the place since we covered a 24hr clock.
 
In my early 30's. Work for a major cable company doing escalation ticket support and helping agents on the floor. Also the supervisor come to us when they need help with programs/floor issues helping agents. I use to work with the NOC but moved back to taking calls and helping agents for more $$.

My pay is not huge but I live well below my means so I feel rich most the time. (hint make less than 40k base). With shift diff and overtime tho it is much more. I grew up dirt poor. Grew up in a house with 6 kids and my Dad MAYBE made 33k in his best year.

15% into 401k. Just got my house (was under 130k). Mortgage with our insane NY taxes is $940 a month.

Disabled vet with feet and back issues. But get a check for it each month but I rather be normal!
 
Fuck money, I would never work that much overtime. Long hours for a week, okay. Several weeks straight, no way. You would have to put a gun to my head.
 
We once hired a contractor programmer for a project with tight deadlines. But then we had to drop him when someone noticed he tried to bill 26 hours for a day of work.

Now that's *massive* OT. 🙂
 
Working massive OT
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