The Funds

Being unemployed mostly sucks right?

I know. Stop point at me, I took a long consideration before submitting my resignation letter

But at least to make it bearable, you have to consider these:

Your available funds
Your monthly expenses (bills, loans, foods, insurance)
Your acceptable runway or how long you could live without a job in acceptable way

First, I’m feeling grateful I no longer have loans or installments so it will make huge difference on my monthly expenses calculation. Secondly, my wife is still have a job so at least for basic needs it would be covered. Last, I am living in a city where the prices still considered not to expensive.

Sorry my dear, I am “half” counting on you for now. Please be patient.

Now back to runway.

Excluding my wife’s salary, I break down my monthly expense and cut down some of it if possible. Then I add some emergency funds as a “unemployed” budget. So based on that, I have at least 8 - 10 months of runway. I could stretched it to 11 - 12 months with adding some budget from my other saving but I wouldn’t prefer any over budget here so let stick with 8 - 9 months max.

So 9 months will be my runway.

Hey I remember I possibly could take my funds on BPJS Ketenagakerjaan but I think I need to find reference about that. By looking the amount it probably could add 3 - 4 months additional runway.

Why not starting business

Bruh, I am pretty bad at this. But let see if I could find any interesting Idea for building digital business.

Retirement Saving

I’m having dilemma whether I keep add funds to my retirement saving or not while in this period. But first lets cut in half from original budget because I still need to prepare for retirement funds for my future.

If things go south, maybe will completely cut off the budget on this. We’ll see.

Other Update

No update yet on job applications today. I submitted 2 proposals in Upwork today regarding Laravel related project but I have no big expectation on that.

This morning someone reached me at email offering me to become guest writer on their blog platform. This is interesting opportunity to sharpen my writing skill and potential to reaching more audience. But I have no information where’s the blogging platform. They only said it similar to dev.to. Already replied asking for the detail.

I just published a blog about using Golang Migrate for manage database migration based on my experiment yesterday. Probably today will continue playing around with my short URL application.

That’s it, have a great day!

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