I Quit My Job + What’s Next | I don’t have a budget for May | May Financial Reset + cash breakdown

Added: 2026-05-09

[00:00:03][music] >> Hello everyone. Welcome or welcome back to Cash and Calling. Thank y'all so much for clicking on the video. This will be a May financial reset and as you see from the title y'all, I quit my job and we're going to talk all about that y'all. Yeah, it's a lot. It's a lot. I am hopeful that May will be good for us.

[00:00:24]I'm not going to let myself get in a place of doubt. I'm going to trust God through the process, but we're going to talk all about what's going on with me quitting my job. What's next for me as far as career goes. We're going to talk all about that. So, this video is going to be a little different in that I don't have a lot of numbers. I just don't know and right now I can't even make a solid guess on it to be honest you guys. So, we'll talk about how we plan on bridging some stuff over and all of that. So, my name is Britney. I am 38 years old. I'm a wife. I'm a mom of four. We have two boys and two girls. I currently was I was >> [laughter] >> So, this is where I sound so used to saying it, but I was working full-time as a nurse practitioner and I'm prayerful to be working soon again full-time as a nurse practitioner and my husband, we combine income just in case you are new here. So, we are a combined income household. I was getting paid weekly. He was getting paid semi-monthly. So, that schedule has changed and like I said, we're going to talk all about it y'all. So, we have a lot of debt currently. We have student loans and we have our mortgage and those are the only two debts, but it's a lot of debt you guys. Our debt totals over $200,000.

[00:01:48]So, I want to go ahead and let y'all know what's going on. Let's get into the numbers. All right, I'm going to clip my microphone.

[00:01:59]All right, y'all. Let's go.

[00:02:07]Okay, so like I was saying, I don't have a lot of numbers as far as income goes, y'all. Everything is kind of out of sorts because like I said, I quit my job. So, what happened was I ended up 2 months ago just randomly getting a text message from my old colleague and they were telling me about a position at a company I had already applied for and it was nothing but God opening the door for me and I realized that immediately. If you want to hear more of the testimony, stay tuned to the end of the video because I don't want to front-load this with a lot of information that people didn't click on the video for, but just know that God is good and he opened up the door for another career path. I have not started the new job yet. So, I have not started yet. I'm still going through a credentialing process, so they have to get me approved with insurance companies and all of that, but I am no longer with my previous employer and I left on very good terms. I honestly, I loved my job.

[00:03:16]I was there for 6 years. It's been very good to me, y'all. It was very good to me. I loved the people I worked with. My manager, she reached out on my last day.

[00:03:26]She was very kind and let me know that I could come back whenever I wanted and that is a blessing in itself. So, I'm forever grateful for that season of my life, but it's time to move and I'm excited about the door that God has opened, but there will be a gap of pay.

[00:03:44]So, I don't know how long the gap will be. I'm praying that it won't be too too long, but until then, our plan is going to be pretty much to do what we can. So, take care of our four walls, not necessarily worry about all the sinking funds and all that. If we can do it, that would be a blessing, but it won't be a priority right now, especially in May and June. Prayerfully, we will be back to some sort of schedule. I do know that the new job that I will be going into, it will be getting paid bi-weekly.

[00:04:21]So, I will no longer be paid weekly. If you're a bi-weekly paid employee, please let me know what works best for you. I am still thinking about This is my plan or my thought process, but like I said, let me know what works best for you. My thought process is to get that two-week check and just split it into weeks. So, divide it in half and do still do weekly budgeting. So, that is my plan. I've seen other people do it that way, and I think that may work. I'm just not sure if I want to do it that way. We will see, but getting paid weekly versus bi-weekly is very different. Yeah, so we'll have to figure out how to bridge everything. The last resort will be to pull from our emergency fund. So, that will be the last resort going forward, but it is on the table if we need extra.

