Friday Financial Foul Ups: How I Wasted Over $10K and 11 Months

This week’s Friday Financial Foul Up will feature a guest post by new blogger and frequent twitterer Jeff from Deliver Away Debt.  Jeff has found himself with a large amount of debt and has taken to delivering pizzas as a means of paying it off.  For those that follow him on twitter, he shares with us his delivery stories as well as a play-by-play of most of his tips when he is working.  Enjoy his story and his foul up over the past year.

After returning from an overseas assignment in Southern China I needed to figure out a way to replace the $1,950 per month “Hazard Pay” I was receiving.  Before China my wife was working in the marketing field making $2,200 per month.  If she went back to work we would have been fine.  But like all good stories there’s a twist.  We had a one year old son and another baby on the way.  Day care was going to cost $1,800 per month for both kids, so we would still be short on funds.  That’s when I came up with the great idea of taking on a second job delivering pizzas (with Dave Ramsey’s help of course).  That way we could make the money we needed and my wife could stay home and take care of the kids.

The Situation:

On Monday May 9, 2008 I started to deliver pizzas for a newly opened pizza shop down the street.  It couldn’t have been easier to get the job, there was a sign on the door saying “Help Wanted: Drivers.”  I walked in, talked to the manager for 30 seconds, and showed up for training that Friday.  Finally my problems were solved.  I was going to make some cabbage and pay down my debt, all $101,000 of it.

Where I fouled up:

Working a second job to help pay down debt seemed like a great idea.  I was working two nights a week and made some good money.  The money went into the bank and the bills were all paid on time.  Great, I thought, but there wasn’t any money to apply toward my debt. I thought, oh well I’ll just make it up next month.  In June I was able to score another day of delivering. I was now working Friday, Saturday, and Sunday nights pulling in over $300 a weekend working 21 hours. June came and I used that money to pay my property taxes.  No big deal, it was $1,400 I didn’t have before delivering so I’ll make that up next month.  Every month ended with the same story.  The money I was making was just supporting our current lifestyle, NOT paying down the debt I needed to pay down.

I averaged $1,200 per month during this 11 month period.

$1,200 X 11 months = $13,200 WASTED!!!

What I learned:

First – You need to have a plan any time money is involved.  If you don’t think ahead and tell the money “YOU WILL GO TO THE CHASE CREDIT CARD THIS MONTH.,” the money will never get there.  My wife and I finally figured out that a plan/budget was needed, too bad it took so long and cost us so much.

Second – After working the plan/budget for the last 4 months, we have paid down over $13,000.  Just think, we could have paid $26,200 in the same amount of time if we would have started the plan earlier!  ALWAYS HAVE A PLAN DAMN IT!

Third – Never deliver pizzas in a leased H3 Hummer.  The gas will KILL your best efforts.  Besides, people ALWAYS make comments about getting their pizza delivered by a dude in a Hummer.  I currently roll in a Chevy Cobolt and nobody says a thing.

Fourth – You also have to have fun paying down debt.  I know that doesn’t sound right but it’s true.  I make delivering pizzas fun by using Twitter.  I tweet about how much money I make in tips, and give a weekend earnings total on Sunday night.  I also tweet about all the crazy things that happen to me while delivering.  The interaction with people and the things a delivery driver sees are extremely funny.  Follow me at @deliverawaydebt and you too can get an inside look at the world of a great second job.  Deliverawaydebt.com is also a blog I write to help discuss tips and tricks I’m learning during the LONG journey to debt freedom.

May debt freedom be with us all,
Jeff Kosola

85 Responses to Friday Financial Foul Ups: How I Wasted Over $10K and 11 Months
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Trackback URL http://mynextbuck.com/friday-financial-foul-ups-how-i-wasted-over-10k-and-11-months/trackback/

Friday Financial Foul Ups: How I Wasted Over $10K and 11 Months

This week’s Friday Financial Foul Up will feature a guest post by new blogger and frequent twitterer Jeff from Deliver Away Debt.  Jeff has found himself with a large amount of debt and has taken to delivering pizzas as a means of paying it off.  For those that follow him on twitter, he shares with us his delivery stories as well as a play-by-play of most of his tips when he is working.  Enjoy his story and his foul up over the past year.

After returning from an overseas assignment in Southern China I needed to figure out a way to replace the $1,950 per month “Hazard Pay” I was receiving.  Before China my wife was working in the marketing field making $2,200 per month.  If she went back to work we would have been fine.  But like all good stories there’s a twist.  We had a one year old son and another baby on the way.  Day care was going to cost $1,800 per month for both kids, so we would still be short on funds.  That’s when I came up with the great idea of taking on a second job delivering pizzas (with Dave Ramsey’s help of course).  That way we could make the money we needed and my wife could stay home and take care of the kids.

The Situation:

On Monday May 9, 2008 I started to deliver pizzas for a newly opened pizza shop down the street.  It couldn’t have been easier to get the job, there was a sign on the door saying “Help Wanted: Drivers.”  I walked in, talked to the manager for 30 seconds, and showed up for training that Friday.  Finally my problems were solved.  I was going to make some cabbage and pay down my debt, all $101,000 of it.

