Money

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.

new years goals 2017

goal

financial – i want to continue as much as possible what i have been doing for the past 4+ years. continue to save money once it was between $25 or $50 per paycheck and these days i often save about $75 per paycheck. i also have a 401k so i also resolve to pay attention to those assets which are important for the day i’m ready to retire and i hope that’s years away. if i keep saving i’ll be ready for this next step.

transporation – i’m a creature of public transit and don’t see that changing in the near future as long as i live somewhere with a decent system. one way to be mobile and go places where i want to go that isn’t easily accessible by public transit is to have a car. it’s probably the first investment i can make and hopefully i can find something to pay cash with and hopefully not wipe out a significant amount of my own savings. and this investment i can put forward on another vehicle at the right time.

real estate – to start i would like an apartment this year finally move out on my own but that is only a start. my ultimate goal is to own a home, hopefully several piece of real estate around the city and hopefully in part of town that are expected to grow in the future. one pipe dream in a place with low property values to custom build a home of great architectural significance. but that means i better have some cash put away so that i can afford that.

travel – last year i went to a reunion on the west coast. 2017 hopefully i can find somewhere to go that i’ve never been. just spend a weekend there. as long as i have the financial resources to do that it’s something worth doing.

work – i want to get promoted at work. i have been lucky to have gotten promoted to full-time at my current job in 2015. as of now i want to get into a leadership role and hopefully there are two possible paths whether or not i stick with the grocery store or i go back to the movies. in the latter case i have to return to the company i had worked with for 7 months and it was a great period of time, but due to my schedule i couldn’t do both when i finally quit. time to come up with a good plan for that…

hobbies – i’m big on photography mainly streetscapes and architecture. not only that i like to take video though at this time it’s most on my smartphone. i need to change that and go back to using a real camera or camcorder. hell, i’ve thought about going to my local cable access studios and taking some classes in tv production. it would be cool to take a hobby to another level and share with the general public. perhaps become a side hustle

love – as always it’s a long term goal and few prospects. thing i must figure out is how to change this. while i am a virgin it’s not just sex i want. although i’ve entertained the idea of having sex with a dear friend who cares about me it’s still important to make that connect with a woman who wants to be with me. that’s far more important than to just lose my virginity. of course the main goal is marriage and i hope i can find someone who doesn’t want to waste time in going in front of the justice of the peace for example. perhaps this is something – to find that special woman – that i really want and need to crack. where do i start aside from online dating (which will be the subject of a future post.