PoliceLink Feedback & Feature Requests >> From the Desk of TheSarge >> The Mystique About Overtime

+2

The Mystique About Overtime

224 Views
13 Replies Flag as inappropriate
Surf_2014_max50

5892 posts

back to top

Posted 10 months ago

 

Being a law enforcement professional a lot of the time offers overtime at work. This is usually at time and a half. Ocassionally, a department will go double time. Even rarer are those very few agencies who offer triple time. I heard rumor of one agency that did that.


Overtime can pad your salary a bit. However the department sets up the processing of overtime (OT) in their Memorandum of Understanding (MOU) will be unique and specific to that agency. We could 'bank' our OT up to 240 hours. If you earned 600+ hours in a quarter, then at the end of that particular quarter, they paid you down to 240 hours.


I learned from my very first FTO to not live off of your OT. Just hold it in your payroll account. Learn to live on your basic salary. If the wife/husband works, then work out a strategy to make the combined salaries work. In essence, do NOT live over your head.


So, ok, I did what I was told. And the FTO was right. I avoided the pressure of always seeking out OT because I didn't live on it. The OT I did make went to fun things, vacations or big cash expenses. I bought cars with cash, not financing. All credits cards were always paid off. The only thing I paid monthly on was food, gas, utilities and my mortgage.


Back to overtime. OT can sure come in handy but to count on it to meet you monthly household budget can be rough.


And, constantly working can surely take away homelife.


Thoughts?


 


 


The Guy !
Photobucket

Honoring the Fallen

Quickley-b240_max50

9306 posts

back to top
Rate

Rate This | Posted 10 months ago

 

I could look back at my social security statements they send out and tell you what years I worked O/T, had it not been for the part time jobs I would not have met my quarters of contributing to S.S. but I digress, I was one of those that lived on my P/T  to get things for the kids etc, the Sarge is correct in what he says, pay attention he is a smart man.


"The hottest places in hell are reserved for those who, in times of moral crisis, do nothing." Dante

MODERATOR #2
PL Mentoring Team Member

Photobucket Honoring Our Fallen

Somegiveall_max160_max160_max50

1341 posts

back to top
Rate

Rate This | Posted 10 months ago

 

I agree with TheSarge to live within ones salaried limits and bank whatever overtime monies one makes for large purchases such as an automobile or a nice vacation and such.  But, the addition to a few ankle biters (kids) around the house and their accompanying health bills and education, clothes etc, makes overtime, any, a relief to the paycheck, AND THEN THERE IS THE FEW (HA) OF US WHO HAVE GONE THROUGH A DIVORCE AND SUDDENLY OVERTIME puts food in your mouth and helps repair the 68 jalopy to keep you on the road since the ex got the house, car, furniture, dog, and all else and you got the bills. (nah, i aint complainin.)

Rcsd04_max600_max50

617 posts

back to top
Rate

Rate This | Posted 10 months ago

 

 Bump!!! Great advice. Could not agree more. I also agree with bill9823. Sometimes the regular paycheck doesn't cut it on making the bills and other things around the house. You may have to count on OT to make it.


You wouldn't go in there for a million bucks...A Cop does it for less...A Reserve does it for free....

Eagle_and_flag_max50

7232 posts

back to top
Rate

Rate This | Posted 10 months ago

 

I learned a long time ago to not count OT or Off Duty wages towards your monthly budget. This was told to me by an Officer that began working a lot of Off Duty jobs and began living within that budget. He had an issue once that banned him from Off Duty Employment for about a year. As a result, he almost had to file for bankrupcy. Valuable lesson.


I use my OT and Off Duty just as the Sarge does - fun things, vacation and traveling. I haven't be able to pay cash for that car yet, but I'm still hopeful.


In GOD We Trust (All others get searched, then checked through NCIC)

MODERATOR #10

Photobucket

IN HONOR OF OUR FALLEN

Mardi_gras_cat_max50

5143 posts

back to top
+1

Rated +1 | Posted 10 months ago

 

I bought a motorcycle with OT money. It took me a year and a half to save up to pay cash for Jethro (yeah, that's his name). Sarge is right, don't depend on OT to meet your monthly bills.  I see a lot of the youngsters buying new trucks'/cars, boats, off road vehicles etc. They have young children and wives who work and struggle to make ends meet.  Financial stress is, in my opinion, a huge nail in the coffin for some marriages. Being married to a LEO has enough stress without adding money woes. 


