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

13,123 Responses to Friday Financial Foul Ups: How I Wasted Over $10K and 11 Months
  1. andysfskd.articlesblogger.com
    August 18, 2019 | 2:03 am

    Awesome issues here. I’m very happy to see your post. Thanks a lot and I’m
    having a look forward to contact you. Will you kindly
    drop me a mail?

  2. Our Website
    August 18, 2019 | 3:20 am

    Oh my goodness! Amazing article dude! Thank you, However I am having issues with your RSS. I don’t know why I am unable to subscribe to it. Is there anybody else having identical RSS issues? Anyone that knows the solution can you kindly respond? Thanks!!

  3. IPX 363
    August 18, 2019 | 4:10 am

    The data talked about in the post are a few of the top accessible

  4. Fresh Origins CBD Reviews
    August 18, 2019 | 4:40 am

    Hello there! This blog post couldn?t be written any better!
    Going through this post reminds me of my previous roommate!

    He continually kept preaching about this.
    I am going to send this article to him. Fairly certain he’ll
    have a good read. Thanks for sharing!

    Also visit my homepage :: Fresh Origins CBD Reviews

  5. Crystal Carrigan
    August 18, 2019 | 5:17 am

    It is appropriate time to make some plans for the
    longer term and it is time to be happy. I’ve read this post and
    if I may I desire to recommend you few attention-grabbing things or tips.
    Perhaps you can write next articles relating to this article.

    I desire to learn even more issues approximately it!

  6. yellow pages
    August 18, 2019 | 5:48 am

    With havin so much content and articles do you ever run into any issues of plagorism
    or copyright violation? My site has a lot of exclusive content I’ve either authored myself or outsourced but it seems a lot of it
    is popping it up all over the web without my permission. Do you know any methods to help stop content from being ripped off?

    I’d certainly appreciate it.

  7. I was suggested this blog by my cousin. I am not sure whether this post

  8. Earth Origins CBD Review
    August 18, 2019 | 7:14 am

    Hello there, You have done an excellent job. I’ll certainly digg it and individually suggest to my friends.
    I am sure they will be benefited from this website.

    Also visit my site: Earth Origins CBD Review

  9. Jason Kwok
    August 18, 2019 | 7:20 am

    It is the best time to make some plans for the long run and it is time to be happy.
    I’ve learn this publish and if I may just I wish to counsel you few interesting things or suggestions.
    Perhaps you could write next articles relating to this article.
    I want to learn even more things approximately
    it!

  10. how to invest in gold and silver
    August 18, 2019 | 7:47 am

    very few sites that take place to become comprehensive below, from our point of view are undoubtedly properly worth checking out

  11. Inilah alasan kenapa membeli unit link dan manfaat asuransi unit link bagi keluarga anda

  12. Marianela Thornberg
    August 18, 2019 | 8:39 am

    One thing is the fact one of the most prevalent incentives for applying your card is a cash-back or rebate provision. Generally, you will get 1-5 back on various buying. Depending on the credit card, you may get 1 in return on most acquisitions, and 5 back on expenses made in convenience stores, gasoline stations, grocery stores and ‘member merchants’.

  13. murat fedakar
    August 18, 2019 | 8:45 am

    You have made some decent points there. I checked on the web for more information about the issue and found most individuals will go along with your views on this website.

  14. http://filoops.info/?S*217c
    August 18, 2019 | 9:39 am

    excellent issues altogether, you simply won a brand new reader.

    What may you recommend in regards to your put up that
    you just made some days in the past? Any sure?

    Feel free to surf to my web blog http://filoops.info/?S*217c

  15. pavimentos para exterior
    August 18, 2019 | 10:49 am

    This is a really good tip especially to those new to the blogosphere. Simple but very precise info Thanks for sharing this one. A must read article!

  16. 더나인카지노
    August 18, 2019 | 12:31 pm

    We stumbled over here different page and thought I may as well check things
    out. I like what I see so now i am following you. Look forward
    to looking at your web page again.

  17. XR Gains Reviews
    August 18, 2019 | 1:00 pm

    I have recently started a web site, the information you offer on this website has helped me greatly.
    Thank you for all of your time & work.

    my web site: XR Gains Reviews

  18. onewalmartwire.com
    August 18, 2019 | 2:41 pm

    The info mentioned inside the post are several of the most effective obtainable

  19. Know More Here
    August 18, 2019 | 3:11 pm

    I know this site gives quality based articles or reviews and additional stuff, is there any other web site which presents these kinds of stuff in quality?

  20. Sunday Scaries CBD
    August 18, 2019 | 4:21 pm

    Lovely just what I was looking for. Thanks to the author for taking his time on this one.

    My webpage – Sunday Scaries CBD

  21. http://hempgen.org/
    August 18, 2019 | 4:43 pm

    Hello would you mind sharing which blog platform you’re working with?
    I’m going to start my own blog in the near future but
    I’m having a difficult time choosing between BlogEngine/Wordpress/B2evolution and
    Drupal. The reason I ask is because your design seems different then most blogs and I’m
    looking for something completely unique. P.S Apologies for being
    off-topic but I had to ask!

    My web site http://hempgen.org/

  22. BioGenX Pills
    August 18, 2019 | 5:49 pm

    Good info. Lucky me I discovered your blog by chance (stumbleupon).
    I’ve book-marked it for later!

    Feel free to visit my website … BioGenX Pills

Trackbacks/Pingbacks
  1. مدل کمد دیواری
Leave a Reply


Wanting to leave an <em>phasis on your comment?

