Thank you all for your comments, both on this post wishing me and mi’lady happiness together after one year, and on this one, offering suggestions and advice and sympathy on my work and life situation. All of those comments were really helpful, and helped me see my situation a bit more clearly. Having folks listen and getting their input, especially folks who are in or who have been in similar situations (isn’t that everyone, though?), is so, so meaningful.

I think you’re all right. You’re right that I need to figure out what’s right for me, and do it. You’re right that I need to carefully weigh my options and have a plan. You’re right that I should decide what’s most important to me right now. You’re right that I should know that whatever decision I make isn’t wrong or right, it’s just a decision, and it’s not ultimately determinative.

So here’s the thinking I’ve been doing since reading all your comments.

- I’m not very good with money. This is for many reasons: (1) San Francisco is friggin expensive. (2) Mi’lady and I don’t live together, but we do spend many evenings together, and we haven’t yet mastered the skills involved in planning ahead meal-wise in the most cost-efficient way (i.e., we’ve found it’s oftentimes more cost-efficient to get cheap take-out than it is to buy ingredients necessary for cooking, but with a lot more planning and kitchen resourcefulness, this shouldn’t be the case). I spend WAY too much money on food. (3) Cabs, Zipcar, and Caltrain. While, yes, San Francisco has public transportation, it (a) isn’t terribly reliable if I need to be somewhere by a specific time and can’t afford to miss 3 hours of work to be there (e.g. for a doctor’s appointment); and (b) doesn’t extend in a cohesive fashion beyond SF, so that whenever I visit my grandparents in Palo Alto I spend $12 round-trip on Caltrain PLUS cab fare to/from the Caltrain station (because, hullo this is really dumb planning, the Caltrain station in SF is off in bumfuck and it takes me a good hour by public transit to get there when it’s only a 6 minute cab ride), OR I just take Zipcar, which isn’t cheap either. So I end up spending $70/month on my Muni pass and at least $150/month on cabs, Zipcar, and Caltrain, but probably more like $200. You tell me: is this reasonable?

Okay, I’ve gone on waaaaay too long about money. Next item.

- In addition to being bad with money, I’ve got excellent benefits at my job, and since I’m on prescription meds, and am currently undergoing an expensive but insured orthodontic treatment (straightening my bottom teeth, which were not-very-noticeably crooked but which were exposing my gums to decay) I’m loathe to give this up.

- I’ve got three applications pending for graduate school. This means that within a few months, hopefully, I’ll know whether and where I’m going to graduate school. This is a pretty major consideration, since it will give me a much clearer idea of what the next few years of my life will look like, and will give me a natural out of my current job.

- There’s this nagging question, though: if I don’t do it now, then when? I would love–LOVE–to have time to work on my projects I’ve been wanting to work on. One of them is getting back to playing piano much more consistently, and finding some other (queer?) folks to play chamber music with. Maybe do something fun/eclectic with it, who knows. Another is writing about this thing I’ve had in the back of my mind for years, and it’s sort of gasping for air now while I’m holding its head underwater. But what time do I have now to work on this? I don’t. What time will I have while in grad school? I won’t.

So, all these considerations in mind, here’s what I’m thinking.

Before I do anything, I need to know whether I’m capable of living on a shoestring budget. This means I need to design one, and implement it. Preemptively. While I’m still employed, all the extra money can go straight into savings. And this will take some tinkering, I’m sure. I’ll start cutting back bit by bit. Can’t cut back on rent, but I can certainly do my darndest to cut back on food and cab rides. I’ll figure out what the least I can live on is, and then I’ll plan around that.

And then I’ll make sure I know what the health and wellness resources are in San Francisco, should I be uninsured. Would I still be able to get my prescription at an affordable price? Are there therapy clinics for the uninsured/unemployed? Could I learn how to find alternative methods of therapy, like reading or doing meditation or something like that? Or at least make sure I have enough cost-free self-care and wellness initiatives to counterbalance that need?

And then I’ll think about alternative (part-time?) sources of income. Can’t rely on writing or activism, at least not yet, but there’s the substitute teaching option, and I could nanny (LOVE small children) but would need references (start off small by babysitting?), or I could bartend (anyone know of good/cheap bartending classes around SF?), or I could temp, or I could … ?

And then I’ll wait and see what happens with graduate school. I wouldn’t leave my job before early in the spring anyway, mostly because I’d need to give my employers a great deal of advance notice (out of courtesy, not legal necessity), and hopefully by then I’ll have heard back from the graduate programs. And if I know, okay, this is 5 months of living unemployed, then that seems very manageable. If I don’t get into graduate school, then I’ll have to start figuring out how I can leave my job and have a backup financial plan in place, so that I don’t find myself just indefinitely unemployed and getting increasingly depressed because of it.

But, however it turns out with regard to graduate school, I’m going to start planning now for at least a 4-month “sabbatical” either this summer (in the case of grad school) or next fall/winter (in the case of no grad school). Which means first and foremost: budgeting. Maybe I’ll start after Christmas? Turns out Christmas with divorced/-ing parents is mightily expensive. My sister and I realized that if we want them to get any gifts at all, we’ve got to be responsible for them. Sigh.

Oh! And I have the MOST amazing Christmas present to mi’lady, hence the title of this post (she now has the link to this website and reads it occasionally): a vocal effects pedal! She’s been talking about wanting one for months, in that way you talk about things you lust after but know you can’t have. They’re, gulp, pricey, but I can afford it while still living within my income and she’ll be SO happy. I’m a bit apprehensive, just because I’m not sure if it’s a model she’ll be excited about (I know nothing about such things, and only picked the model based on doing some internet research), but we’ll see… I’m giddy with excitement about giving it to her!!