Where I fouled up:

Working a second job to help pay down debt seemed like a great idea.  I was working two nights a week and made some good money.  The money went into the bank and the bills were all paid on time.  Great, I thought, but there wasn’t any money to apply toward my debt. I thought, oh well I’ll just make it up next month.  In June I was able to score another day of delivering. I was now working Friday, Saturday, and Sunday nights pulling in over $300 a weekend working 21 hours. June came and I used that money to pay my property taxes.  No big deal, it was $1,400 I didn’t have before delivering so I’ll make that up next month.  Every month ended with the same story.  The money I was making was just supporting our current lifestyle, NOT paying down the debt I needed to pay down.

I averaged $1,200 per month during this 11 month period.

$1,200 X 11 months = $13,200 WASTED!!!

What I learned:

First – You need to have a plan any time money is involved.  If you don’t think ahead and tell the money “YOU WILL GO TO THE CHASE CREDIT CARD THIS MONTH.,” the money will never get there.  My wife and I finally figured out that a plan/budget was needed, too bad it took so long and cost us so much.

Second – After working the plan/budget for the last 4 months, we have paid down over $13,000.  Just think, we could have paid $26,200 in the same amount of time if we would have started the plan earlier!  ALWAYS HAVE A PLAN DAMN IT!

Third – Never deliver pizzas in a leased H3 Hummer.  The gas will KILL your best efforts.  Besides, people ALWAYS make comments about getting their pizza delivered by a dude in a Hummer.  I currently roll in a Chevy Cobolt and nobody says a thing.

Fourth – You also have to have fun paying down debt.  I know that doesn’t sound right but it’s true.  I make delivering pizzas fun by using Twitter.  I tweet about how much money I make in tips, and give a weekend earnings total on Sunday night.  I also tweet about all the crazy things that happen to me while delivering.  The interaction with people and the things a delivery driver sees are extremely funny.  Follow me at @deliverawaydebt and you too can get an inside look at the world of a great second job.  Deliverawaydebt.com is also a blog I write to help discuss tips and tricks I’m learning during the LONG journey to debt freedom.

May debt freedom be with us all,
Jeff Kosola

85 Responses to Friday Financial Foul Ups: How I Wasted Over $10K and 11 Months
  1. RetsPro Reviews
    April 17, 2018 | 4:55 am

    RETS PRO ripoffs may be around online, so please beware of trying to buy versions of our software at reduced prices. RETSPRO is continually being re-evaluated and improved, If you find yourself with any of these nulled versions you will not gain access to any updates or support.

  2. Health and Fitness
    April 17, 2018 | 4:10 pm

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  3. Health and Fitness
    April 17, 2018 | 6:24 pm

    Wow, incredible blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is fantastic, as well as the content!

  4. Health and Fitness
    April 17, 2018 | 7:44 pm

    Only a smiling visitant here to share the love (:, btw outstanding design and style .

  5. Health and Fitness
    April 18, 2018 | 5:01 am

    I have not checked in here for some time as I thought it was getting boring, but the last few posts are good quality so I guess I will add you back to my daily bloglist. You deserve it my friend 🙂

  6. Civil Engineering
    April 18, 2018 | 9:41 pm

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  7. Music Marketing
    April 18, 2018 | 9:46 pm

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  8. State Department Travel
    April 18, 2018 | 9:47 pm

    I cling on to listening to the newscast lecture about getting free online grant applications so I have been looking around for the top site to get one. Could you advise me please, where could i find some?

  9. Sallie Grossberg
    April 18, 2018 | 11:26 pm

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  11. Health and Fitness
    April 19, 2018 | 3:53 am

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    April 19, 2018 | 5:23 am

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  14. Health and Fitness
    April 19, 2018 | 8:11 am

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  15. Health and Fitness
    April 19, 2018 | 10:15 am

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  16. Health and Fitness
    April 19, 2018 | 11:05 am

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  17. Health and Fitness
    April 19, 2018 | 6:03 pm

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  18. Health and Fitness
    April 19, 2018 | 7:21 pm

    I would like to voice my gratitude for your generosity giving support to those people that should have help on this area. Your special dedication to passing the solution all over turned out to be extremely interesting and has regularly empowered regular people like me to reach their endeavors. This informative advice can mean this much to me and much more to my office colleagues. Thank you; from all of us.

  19. Health and Fitness
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  21. School Math Games
    April 19, 2018 | 10:49 pm

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  22. Online Profesional Writing
    April 19, 2018 | 10:50 pm

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    I precisely needed to appreciate you again. I’m not certain the things I could possibly have handled in the absence of these solutions shown by you regarding such area of interest. This has been a very horrifying matter in my view, nevertheless viewing a new professional manner you solved it forced me to cry with contentment. Now i am happy for this guidance and thus wish you really know what an amazing job you are providing training men and women through the use of your web page. More than likely you haven’t met all of us.

  34. Health and Fitness
    April 20, 2018 | 8:16 pm

    I haven¡¦t checked in here for some time since I thought it was getting boring, but the last few posts are good quality so I guess I will add you back to my daily bloglist. You deserve it my friend 🙂

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