Photobucket

~I wondered why somebody didn't do something, then I realized I was somebody. ~ unknown

White_shirt_max50

4772 posts

back to top
Rate

Rate This | Posted 10 months ago

 

I agree. OT also cuts down on play time. I was married to a nurse at the time and she was the real bread winner.

Bronzestarribbon_max50

1931 posts

back to top
Rate

Rate This | Posted 10 months ago

 

Budget cuts also make department heads reduce the overtime spending, by restricting the call back or call out opportunities.  Life is good when its good and sometimes it gets rough.  BUMP to what has been said here...

Suit_max50

489 posts

back to top
Rate

Rate This | Posted 10 months ago

 

 If only my parents were able to read this years ago.  They always lived above their means soo much that sometimes even OT didn't help them.

Img_0010__2__max50

2473 posts

back to top
+1

Rated +1 | Posted 10 months ago

 

 Great topic, Sarge. This should be part of the "Become a Cop" section. 


PL MENTORING TEAM MEMBER

"Don't underestimate the drawing power of the Garden State." From the film "Dogma"

Trying to stay sane in an insane world...

Fish_cop_max50

576 posts

back to top
+2

Rated +2 | Posted 10 months ago

 

BIG Bump to all the contributors,


 


Live within your means, Keep in mind if your spouse works but she going to not when you have kids can you pay your bills on your salary only. These might mean you don't have the Giant house but it's the people who make a home. Toys are nice but are they wants or needs. We are not going to get rich as police officers but live within your means and you should be comfortable. Bank your overtime if possible.


All honestly,


In my case I have not had a raise since 2004 and work as much overtime as I can just to make my bills and have some hopefully to take care of those unforeseen problems like your washing machine going down for the count and with three little girls you can't survive without one. My wife went back to work last year to keep our girls in private school, our choice but we sacrifice to keep going. Our vehicles are each over a decade old but in good condition. I also trust God will meet our needs and a few of our wants.  

Online-photo-sharing-gallery-animal-cat-cougar-artct45_max160_max50

6130 posts

back to top
+2

Rated +2 | Posted 9 months ago

 

WAIT ONE DAGNAB MINUTE !!!! WHATAYOUMEAN !!! PAID OVERTIME ????????? Working for a State LE agency we DON'T GET PAID OVERTIME !!!! We get what is called K time so you can take off. At the end of the fiscal year they may pay some of the K time but not all.

You always have to live within your means. When hubby lost his job last year guess what we found out? Yep we do just fine on my salary so guess what ? I have a house husband !!! It is soooooo nice not having to worry about taking the daughter to the ortodontist or med. appointments. He keeps my yard looking nice and even washes dishes and does laundry !!!!!!! Pool is always nice and ready to be used. He even cooks !!! (well too I might add). Yeah, we tightened the belt some. We don't go out like we used to, also daughter is going to wait another year to get her DL, didn't take a vacation but guess what, bills are paid and we are happy. That is all that matters.


PL's Mamacat

Wredcedar_max50

1226 posts

back to top
Rate

Rate This | Posted 9 months ago

 

Cat_D says ...


WAIT ONE DAGNAB MINUTE !!!! WHATAYOUMEAN !!! PAID OVERTIME ????????? Working for a State LE agency we DON'T GET PAID OVERTIME !!!! We get what is called K time so you can take off. At the end of the fiscal year they may pay some of the K time but not all. You always have to live within your means. When hubby lost his job last year guess what we found out? Yep we do just fine on my salary so guess what ? I have a house husband !!! It is soooooo nice not having to worry about taking the daughter to the ortodontist or med. appointments. He keeps my yard looking nice and even washes dishes and does laundry !!!!!!! Pool is always nice and ready to be used. He even cooks !!! (well too I might add). Yeah, we tightened the belt some. We don't go out like we used to, also daughter is going to wait another year to get her DL, didn't take a vacation but guess what, bills are paid and we are happy. That is all that matters.

Why would you need a vacation when you live in PARADISE?  Whenever i stop a LA vehicle the tag alwasy says sportsman PARADISE on  it. 


For me OT was always saved or used for 'fun things', a luxury not a necessity.