Confessions of a Laid-off Lawyer

Just Your Average Joe Blogging Away His Debt—In One Year or Less

Archive for June 2010

Trifecta

with 6 comments

Total Black: $6.71
Total Red: $245,724.55

When it rains, it pours, eh?  And when it’s shines . . . it’s hot?  Not sure what a corollary to that old adage would be, but today goes down in the books.  The blog broke a few records.  Read the rest of this entry »

Oh, Mother!

with 22 comments

Total Black: $6.71
Total Red: $245,701.55

Palm to face!  It is with a heavy heart that I write today’s post.  Keep reading . . .

Written by Laid-off Lawyer

June 29, 2010 at 21:56

Laid-off “Livingston” Lawyer

with 9 comments

Total Black: $6.71
Total Red: $245,625.09

On the drive home this afternoon, I stopped to grab a bite to eat at a local restaurant.  In between swatting mosquitoes and shooing flies I opened a copy of Jonathan Livingston Seagull by Richard Bach and started to reread it.  I know I’ve read it before, but I really couldn’t recall the precise point of the book.  Just the overall gist—some bird who goes against the grain.  Got me thinking about my own situation and debt in general.   Keep reading . . .

Breakdown

with 26 comments

Total Black: $6.71
Total Red: $245,625.09

No, not an emotional one.  A financial one.  Time to break down my finances for the month and lay it out for all to see.

I’m estimating much of the information here.  I still haven’t gotten paid from my current job.  Perhaps by the middle of next month.  So much of this data I’ve calculated on my own.  Once I get my first pay stub, I’ll update my financials.  For now, here goes:   Keep reading . . .

Cleaning House

with 7 comments

Total Black: $6.71
Total Red: $245,565.03

Total black is down.  As is total red.  I opted to send about $175 to my mother, as discussed in Supplemental Day of Accounting.  It’s a small amount.  A drop in that proverbial bucket considering the sizable amount I’ve borrowed from her.  But it’s important that she know that I’m committed to paying her back.   Keep reading . . .

Written by Laid-off Lawyer

June 26, 2010 at 23:59

Gotta Hold On

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Total Black: $179.87
Total Red: $245,700.21

My mother telephoned today.  The money still isn’t available.  And probably won’t be on Monday either—the day I’m supposed to pay the IRS.  Gotta hold on.   Keep reading . . .

Written by Laid-off Lawyer

June 25, 2010 at 22:27

At Attention

with 9 comments

Total Black: $85.38
Total Red: $245,607.66

Back in A Bad Review, I mentioned in passing that I had been diagnosed with ADHD.  I also noted that I was a bit on the fence about that diagnosis.  As time goes on though, I’m beginning to believe there may be something to it.   Keep reading . . .

Supplemental Day of Accounting

with 4 comments

Total Black: $85.38
Total Red: $243,602.66

Total Red is down from earlier this week—all-time high of $246K.  But it’s up from yesterday’s post: My First Car.  And all numbers are up from my Eleventh Day of Accounting, so I thought perhaps I’d update my numbers before the 10th of the month, especially because of the recent changes to my finances.  An abbreviated version follows below: Keep reading . . .

My First Car

with 24 comments

Total Black: $85.38
Total Red: $242,876.35

Today I purchased my first car.  At thirty-four years old.  My first automobile.  Not Grandma’s ol’ wheels no longer needed.  Not a hand-me-down from mom or dad, so to speak. Mine.  Granted, of course, that I purchased it with an auto loan and loaned funds from my mother, but it’s still my car.  Title in my name.  And I hugged it before I climbed in.  Read the rest of this entry »

Written by Laid-off Lawyer

June 22, 2010 at 22:15

Absolutely Infuriating

with 3 comments

Total Black: $85.38
Total Red: $246,889.20

I spent nearly two hours today on the telephone with Bank of America.  And I’m practically at my wits-end.  Keep reading . . .

