Revenant

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It's the waiting that's going to get me...

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Revenant

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We're finally coming up on the end of the year. Starting in January the annual look back on things begins an around February we should find out about pay raises and bonuses. I'm hoping both for a decent raise and a great bonus. I joined the company about a year ago and I think I've performed beyond their expectations in a vast majority of ways, going from being a new hire to a person that's writing technical papers for the company and giving presentations at conferences and symposia.

My goals / hopes for the bonus are pretty simple: 1) Pay off the last of my student loans (paying off the wife's will be the next battle) and 2) if the bonus is large enough, picking up a nice gold coin - possibly a double eagle, possibly one of the coins I need for my Netherlands 10G set. I won't know what I can get away with without the wife wanting to kill me until the bonuses are announced. Of course though, it's paying off the loans and getting that monthly bite out of the budget to go away that's the most important part. If the bonus is lack-luster there may be no coin in service of that goal, but such is life.

I'm also slowly building up some spending money to try to make a medium-ish purchase as an alternative approach. That could work for a 10G coin but it'd be a long wait if I angled for the Double Eagle, and I'd love to go for the Double Eagle.

I really want to know... but I won't get to find out for about another 3 months, so I guess I'll just sit here and continue to wish and ramble.

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Good luck to you and take any opportunity to make sure the decision makers know how much you have contributed.  Your student loan payments are, of course, a high priority but pay off any high interest credit card debt, too.  Then you can reward yourself with a nice shiny present.  :grin:

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There is a strong possibility that I will be early retired from my company. If I am I'll use most of the pay-out money to pay off my mortgage with little or none of it going towards a coin purchase. Retirement will greatly curtail any big coin purchases in the future. For the time being I am doing an audit of my collection to determine which of my current sets are core sets. Once defined, upgrades and additions to my core sets will be paid for with coins taken from sets that no longer interest me. Going forward my strategy will be sell one to get one! Revenant1 your plan is sound. Responsibility always comes before desires. That said, desires delayed are all the more sweet when they are finally realized! 

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On 11/8/2018 at 11:59 PM, jgenn said:

Good luck to you and take any opportunity to make sure the decision makers know how much you have contributed.  Your student loan payments are, of course, a high priority but pay off any high interest credit card debt, too.  Then you can reward yourself with a nice shiny present.  :grin:

If I actually had CC debt that I was paying ~28% interest on that would be public enemy #1 for sure. I charge everything I can to the CC and pay it off each month, even daycare, because I get 1-3% cashback rewards and pay no interest since I pay it off each month, so I make money off using the card. Fortunately the cars are on 0% interest notes, which has left the student loans as our highest interest debt, so I've been chasing that down as best I can. I was thrilled when they changed the policies and made it so that every extra dollar you pay automatically goes to the higher interest debt, so my extra payments all go to the 6.8% loan and not the 4.3% loan. Every little bit helps.

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On 11/9/2018 at 9:49 AM, gherrmann44 said:

Going forward my strategy will be sell one to get one! Revenant1 your plan is sound. Responsibility always comes before desires.

Sounds like time to get a side-hustle and get paid in cash on the QT. Lol 

Yeah. I just know that I'll come out ahead in the long run.

The wife wants / kind of needs to quit when the new baby comes so we don't get crushed by childcare costs, so paying off these loans is part of a broader plan to reduce our monthly recurring bills for the future.

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