why so much money. im proud to say that i graduated college on my own with no ones help till my last semester when i was loaned out and needed help.got help from alot of people who i thank everyday! but i honestly didn't do it on my own. i really made it thanks to loans. i want to thank sallie mae, privat loans, apr, income based(speech award). lol but i GOT IT DONE. BSN nursing.
i graduated two years ago now and have starting dealing with loans in a bad way. so i decided to blog about it. write down my ups and my downs.
i was doing great paying my loans on time. im glad i picked a career that i make enough to pay my bills. i use a whole paycheck to pay off one month of loans. 1200 paycheck in loans each month. buut if i miss one day of work im screwed and i did due to back injury.and that was when it all went down. you miss one bill then you say i can catch up and then your behind so fast that you can't do a 49ers comeback!
i also saw a suze orman show one day and then analyzed my life and saw that i was living paycheck to paycheck(still am for now) something has to change!
so this is day one of my 160,000 loan! i know i won't be able to pay if off in one or two years but i am determine to pay off as many loans as i can wth many sacrifices on the way.
my background
im hispanic, the only boy, and one of the few that got a college degree from my block. i am not using spell check for this blog because i just want to type what i feel and have no time to go back and check for grammar. there will be alot of run on sentences and bad spelling hahahai was raised to be independant at a young age with my dad in jail. i was the only boy. i worked my first job at 16. every paycheck went to help out and buy clothes. enyce, rocawear(trying to be ganster lol back in those days). now i wish i can go back and redress myself. lol i have two sister. one younger and one older. my younger one i believe is the richest! no loans, no car payments, no leased apartment. but she is also living pay check to paycheck but better than me. my older one has a great job but she buy clothes constanly and has a child and her own loans. no car payments and no lease in a house or mortgages but still living payycheck to paycheck. i want to be different!! half of the people i live with are living the same way. paycheckc too paycheck. i don't want that for my life, my future wife and kids.
im not being negative. im so happy to have a degree in something. especially nursing. as hispanic and male i am more likely to get a job which make me very thankful. i just wish i was better educated about my college decisions. about signing those loans(soul to loans) lol i signed one loan with an apr of 10%!!!! are you kidding me!!wish i had more education when i was 19-24. now im 28 and have bills bills bills. i just wish i was more educated about my decisions. and this blog and other will help.
january 2013
GOAL- FINANCES IN CHECK
i knew first thing to do is to pick up extra shifts from all the articles i read. i was behind a couple of months in some of my loans. SO this month was about getting my finances in check. calling all my loans and checking what i can do to catch up. And all of the loan company helped me out. off course that meant more money in the long term by doing a forbearance, but it had to be done according to them cause i just didn't have enough to catch up. but i did accomplish my goal for that month which was to let all my loans know that i mean business this time! goal- accomplished!
Febuary 2013
GOAL-PAY OFF CREDIT CARD, FIND JOB
This month is huge!! i knew i must pay off my bills and take this serious. so change had to happen. i love my job, but i was in michigan all by myself and was not getting paid enough to stay and i was going crazy with all the snow!! so i decided to get another job. one that will pay more and would be closer to family. much closer to family. my goal for this month was to pay off my credit card! DONE!! i paid it off with the 3 extra shift i picked up in january. i had to decide to buy an engaement ring or pay off the credit card. credit card duuh!! hahaha i know i have to eventually buy the ring, but i must get out of as much debt as possible!! pay off as much as i can now while still not married.
i also have decided to live my gf family/ and my family for a couple of months. that would save me about $600-$700 a month i can use to pay of loans. that adds in the long run. this plan is till i get married offcourse wth the love of my life. im only 28 and she is 21 so we have alot of time. but this is the year. i can't say when (she might be reading this) but it will happen. so i have to be financially fit because i do not want to be broke while married.. this month will be huge because i start working march. i get a big pay increase. i have to by an ezpass and will be spending a little more in gas but i think i save more than spent. for now im happy with my accomlished goal of paying off $1500 in my credit card. i have not cut it but its in the back of my freezer hahahaha.. goal-pay off credit- accomplished
o yea i will be working at the children hospital of philadelphia!! yeaaaaaa. i will learn so muuch and i feel i will truly touch many people lives as well be touch by peoples lives. im excited and scared because of the huge change in environment. from 25 bed to 50 bed unit. over 100 nurses. and more than 5 male nurses whoohoo. i been trying to work here since my senior year of college, but just don't get the interview. but i got it this time and i praise God!! God is amazing to give me this job. i became a nurse to help and show people christ threw my actions and healing. i want to still be a missionary but i must gain knowledge and experience first. this hospital will open my eyes to so much and i can't wait. so im so excited to accompliished this goal. goal-find a job- accomplished.
i won't be writing everyday but i will write good things and bad things.. lets see what happens rest of the month.
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