And Back Again

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Total Black: $21.56
Total Red: $243,889.20

Despite the hellishly long day in L.A. For a Day, I got a decent amount of sleep.  I awoke around 4:15am, showered, dressed, and checked out of the hotel.  Hopped the free shuttle five minutes later and in about twenty I was at LAX, checking in.  My day back was going to be long: Los Angeles to Miami, Miami to San Juan, San Juan to St. Croix.  And it was wrought with opportunities for connections to go awry.  But it didn’t.  I arrived back in St. Croix after 8pm Atlantic Time, having departed Los Angeles at 6am Pacific Time.  Thankfully, I was able to withdraw cash at a branch of Bank of America the day prior, so I grabbed a St. Croix taxi back to the courthouse, jumped in my rental Jeep and drove home.

I was never happier to see my own bed—even if it’s only been mine for just twenty days now.

Total black is down because of my branch bank withdrawal.  Total red has stayed about the same.  For now.

Written by Laid-off Lawyer

June 20, 2010 at 22:43

L.A. For a Day

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Total Black: $21.86
Total Red: $243,763.00

After the long day referenced in Miami Is Not Nice, I was not looking forward to a long night on the airport floor.  But I had another offer.  Wasn’t sure whether I should take it though.  But I did. Read the rest of this entry »

Miami Is Not Nice

with 2 comments

Total Black: $221.13
Total Red: $243,731.55

And I’ll say it thrice.  (Lil’ “Golden Girls” reference there.)  

But seriously, today sucked.  I’m flying to Los Angeles to attend the wedding of a good friend from law school.  My day started with more bank fiascos and then a flight delay and then a missed connection.  And a forced one thereafter, so to speak.  I wish I could just turn around and go back.  Keep reading . . .

Fifteen Days

with 2 comments

Total Black: $890.88
Total Red: $243,714.55

Today I attended a young professional’s networking event for the St. Croix chamber of commerce.  It was enjoyable and gave occasion to meet a number of local professionals and to hobnob a bit.  Naturally the requisite prefatory questions ensued: what do you do?  where are you from? when did you get here?  “Fifteen days ago,” I said.  Keep reading . . .

Written by Laid-off Lawyer

June 17, 2010 at 23:25

Inhabitants

with 4 comments

Total Black: $3,301.65
Total Red: $243,714.55

I’m starting to feel more and more like an “inhabitant” of the U.S. Virgin Islands.  And with it come the accompanying pains.  Keep reading . . .

Time to Shine

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Total Black: $3,789.90
Total Red: $243,714.55

Not to toot my own horn too much.  But I’m thinking that there may very well be quite a few opportunities here to advance my career.
Keep reading . . .

Written by Laid-off Lawyer

June 15, 2010 at 22:26

Job Hunting

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Total Black: $3,789.90
Total Red: $243,657.05

Well, I started pounding the electronic pavement today.  I noted back in By Night in a New Land that I would be considering this option.  With the possibility of a monthly car payment, it must become more than a possibility.  And, as mentioned back in Craigslist Addict, I tended to rely mostly on that website to find leads.  That site isn’t really used much down here, so I’m left to the old-fashioned methods.  Keep reading . . .

Written by Laid-off Lawyer

June 14, 2010 at 22:48

Relaxing Sunday

with 3 comments

Total Black: $904.72
Total Red: $241,059.05

I vacillated this morning for about two hours, going back and forth between going to work to put a few hours in and just staying home and relaxing.  Even though I went in to the court yesterday, after the day I mentioned in Limits and Liens and Loans, I couldn’t get anything done.  My mind wasn’t on my work.  So today, I just said screw it and relaxed today.

Instead of worrying all day, which won’t get anything accomplished anyway, I watched some television, read a book, and updated my blog posts.  And, just around sundown, I hopped in the pool and shot a few pictures from my iPhone of the sun sinking into the Caribbean Sea.

It’s good to rest every now and then.

Written by Laid-off Lawyer

June 13, 2010 at 23:36

Limits and Liens and Loans

with 22 comments

Total Black: $906.89
Total Red: $241,059.05

Oh my!  Oh my!  Oh my!  I went looking for a jeep today.  Not sure how this will work out. Keep reading . . .