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

13,123 Responses to Friday Financial Foul Ups: How I Wasted Over $10K and 11 Months
  1. andysfskd.articlesblogger.com
    August 18, 2019 | 2:03 am

    Awesome issues here. I’m very happy to see your post. Thanks a lot and I’m
    having a look forward to contact you. Will you kindly
    drop me a mail?

  2. Our Website
    August 18, 2019 | 3:20 am

    Oh my goodness! Amazing article dude! Thank you, However I am having issues with your RSS. I don’t know why I am unable to subscribe to it. Is there anybody else having identical RSS issues? Anyone that knows the solution can you kindly respond? Thanks!!

  3. IPX 363
    August 18, 2019 | 4:10 am

    The data talked about in the post are a few of the top accessible

  4. Fresh Origins CBD Reviews
    August 18, 2019 | 4:40 am

    Hello there! This blog post couldn?t be written any better!
    Going through this post reminds me of my previous roommate!

    He continually kept preaching about this.
    I am going to send this article to him. Fairly certain he’ll
    have a good read. Thanks for sharing!

    Also visit my homepage :: Fresh Origins CBD Reviews

  5. Crystal Carrigan
    August 18, 2019 | 5:17 am

    It is appropriate time to make some plans for the
    longer term and it is time to be happy. I’ve read this post and
    if I may I desire to recommend you few attention-grabbing things or tips.
    Perhaps you can write next articles relating to this article.

    I desire to learn even more issues approximately it!

  6. yellow pages
    August 18, 2019 | 5:48 am

    With havin so much content and articles do you ever run into any issues of plagorism
    or copyright violation? My site has a lot of exclusive content I’ve either authored myself or outsourced but it seems a lot of it
    is popping it up all over the web without my permission. Do you know any methods to help stop content from being ripped off?

    I’d certainly appreciate it.

  7. I was suggested this blog by my cousin. I am not sure whether this post

  8. Earth Origins CBD Review
    August 18, 2019 | 7:14 am

    Hello there, You have done an excellent job. I’ll certainly digg it and individually suggest to my friends.
    I am sure they will be benefited from this website.

    Also visit my site: Earth Origins CBD Review

  9. Jason Kwok
    August 18, 2019 | 7:20 am

    It is the best time to make some plans for the long run and it is time to be happy.
    I’ve learn this publish and if I may just I wish to counsel you few interesting things or suggestions.
    Perhaps you could write next articles relating to this article.
    I want to learn even more things approximately
    it!

  10. how to invest in gold and silver
    August 18, 2019 | 7:47 am

    very few sites that take place to become comprehensive below, from our point of view are undoubtedly properly worth checking out

  11. Inilah alasan kenapa membeli unit link dan manfaat asuransi unit link bagi keluarga anda

  12. Marianela Thornberg
    August 18, 2019 | 8:39 am

    One thing is the fact one of the most prevalent incentives for applying your card is a cash-back or rebate provision. Generally, you will get 1-5 back on various buying. Depending on the credit card, you may get 1 in return on most acquisitions, and 5 back on expenses made in convenience stores, gasoline stations, grocery stores and ‘member merchants’.

  13. murat fedakar
    August 18, 2019 | 8:45 am

    You have made some decent points there. I checked on the web for more information about the issue and found most individuals will go along with your views on this website.

  14. http://filoops.info/?S*217c
    August 18, 2019 | 9:39 am

    excellent issues altogether, you simply won a brand new reader.

    What may you recommend in regards to your put up that
    you just made some days in the past? Any sure?

    Feel free to surf to my web blog http://filoops.info/?S*217c

  15. pavimentos para exterior
    August 18, 2019 | 10:49 am

    This is a really good tip especially to those new to the blogosphere. Simple but very precise info Thanks for sharing this one. A must read article!

  16. 더나인카지노
    August 18, 2019 | 12:31 pm

    We stumbled over here different page and thought I may as well check things
    out. I like what I see so now i am following you. Look forward
    to looking at your web page again.

  17. XR Gains Reviews
    August 18, 2019 | 1:00 pm

    I have recently started a web site, the information you offer on this website has helped me greatly.
    Thank you for all of your time & work.

    my web site: XR Gains Reviews

  18. onewalmartwire.com
    August 18, 2019 | 2:41 pm

    The info mentioned inside the post are several of the most effective obtainable

  19. Know More Here
    August 18, 2019 | 3:11 pm

    I know this site gives quality based articles or reviews and additional stuff, is there any other web site which presents these kinds of stuff in quality?

  20. Sunday Scaries CBD
    August 18, 2019 | 4:21 pm

    Lovely just what I was looking for. Thanks to the author for taking his time on this one.

    My webpage – Sunday Scaries CBD

  21. http://hempgen.org/
    August 18, 2019 | 4:43 pm

    Hello would you mind sharing which blog platform you’re working with?
    I’m going to start my own blog in the near future but
    I’m having a difficult time choosing between BlogEngine/Wordpress/B2evolution and
    Drupal. The reason I ask is because your design seems different then most blogs and I’m
    looking for something completely unique. P.S Apologies for being
    off-topic but I had to ask!

    My web site http://hempgen.org/

  22. BioGenX Pills
    August 18, 2019 | 5:49 pm

    Good info. Lucky me I discovered your blog by chance (stumbleupon).
    I’ve book-marked it for later!

    Feel free to visit my website … BioGenX Pills

Trackbacks/Pingbacks
  1. مدل کمد دیواری
Leave a Reply


Wanting to leave an <em>phasis on your comment?

Trackback URL http://mynextbuck.com/friday-financial-foul-ups-how-i-wasted-over-10k-and-11-months/trackback/