It is the first Monday of August.
I sit here thinking about going back to work tonight. Lately, I seem to have fallen out of love with the work I have been doing for the past decade. Blame it on the lack of sleep, on the dwindling salary I receive, on the changes that have put so much pressure at work. For the past few weeks, I have been seriously considering quitting.
My dad once told me, "Before you make a major decision in life, get a piece of paper. Fold the paper in half. On the left side, label the heading with the word 'Pros' and on the right side, label it with 'Cons.' Write down all the positive things about your proposed decision on the left side, and all the possible negative things on the right side. When you are done, read through it and weigh out each and every entry before you finally decide what you want to do."
It was good advice back then. It still is today. And so I put it to a test today. Here is what I have written down:
So, as you can see, there are more positive things that can happen if I quit my current employment and concentrate on work-at-home jobs. But I still have to think long and hard about this.
Regular Income Jobs vs. Contract Based Jobs:
Employees get paid a daily rate for completing 40 work hours per week, regardless if you do your job or not. If you don't, then you still get paid. If you excel in your work, then you get paid extra bonuses. In contract based/work at home jobs, you get paid a flat rate for the entire workload which you are required to complete in a few days or weeks. They usually pay very well, however, the drawback would be stability. You cannot depend on being awarded contacts every time. There will be lulls and it may be a long one.
HMO Plans vs. Government Health Insurance:
One of the perks of being a regular employee is you are provided with health insurance by an HMO (Health Maintenance Organization) provider. The monthly dues are paid for by the company you work for. Some companies even provide HMO benefits for their employee plus three dependents. If I opt for being self-employed, I will have to pay out of pocket for my monthly fees and make do with the Government Health Insurance that can only be availed of if I will be confined in a hospital. I could buy up my own private health insurance, but that would be very expensive.
Social Security and Retirement Benefits
Regular employees have mandatory deductions in their paycheck which goes into their Social Security Fund. The company also contributes two to three times the amount the employee pays per month. So that's me and my employer saving for my retirement benefits. If I chose to be self employed, I will have to pay a lot per month to maintain my current rate for Social Security.
Family Time, Less Stress, Healthier Meals vs. Graveyard Shift and Fast Food
I have been wanting to stay home and be with my family more. It is so nice to be able to earn my keep while minding the needs of my family at the same time. I get to prepare healthier meals for myself and my family. I will get more rest, therefore less stress and less sick days. As an employee doing the graveyard shift for a decade and living on fast food has given me uncontrolled blood sugar levels, gastritis, and elevated blood cholesterol. I come home physically drained and irritable. This is not the mom I want my children to have.
Be my own Boss vs. Having a Boss
Wouldn't it be nice to be able to do everything at your own pace without somebody breathing fire down your neck everyday? That would feel so much like heaven on earth. However, I would miss out on creating "code names" for people higher up the corporate ladder who do nothing but make others' lives miserable. Me and my friends have become so creative at this. We have "the Tele-tubbies," "the Whale Shark," "Shrek," "Princess Fiona," "King Albino," to name a few. LOL. That I would surely miss if I opt to stay at home to work.
So, have I decided to quit or to stay put? I still have two sons in college and losing a regular income might mean disaster. My hubby told me to wait until one of my children can take me in as their dependent for health insurance coverage. Little old pessimistic me was worried that I might be too old to qualify when that time comes. Haha.
And so, I will be patient and wait for the opportune time when I can go for my dreams and work at home. When that moment comes, I will then sit down and do what I love to do best - to write.
|Pizza Party after the Monthly Team Update Meeting|
|Lighter moments with the team at the Videoke room at work|
|Breakfast at 4am with my fellow Quality Analysts|
|Early morning pig out at Pizza Hut|
Wishing everyone a more productive and fun-filled week ahead!