A Few Remaining Wrinkles

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Total Black: $1,041.21
Total Red: $241,040.55

Only a few remaining wrinkles left: getting a post office box, buying a car, switching my driver’s license, and registering to vote.  I took care of the first one this morning.  I have a mailing address in the Virgin Islands.  Almost didn’t get it though.  Or, at least I thought I wouldn’t. Keep reading . . .

Written by Laid-off Lawyer

June 11, 2010 at 22:05

Eleventh Day of Accounting

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Total Black: $844.57

Here’s the Breakdown:

Primary Checking: $323.89
Secondary Checking: $115.85
Savings: $9.46
PayPal Account (Personal): $395.37
PayPal Account (Blog): $0.00
Amazon Payments Account: $0.005
Mutual Funds Account: $0.00

FICO Score 502

Total Red: $240,126.52

Here’s the breakdown:

Credit Card Debt:

Master Card: $4,505.33     [down $1,125.21 from August 2009]
Visa: $7,649.67     [down $213.00 from August 2009]
Visa: $4,912.54     [down $154.42 from August 2009]
American Express: $2,325.36     [down $42.04 from August 2009]
Raymour & Flanagan Credit Line: $6,340.68     [up $692.93 from August 2009]
Saks Fifth Avenue Credit Card: $412.23     [not listed in August 2009]

Student Loan Debt:

Federal Stafford Loans: $94,504.20     [no change from August 2009]
Private Student Loans: $31,664.44     [down $2,504.06 from August 2009]

Back Taxes:

IRS (2007): $1,438.11     [down $792.49 from August 2009]
IRS (2008): $28,275.80     [up $797.07 from August 2009]
IRS (2009): $2,840.00     [not listed in August 2009]

NY State (2008): $0.00    [down $2,846.59 from August 2009]
NY State (2009): $2,785.00     [not listed in August 2009]

Other Loans:

My mother: $49,473.16     [up $9,473.16 from August 2009]
My sister: $3,000.00     [not listed in August 2009]

This month—for the first time—I decided to compare the changes in the numbers from August 2009 when I first posted my stats, back in Day of Accounting.  Looking at everything laid out like this really brings the reality home.  Keep reading . . .

Written by Laid-off Lawyer

June 10, 2010 at 22:51

What’s the Difference?

with one comment

Total Black: $3,045.18
Total Red: $240,911.55

I noted yesterday that I’m already One Week In.  And now I’m wondering what the difference is between my past life and here.  Keep reading . . .

One Week In

with one comment

Total Black: $3,069.28
Total Red: $241,011.55

Roughly one week on the job.  And the island.  And I’d say I’m settling in fairly well.  At work, the criminal trial, mentioned in Court, began in earnest today.  I don’t think I’ve ever participated in a trial—in any capacity, including as an observer—from the very beginning to the very end.  The only drawback to working for the court is that all the other tasks we’ve got before us gets shelved for however long we’re away from our desks.  In an ideal world, I’d go back to my desk after court each day and put in another few hours working on cases.  But that didn’t happen yesterday or today.  At least today I had an excuse.  Keep reading . . .

Written by Laid-off Lawyer

June 8, 2010 at 23:26

Court

with 6 comments

Total Black: $3,990.14
Total Red: $240,969.50

Day One of a criminal trial.  Defendant is accused of assault with the intent to murder along with a few other charges.  The incident allegedly happened last year, right down the road from the courthouse, when the defendant shot at the victim while both were driving down a public road.  The issue highlights a serious problem currently plaguing the Virgin Islands: retaliatory crimes.  Keep reading . . .

I Think I’m Gonna Like It Here

with 2 comments

Total Black: $4,217.45
Total Red: $240,969.58

Lord & Lady took me out last night.  They’re unmarried but live together.  We went out to celebrate Daughter’s birthday.  Lady’s daughter moved here just recently with her boyfriend.  I met Daughter back when I first visited the location, mentioned back in Signed, Sealed, and Delivered.  She and her boyfriend are nice too.  And I’m liking Lord & Lady more and more each day.  Doesn’t seem as if there will be problems with them as my landlords. Keep reading . . .

Written by Laid-off Lawyer

June 6, 2010 at 20:20