In a recent post over at the other blog I shared a video that illustrates some steps you can take to get into control of your finances. It’s something I’ve begun to take more seriously now. My deal has been saving, however, my goal is to take control of my student loans which is the massive amount of my debt.
I’ve told you over time of my dealings with the Hustler. He knows I have student loans, and don’t really recall telling him how much. He knows my mother isn’t in the best shape healthwise and lost her longtime job and the last time he still came around looking for a small sum of cash.
The worst part is the man is in his 50s and he still has to resort to begging. And the history he has of it for whatever excuses he has – which included buying a hot dog from concessions one time – just let’s me know this is a recurring pattern he knew who to chase down for his needs. He knew how to adapt so that he can pull his target in.
Meanwhile what were my considerations?
Well I had one real setback which was the Calamity of 2017/Reign of Error. That was a setback, I had saved more money from the time I was at The Show to my time at the Hole that surpassed the money I had back when I was 18-19-20 years old due to having survivors benefits from my dad. It was an accomplishment though just a small fraction of the debt I hold. My optimism, allowed me to think it’s possible to whether the difficulty of holding such a large debt.
I made my goal of making $20K a year perhaps about 5 or 6 years after leaving the theater where I made nothing more than $12K/yr. I used that to put more money away and certainly to put a dent in my debts. Then here comes the set back and it was necessary to put a dent into my savings. In this case it was more to eat, and yes certainly it was to pay some of those debts though at this point I had an income issue which was for a brief period of time none were coming in at all.
The real income issue is making more which is why my long-term goal is six figures. There was someone at work who said be more realistic and in their mind – not the hustler thankfully – they were miserable where they were and saw no opportunities there. However that is an ongoing financial goal that I do have it will enable me to finally finish my debt once and for all and do other things I would like to do.
However, I can’t do that if there are people coming around looking for a small cash infusion. I definitely can’t do it only working $20K/yr and yes there were some good opportunities to get ahead. Unfortunately those opportunities lead to the idea that I just needed to slow down. Yours truly was forced to slow down ad realize that it’s not yours truly’s job to take care of those who come around looking for something. Will there be anything left for yours truly if anyone comes around looking for a handout and expects any without question.
So on this Easter as it closes, that’s where I’m at now. That’s why it’s time to follow Ramsey’s seven baby steps. And my income, my financial resources belong to me and only me. I should be allowed to do with it as I please. There is no obligation to anyone else, and especially outside of any family relationships.