This Thing Called Life

     It seems like I am always contemplating getting a second job to pay off debts. I looked at my student loan accounts yesterday and with the minimum payments I am currently paying, I will be paying on them for ever. I would like to pay them off so I could put it towards my mortgage or build a bigger shed. I'm just not sure what type of part time job to look for and when they ask why I want to work there should I be honest and say it is to pay off debts then I'm out of there? I also wouldn't want to start a second job, end up liking it, and letting it consume my free time. There is more to life than just working it away. Since buying my home, I have become more frugal with money and I've cut back on a lot of useless or wasteful spending. I do pay an extra $20 here and there towards the loans but it does nothing. I'm sure I'll figure it out at some point.

     The other day I went to Barnes and Noble with the guy I'm currently dating so he could pick up textbooks for his new semester and it made me sad that I was no longer in school. After LPN school I kept telling people it drained me and that it would be too expensive to go back. Plus I feared my anxiety and depression would hold me back. But today I looked at the college site that currently offers the LPN to BSN program I've always wanted to attend and I have decided I will go back and get my Bachelors because that has been my long term career goal for the longest time. Yes, that means more loans, care plans, tears, stress, and hair pulling but I will do it. My plan is to pay off my community college, enroll again, take the placement tests, and knock out the prerequisites I need to apply to the BSN program. My plan after paying off my community college is to ask if I can have Mondays and Wednesdays off or Tuesdays and Thursdays so I can take more than one class to get t...

     It is taking every ounce of me to continue this program and finish. 95 days is not very long but battling depression during the process makes everything ten times harder. I am depressed because I have no life, no money, my boyfriend is deployed, and I hate having all of this debt lingering over my head. Plus I can't contribute to my relationship financially due to going to school full time instead of working. I t really sucks that my job doesn't need me on the days I have off from school and clinical. I'm willing to work they just don't need me. I know I've talked about this crap over and over again but it bothers me. 95% of my attitude, sadness, and stress would disappear if I could actually pay this debt off and start making a decent paycheck I want to be able to buy a lot of groceries to cook nice meals for me and my boyfriend. I want to be able to buy him anything he needs or wants. I want to be able to by myself new nursing supplies or Vera Bradley bags. I...

     Sitting here on my laptop filling out surveys makes me realize I would be 95% happier if I could actually start paying off some of this debt. I do surveys and stuff on Cashcrate but I want to be able to pay multiple bills at one time. I know I complain about this all the time but it seriously frustrates me. I have a lot of bills that aren't priorities like my car payment, car insurance and such. I want to start paying off my medical bills and I would love to pay off my community college. I send $10-$15 here and there when I can but I'm starting to wonder if that strategy is even worth it. What if I just saved up the total amount I owe for these places that aren't charging me interest (thank you). Some are charging me interest but I try not letting it bother me. I'm also very frustrated because my personal property tax was just sent to me, a nice $129. Where the hell am I going to find that? My money tree? Yeah, okay. The crazy thing is that I thought nursing sc...

     Today I received an email from my loan officer regarding my school loans. Since I was supposed to graduate last month and didn't, I had to update my enrollment status. I decided to look at my account details and see exactly how much my loan for them was....a whopping $19,933.70. I almost threw up. That is a lot of money. I'm already paying $50 a month on my Sallie Mae loans for school, and now seeing this number makes me nervous. It sucks that I am trying to have a career and make more money to take care of myself and buy myself nice things but for the next 5-10 years of my life it will all go back to paying off my student loans. I am proud to be going to school but at the same time, I see why people don't want to go to college or trade school. Everything in this country costs so much money and it seems like we are being financially punished for wanted a trade or a career with skills. So with all of this being said, I really want to try and work more to start se...

     Being a student automatically puts you at risk for bad credit. Due to the debts I have from my previous community college semesters, switching cable and internet companies, and other miscellaneous bills, my credit has been effected. Credit Karma is a decent tool to see a range of where your credit score falls into. Mine according to Equifax is a 617 and the other company they use says it is a 627. I'm not on the completely horrible side, but I'm sort of knocking on the door. I'm truly trying to pay it off. Whenever I have extra money even if it is just $10, that is $10 less that I will owe whoever I decide to send it to. Being an adult sucks sometimes. If I knew back then what I know now, I wouldn't have wasted my paychecks from my first job on the stupid things I did. I also wouldn't have wasted so much time at community college. I would have saved as much as possible to get me out of financial ruts. The biggest part of life is living and learning. I have lear...

     When I started school full time I knew I would build up debt. Every college student is in debt whether it is hundreds or thousands of dollars, debt is there. I have always stressed about paying my bills and paying things off but now that I have left school and started working both jobs full time again, I actually realize how badly I am in debt.      It isn't like I'm not trying to pay this debt off because I am. Even if it is only $10 a month. If that is all I can afford, than so be it. That is $10 less in the hole. What I don't get is how these companies I owe keep calling me repeatedly telling me I owe them such and such amount and it is past due. Yea no shit. That is what happens when you try going to school to better yourself and end up broke because your in class all day learning and testing instead of working.      Don't these companies realize that if I had the money to pay them back like the millions of other Ame...

     For the last two weeks I had picked up extra shifts at both of my jobs in hopes of making enough money to actually pay all of my bills due at the end of each month instead of playing the "which bill is more important to pay" game. Well those hopes were lost quickly because guess who is short $300? This girl.      I've been applying for jobs closer to home and ones that pay the same or even higher. Between both checks I received $378. My car note is $280. That leaves me with $98 to split up and put towards my credit card bill ($25 minimum), my school loan payment ($25 minimum), and $38 left to go towards my furniture payment or my phone bill which is $46 total. Somehow I still need to find $115 for my car insurance, $131 for cable and internet, and the remainder of my phone bill. So needless to say that every penny of this paycheck is going straight towards bills and I will have no gas money or grocery money.      Si...