Well folks, I do believe I have seen the Writing On the Wall.
This morning when I got to work, E was there. We were chit chatting about this and that, when he mentioned that paychecks would be available tomorrow. *Then* he mentioned that they had opened a new check writing account at a different bank which only has branches in a town about 20 miles North.
So, what this means is that there will not be the opportunity to take the paycheck directly to their bank and cash it. (Unless I want to drive 20+ miles on my day off hoping that the money will be there.) So, the only way to get the money is to deposit the check.
We know how well that goes. Not.
E assured me there'd be enough money for all our checks. I just kind of gave him a look, and told him that I certainly hoped so, because I did NOT want to have to deal with NSF or Returned Check fees.
So, feeling really upset about this all day. I came to the decision that the first time a check bounces, I will be putting in my notice.
I simply refuse to deal with this anymore. It was annoying enough to have to go back to their bank multiple times to be able to cash my checks, but at least the embarrassment factor was solely in their court. Bouncing checks that I deposit in MY checking account puts the embarrassment factor on me as well.
Next question is how am I going to pay for school and living expenses without this job?
Well... I think I'll probably have to take my grandma up on her offer of financial help. I'm thinking of asking her to pay my tuition as I go, and then while I'm still in school, I'll pay 5% interest on whatever the total amount is each month. Then, once I'm out of school and have a librarian job, we can work out the repayment terms.
I also am working on applying for a number of scholarships I've found - but none of them would work until 2010.
With tuition covered, then all I would need to worry about is living expenses.
If I didn't make another dime, I could live on my savings for 13 months - supposing no emergencies or car repairs.
So, obviously I'll need to reduce my expenses + find odd jobs or maybe a part-time job.
To meet my goal of finishing within 18 months, I need at least 30 - 40 hours a week of study/homework time. The gym job is so perfect for that. Ugh.
I haven't heard from my brother yet about him moving here, so that *might* be a possibility. But I kind of doubt it.
I think it may be getting close enough to September for me to talk to my Pastor about any families he knows of that may be willing to exchange childcare/tutoring for partial rent.
I will know probably by a week from tomorrow whether or not this check has cleared. I really hope it does, so it'll give me another two weeks before saying sayonara. But, I think the smart thing to do is to start planning as though it WILL bounce.
I sure will miss working out with the lady who works out in the mornings -- and easy access to treadmills.
Le Sigh.
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Well, when my prescription is ready to be refilled, I have a coupon for CVS to get a $25 gift card. I need to see if I can find my Walgreen's one and check its expiration date. If it's in August, then I'll have my next two refills basically paid for. 
The Writing On The Wall & CVS coupons
July 1st, 2009 at 04:11 am
July 1st, 2009 at 05:10 am 1246421449
July 1st, 2009 at 05:35 am 1246422904
July 1st, 2009 at 05:58 am 1246424318
Mom-MS - You're right, I could do that. However what seems to happen is that the money is there in the account when you call, but then 3 other checks are honored before your check, and then there isn't enough money for your check.
If the check was credited out of their account the second I deposited it into my bank, then that would work - but from past experience it seems to have a 4 - 5 day turnaround. The second time their check bounced on me, it showed as cleared in my checking account after two days --- so I made some transactions -- then two days later, the check was returned. So, not only did I have the Returned Check fee, but I also had an NSF fee.
July 1st, 2009 at 09:00 am 1246435236
I wrote you awhile ago-Still follow your Blog.
You have this all figured out, so not to worry.
(I know-easier said than done-but worry is a
useless emotion that gets you nowhere). You do
have to take a stand on this check nonsense-
otherwise it will continue on and on and on, like
it has. E seems to have done two things already-
blown "smoke up your skirt" regarding the security of his business finances, and then made false promises
as to the future of this business. You are a very smart
and independent woman-you CAN and WILL find employment
elsewhere-even in this economy. I, too, believe this-
am in the same boat as you are-working for a small business owner, who bought into a business, but who has
little to no operating capital-BAD NEWS. You and I both see the writing on the wall-and it's pretty much
NOT GOOD right now. I'm on your side.....
July 1st, 2009 at 09:02 am 1246435379
feel sooo much better! (And what a $$$$ Saver-as
you know!)
July 1st, 2009 at 02:22 pm 1246454521
It's not really E's business, he's managing it for his folks - but I do agree with your assessment of him having been "blowing smoke up my skirt." (Love that!)
I'm not the only one who's going to be uber upset about this whole shenanigan - they may have an uprising on their hands.
That definitely is not good - having little operating capital and trying to run a business - especially nowadays.
Glad to hear you're enjoying your vege diet.