[00:05:15]Not necessarily our emergency fund, cuz we have other savings as well beside our emergency fund. So, we will start with that first, then emergency fund will be the last resort, but I pray that we don't get there. I will get a PTO payout, so vacation time payout, and prayerfully that will help us bridge the gap between getting a paycheck at the other job. So, hope I explained all of that correctly, but there is a lot like I was thinking I I will have a gap in my dependent care FSA, so we'll have to start back paying tuition regular. I do still have some money in the dependent care FSA, so that will hopefully help that bridge, but I will no longer have that till I transition to the other company. I will not be able to contribute to 401k, of course, so it will be a gap in that. The health savings account, there will be a gap in that and the new company does not have a health savings account. They have what is called a HRA and I had never heard of that, but that is a health reimbursement account. So, they put money in that account for you to spend and I don't know which one is better, to be honest, because with the HSA, I could contribute a lot. I had a max, I think it was 7,000. Somebody correct me if I'm wrong, but I did try to contribute as much as possible to the HSA. So, that's going to be different. That's going to be different and we will see, but I definitely wanted to get y'all a update.

[00:06:51]And like I said, if you want to hear like the testimony behind it, stay tuned till the end and let's go ahead and get into the actual budget. So, like I said, income is a blank because I just don't know, y'all. Tithes is blank as well because tithes are based on income. So, >> [snorts] >> I'll be giving y'all updates weekly, let y'all know how it's going and the progress at the new job or when I'm transitioning over to the new job. It's just a process and I am having oral surgery soon, so I wanted to take time off to have my surgery, recover from my surgery before I started the new job.

[00:07:33]So, it's working out how I wanted it to.

[00:07:36]It's just a little bit of the unknown on when I'll actually get a paycheck from the new job. Bills will have still have to pay the girls tuition, that's $1,252.

[00:07:48]Xfinity is $62. Our life insurance is $62. That's whole life insurance, that's for me and my husband. Student loan, I'mma put $60 still on there. Utility bill, we're going to put 150 is the plan. We are ahead on our utility bill, so that's a bill that we don't necessarily have to pay and we'll be very good, but the goal is to still put that 150 on there. Our mortgage is $1,400 and we are a month ahead on our mortgage. So, my mortgage is already been paid. Jones mortgage is already in our bank account. So, we're good there regardless and push come to shove, I just won't save anything for mortgage and I will lose that a month ahead, but that's okay. That's what it's for.

[00:08:38]Electric bill, we're going to put $150 on the electric bill. Google storage is $2.13.

[00:08:47]iCloud, $9.99.

[00:08:51]Apple Music is $11.76 and our lawn care, he comes every 2 weeks, it's $50 every time. So, the plan is to still pay him regardless because the grass does need to be cut and it is what it is. So, that is it for our plan, bills and we'll talk more about the oral surgery once we get a little further because I really don't have a amount for my oral surgery. So, I don't have a amount. They did quote me a price, but they said that may change, but we'll talk about that in just a minute. All right, y'all. So, let's go down to the sinking fund. So, spending money, I still have this category here because yes, we will still be getting spending money, regardless. I don't think it'll be $50. It depends on how it goes. Like, we might not skip a beat. I don't know.

[00:09:44]I I know we probably will because I only work the So, the week Not this week and not next week, but the week after that, I'll have one day on my old job's paycheck. So, that's what I'll really feel that the bridge that we'll need something a little extra. But, we'll see you guys how it's going to go, but we are getting spending money. I just don't know the amount quite yet. Gas, we're going to budget $400 for gas. We might not need that at all, y'all, because like I said, I don't have anywhere to go, at least for a little bit. And so, I will be in the house and my truck takes the most gas out of our vehicles. So, I put $400, but prayerfully, we will not go anywhere near that amount. Groceries, we're going to budget $700.

[00:10:38]Prayerfully, with me being at home, I'll be able to cook a little more. I try to cook, but sometimes we just have to eat out or do something really quick because we're both working. But, with me being at home, prayerfully, I'll be able to cook more and we can eat out less, y'all, cuz we have been, honestly, over the last, I would say, 2 weeks. Ever since our anniversary got canceled, we have been doing very poor on eating out.

