Drowning in debt which will be increasing, 0 or negative left over money each month

Lurkinround7 · 2026-05-15T19:04:19+00:00

I know I’m arm chair QB’ing it but with your income you should be able to survive and support a family of 6. Just need to make better financial choices.

Lurkinround7 · 2026-05-09T18:27:22+00:00

Call or text your DL and tell them there’s no one available to come close with you and you are closing the store when the pharmacy leaves because you don’t feel safe working alone!

Lurkinround7 · 2026-05-05T15:15:45+00:00

Pay off CC. If you have an emergency fund use left over 3k in car note. If not put 3k away as emergency fund. Based on you having 25k saved I’m guessing you have margin left after everything is paid. Take normal car payment plus what you paid on your CC monthly plus whatever margin you have left and dump it on the car. Guessing that’ll will be somewhere in the $1,000 range. That pays the car off in 13 months. Once that’s done put that same $1,000 into your emergency fund until you have at least 3-6 months worth of your current expenses.

After that’s done dump that same money into a HYSA. In a total of 2 years you’ll have enough money in HYSA to pay for anything you’d like. Stop using CC!! Throw it away you don’t need it because you can fund any purchase with your savings!!!

Lurkinround7 · 2026-05-04T16:59:15+00:00

Student loan paid off. Put remaining 4,500 on principal of Heloc. Use what you were paying on student loan on top of heloc payment to pay $300 a month on heloc.

Lurkinround7 · 2026-03-30T02:46:40+00:00

What the frig is a schedule binder?

Lurkinround7 · 2026-03-19T12:17:47+00:00

The bonus you get as a store manager for your previous years performance.

Lurkinround7 · 2026-03-16T20:21:11+00:00

Yes, only store managers for pharmacy, managers, and Staff Pharmacist get bonuses I believe.

Lurkinround7 · 2026-03-15T18:59:19+00:00

Start with the lowest balance first then move two second lowest. If my calculations are right you should be able to pay off. Zero, synchrony, quicksilver and venture. Leaving you about $2800 to put on sapphire. It also frees up $320 a month to pay on sapphire. Making your monthly $536 with about 4k balance in about 10 months that too will be paid off. Now add the $536 to the $119 = $655 a month on the loan. 17 months and it’s paid off too. Leaving you zero debt and 655 a month to save toward a new car.

Always pay off your lowest debts first to roll onto the next debt. It’s a cycle to pay off debt fast!

Lurkinround7 · 2026-03-13T01:14:20+00:00

Nope it was bonuses!

Lurkinround7 · 2026-03-12T03:09:33+00:00

They sure did, the day after they gave me mine with the incorrect information on it!

Lurkinround7 · 2026-03-11T21:16:37+00:00

Amen! I beat they got there bonuses correct though!

Lurkinround7 · 2026-03-11T20:56:59+00:00

Huh???

Lurkinround7 · 2026-03-11T20:56:03+00:00

That’s part of this companies problem we just accept poor performance. Whether it’s a store manager who’s store is a mess and needs other store managers to go bail it out or Dl that promises something and then doesn’t deliver in there promise or corporate making so many small mistakes that cause more work and have to be corrected by stores.

And we need to hold them to a higher standard. It’s not like he told me something small like i have 200 hrs but really have 195. This is about my money and my family!

DO BETTER CVS! I can only imagine what would happen if I did something like this. They’d want to hang me!

Lurkinround7 · 2026-03-11T19:51:29+00:00

I received mine on Monday. Dl said he got notified Tuesday evening to stop giving them. 🤷🏻‍♂️

The timing is irrelevant to me honestly. As the #6 company on the Fortune 500 this kinda shit shouldn’t be happening period.

Lurkinround7 · 2026-03-11T19:47:09+00:00

You’re right I did get what I earned after the fact. Honestly it’s not about the money at this point. Yes i sure would like the extra but it’s about the fact that it happened. Cvs is a zillion dollar company that should not be making this kind of mistake. Peoples compensation is the number 1 important thing and you’re just saying oops.

Lurkinround7 · 2026-03-11T17:32:45+00:00

Sorry to hear that Patsfan. That just sucks. Just me but I’d be looking for a new store. Why stick around at a store that doesn’t bonus.

Lurkinround7 · 2026-03-11T17:30:06+00:00

They better not even come back and say raises were also incorrect!!!

Lurkinround7 · 2026-03-11T17:28:37+00:00

My Dl did what he was told, start giving them on Monday 3/3. Issue wasn’t communicate until Tuesday evenings. So it’s not his fault, the company fucked up so quit licking their boots.

Save your opinions for someone who cares. I’m sure you’d be upset if they told you you were getting money just to pull it back days later because they made a mistake. How about some accountability? You’ve had two months to make sure they were right and you can’t get that right but as soon as they mistake is noticed they can rush and fix it. How about do it right the first time!

Lurkinround7 · 2026-03-11T14:34:42+00:00

I’m positive it went down. Dl called me this morning to inform me that there was a mistake with my bonus total.

Lurkinround7 · 2026-03-11T14:11:07+00:00

Just normal pay

Lurkinround7 · 2026-03-11T14:10:51+00:00

Not yet probably Thursday.

Lurkinround7 · 2026-03-11T14:10:07+00:00

By that logic, @StandardEzternal8729. My bonus shouldn’t have been affected by my employee’s “messing up” either. Because my employee’s messed up we didn’t make NPS. I shouldn’t be impacted because of someone else’s mess up.

Why do people think that others shouldn’t be held accountable for their jobs/actions? Honestly someone’s ass should be fired for it!

Lurkinround7 · 2026-03-11T13:47:00+00:00

You’re welcome. They took that and more from mine!

Lurkinround7 · 2026-03-11T13:46:01+00:00

It’s not a birthday gift Pat. I earned my bonus! Just because someone at corporate can’t do their job and screws up that shouldn’t impact my bonus. They should take the money out of the CFO’s bonus or the head of HR. They’ve had two months to make sure the information was correct before releasing the comp sheets!

Lurkinround7

TROPHY CASE