[00:11:09]We've been eating out a lot. So, that definitely has to change, but like I said, we will see how it goes. I am looking forward to cooking more meals.

[00:11:18]Car maintenance is getting $200 is the plan. My husband did We did have to dip into the car maintenance sinking fund, you guys. So, of course, he had that big repair a few weeks ago. So, we paid that. That was $1,200. Now, he had like a leak or something, but it was minor. We only ended up paying like a little over $100 to get that fixed. So, we pulled that out of our sinking fund, and that is what it's there for. So, we definitely want to try to add back to that if we can. All right, y'all. So, that is it for our sinking funds. Let's go ahead and go to our virtual envelopes. So, we have vacation. We're not putting anything in vacation. We're going to start saving for Christmas. So, the goal is to put $100 every week for at least 12 weeks into Christmas to fully fund Christmas, and then we'll start back saving for vacation. This is how we save for vacation and Christmas every year. But, since we're going through some transitions right now, I would be okay with us putting $100 for May. Preferably more Preferably more is the goal, but we will see. We will see. Okay, our medical, this our health savings account currently has a balance of $529.

[00:12:43]So, y'all, they quoted me a price of $348 to have my wisdom teeth removed. I'm not sure if that includes the anesthesia bill. Probably not because from what I know, anesthesia is always separate. So, I think that's just for the removal.

[00:13:00]Now, she did tell me this price may change. So, we will see. We will see. I do have enough to cover that amount in our health savings account. I'm not sure if I have enough to cover if it is extra stuff added. So, but we'll see. I will have insurance to the end of the month.

[00:13:21]So, to the end of May at my old job, I will still have the insurance there. So, that's a blessing, and I will be taking on the new company's insurance. I was looking through at their insurance plan.

[00:13:33]I like the HRA. I think I like the health savings account better, to be honest. I guess it just depends on how much they plan actually covers and things like that. Insurances can be so tricky on what's covered, what's not covered, and all of that. I really have to do more of a deep dive into the insurance plan that they're offering to figure out which one, cuz there's two options for medical. And we'll go from there, y'all. So, Texas is getting $200 in May. I do want to start back saving for Mississippi state tax. It is that time, and we save for that because we always end up owing Mississippi with my new job. If they are taking Mississippi tax out, which I don't know yet, because I did fill out a W-4, but I didn't fill out a state tax form. Usually, you would have to fill out the state tax form, as well. So, if they do take tax out for Mississippi at my new job, I will stop saving for taxes. I will just be doing self-employment taxes when I pick up at my other job. So, that's it for our virtual accounts. Now, as far as debts, we're not really going to put anything extra on debt for the month of May, unless we can. If we can, that would be great. We are trying to pay down our mortgage right now, and we'll see how that goes, but for now, I'm not going to plan anything extra for mortgage debt and all of that. And prayerfully, we'll be able to still maintain our month-ahead buffer for our mortgage. If not, it's not going to be a big deal.

[00:15:12]I'm glad we saved it, and I'm thankful for that. So, that is it for our budget.

[00:15:18]I know it's not a lot of numbers or anything like that, but I definitely wanted to get y'all that update. So, now I'mma get into our testimony time concerning this job. I am so grateful, you guys. I am so thankful for the Lord and his wisdom and his direction. So, one day I was sitting in clinic, I was working, I was at work and my old colleague, one of my old colleagues, texts me and was like, "Did you ever apply to such and such because what's going on with your application?" Like I applied to this company maybe 2 years ago and she just texts me out the blue. Haven't really talked to her in a while, but it was good to hear from her. And I was like, "No, you know, I I really haven't." And I was naming out reasons maybe why. And she was like, "No, that couldn't be it." And she was like, "Give me just a minute. I'mma contact my medical director to see what's going on with your application." So, she contacted the medical director and she told me to email the medical director.

[00:16:23]They were expecting my email and to go ahead and email them and send them a copy of my CV or resume. So, that's what I did. I went ahead and emailed the medical director expeditiously. I like I did it in that moment. I already had my CV because I try to keep that up-to-date. So, I emailed her and she ended up calling me, y'all. The medical director like, literally, it was in like the next couple of hours and we talked on the phone. Honestly, it was almost like a unofficial interview, it felt like. She asked me some questions and I was just in awe of the character. Like, you know how when you talk to someone, you can kind of tell that they're genuine, that it's coming from a good place. That's how I felt. I just felt comfortable. I guess this is That's what I'm trying to say. I felt very comfortable. So, the place that I'll be working, they do serve underserved patients. So, they're patients with not a lot not a lot of resources and some lack insurance and other things that they are lacking. So, it's one of those environments and my original job as a nurse was in a level one trauma center in Memphis and I work with patients that were underserved. So, that is something I love to do to be quite honest, but what really sold it for me, we were kind of talking about the company and all that, but she prayed for me, y'all. So, after we got done, she prayed for me. She covered me and my family. I had never experienced it before.

[00:18:07]I had never experienced it before and y'all, I honestly felt and I'm not trying to be all extravagant or anything like that, but this is my experience and this is how I felt, but I felt the glory of God and it was a blessing, you guys.

[00:18:26]It was a blessing. It came at a time where there was so much uncertainty. If y'all remember like a couple months back, it might be two to three months back, my previous job that I just left, they had a meeting, y'all. They closed clinics in a region. All the clinics closed down. So, and it was due to financial reasons. So, I was like after that, I was like, "Lord, am I supposed to be here because what is happening right now?" So, for this opportunity to come forth, I am truly blessed. My schedule will be four days a week, but I am getting paid for five days a week. One day is at home at meantime. So, you get to kind of do whatever you need to do um far as closing charts and all of that. So, I love that it will allow me to be present more because at my previous job, I was working fewer days, but I was working longer hours. So, now I'll be getting off at a really good time. I can pick the kids up from school and I can do a lot more things. I can be involved in more activities. So, my husband really likes that. Yeah, I was working every other weekend at my old job. This job is every weekend off. They have all holidays off, paid time, paid holiday time, and the PTO package, the benefits package is quite generous, you guys. It really is. It's very generous and I'm thankful. It It is a true testament that you have to trust God. You have to trust God because I remember like talking to God about that whole layoff situation with those other clinics and I was like, "Lord, you have to help me because what is going on with this?" And for me to see now that he shifted me into another path that I wanted to go off. Okay. So, and this is the big thing about this job, y'all. Y'all know I've been talking about, "Ooh, I got a plan with my student loans, this, this, this." I've been talking about that for at least two months since I accepted the offer.

[00:20:38]And I just couldn't say anything. But, so because we the job does work with underserved individuals and people who don't have much and lack resources, it qualifies for a loan. It's a loan specifically for healthcare providers and they pay back your student loans.

[00:20:58]You do have to qualify for this loan, but it is a high likelihood that I would qualify for that loan. And so that loan, it pays you for working at a facility like that, basically. And it The more you work there, so they have different tiers, and I don't know if I'm explaining this right. I think there's tier one, tier two, tier three. But the longer you work at one of these facilities, the more they pay for your loans. So that is my plan for my student loans, and God has got me this far, so I believe him, and I trust him.

[00:21:42]I trust him fully. I trust him fully. So y'all um not going to listen to the naysayers, and I'm going to do what I know is open for me to do.

[00:21:56]So if you watched the whole video, thank you so much. Thank you so much. I want to share that with y'all, and I hope it blessed someone and encouraged someone.

[00:22:05]If you're going through something, whether it's a layoff, a transition, or whatever it is, I pray that you were encouraged. Just trust God. I know it's hard because it's been truly hard for me. It's been nerve-wracking to transition. I've been in my I was in my old job for 6 years. That's a long time as far as career when so many people are job hopping and not staying in place.

[00:22:28]That was a long time, and it's nerve-wracking transitioning, but I know that God has got me, y'all. So thank y'all for watching the video. I will be having my oral surgery soon, so y'all please send up a prayer for me. I would truly appreciate it, and thank y'all so much, and I will see you on the next one. Bye.