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life stuff and xmas
17 years ago
General
So like, I suppose I'm getting ready for Christmas. Unusually, I've been not the happiest person this time of year, so for the people who care and stuff, thanks a lot for being around to cheer me up and all that. I'm hoping to get back into being productive sometime soon, and not as spastic with my contributions and all that other stuff. I've also been thinking about getting some people presents for xmas for my friends and family even though it's not the smartest thing in the world for someone who can barely afford it, lol... Not sure on that one just yet, but this site is an awesome place to get some cheap gifts (you can thank 
smithtv for that find)
Anyway, for those of you who don't want to torture yourselves hearing about the problems of others, you can stop reading now. Otherwise, I'm about to vent on some issues that have been bugging me lately. Here goes...
First, I'm totally not liking this job I've been having. It's been 3 years and while the job is relatively easy, it's a huge brain drain and I feel like I'm wasting my life away on it instead of pursuing a career that matches my life goals. That being said, it's putting me through school...
Speaking of, I'm also really close to graduating school and it's like, putting me at a crossroads I'm not sure I'm exactly ready for, despite the fact I'm a few years older than almost all of my friends and feel rather worthless in this regard because of what little I've had to show for myself the past hmm, 5 years or so. No grand works or projects completed, only some half-completed things really.
Combine both of those things above and it compounds the problems with the idea of complete independence from los padres -- this is something I almost never talk about, cause it's not like anyone has to know this or anything, but I pretty much still live at home with one parent since all my siblings moved (or were kicked) out and the other parent spends most of their time now working in a union manufacturing job (omg like the kind you hear about in the news) trying to I suppose help pay the bills.
My income level does not grant me the opportunity to live on my own without someone to help split the bills, which effects how I decide to proceed with these goals that I have -- I do not want to live with somebody who I couldn't stand or couldn't trust, so I merely choose to continue to live at home and indirectly help pay mortgage via a monthly rent.
I pay a portion of rent that amounts to about the same as I would pay if I were living with a roommate or a couple of roommates in this area. The main problem is that I don't really know anyone around here that I can trust who I'd be bothered living with, and I am concerned that moving out would lock me into this shitty job or to this area which would make it quite difficult to fully pursue a career choice which would make me happy. I think I felt this way by the time I had quit my last job, so maybe it's nearing the beginning of another cycle.....
The economy concerns me with regards to job opportunities and more specifically, loans. The United States is a society based around debt. I believe the majority of people are taught to be materialistic and am strongly against borrowing money to pay for things I cannot afford the moment I purchase the product. Thus, I've spent 5 years putting myself through school because I refuse to take out a student loan like the rest of my siblings. On the other hand, my debt is (and always has been) zero, which despite my current feelings of entrapment, is a form of freedom which I believe is paramount to a happy lifestyle and escape from modern enslavement.
Now, however, it might not even be possible to get a decent loan should I need one to purchase a new vehicle (mine's getting pretty run down after almost a decade of constant use, and it's an american car), or more importantly, to pay for furthering my education to receive a more prestigious degree than the one I'll be getting soon (I was thinking maybe a BA from Massart or something). These goals are really only intermediary things which I'd hope would give me access to opportunities to find a career path which makes me happy, learn how to live with other people, and give myself the financial security I need to return to my younger days when I had the freedom to explore all the opportunities given to me (and in the process, finish a lot of unfinished projects I began so many years ago).
As the time draws near to take the next step towards those ends, the path seems unclear. I'm not sure what's the first thing I should do next, or what I should explore. I'm afraid of taking unnecessary risks, since my financial security would be at stake. I don't want to potentially lock away my freedom and resign myself to any of those things, be it a shitty job, being stuck at home, not being able to finish my education or my projects, or anything like that.
I want to be able to be creative again.
Thanks for listening. :x
smithtv for that find)Anyway, for those of you who don't want to torture yourselves hearing about the problems of others, you can stop reading now. Otherwise, I'm about to vent on some issues that have been bugging me lately. Here goes...
First, I'm totally not liking this job I've been having. It's been 3 years and while the job is relatively easy, it's a huge brain drain and I feel like I'm wasting my life away on it instead of pursuing a career that matches my life goals. That being said, it's putting me through school...
Speaking of, I'm also really close to graduating school and it's like, putting me at a crossroads I'm not sure I'm exactly ready for, despite the fact I'm a few years older than almost all of my friends and feel rather worthless in this regard because of what little I've had to show for myself the past hmm, 5 years or so. No grand works or projects completed, only some half-completed things really.
Combine both of those things above and it compounds the problems with the idea of complete independence from los padres -- this is something I almost never talk about, cause it's not like anyone has to know this or anything, but I pretty much still live at home with one parent since all my siblings moved (or were kicked) out and the other parent spends most of their time now working in a union manufacturing job (omg like the kind you hear about in the news) trying to I suppose help pay the bills.
My income level does not grant me the opportunity to live on my own without someone to help split the bills, which effects how I decide to proceed with these goals that I have -- I do not want to live with somebody who I couldn't stand or couldn't trust, so I merely choose to continue to live at home and indirectly help pay mortgage via a monthly rent.
I pay a portion of rent that amounts to about the same as I would pay if I were living with a roommate or a couple of roommates in this area. The main problem is that I don't really know anyone around here that I can trust who I'd be bothered living with, and I am concerned that moving out would lock me into this shitty job or to this area which would make it quite difficult to fully pursue a career choice which would make me happy. I think I felt this way by the time I had quit my last job, so maybe it's nearing the beginning of another cycle.....
The economy concerns me with regards to job opportunities and more specifically, loans. The United States is a society based around debt. I believe the majority of people are taught to be materialistic and am strongly against borrowing money to pay for things I cannot afford the moment I purchase the product. Thus, I've spent 5 years putting myself through school because I refuse to take out a student loan like the rest of my siblings. On the other hand, my debt is (and always has been) zero, which despite my current feelings of entrapment, is a form of freedom which I believe is paramount to a happy lifestyle and escape from modern enslavement.
Now, however, it might not even be possible to get a decent loan should I need one to purchase a new vehicle (mine's getting pretty run down after almost a decade of constant use, and it's an american car), or more importantly, to pay for furthering my education to receive a more prestigious degree than the one I'll be getting soon (I was thinking maybe a BA from Massart or something). These goals are really only intermediary things which I'd hope would give me access to opportunities to find a career path which makes me happy, learn how to live with other people, and give myself the financial security I need to return to my younger days when I had the freedom to explore all the opportunities given to me (and in the process, finish a lot of unfinished projects I began so many years ago).
As the time draws near to take the next step towards those ends, the path seems unclear. I'm not sure what's the first thing I should do next, or what I should explore. I'm afraid of taking unnecessary risks, since my financial security would be at stake. I don't want to potentially lock away my freedom and resign myself to any of those things, be it a shitty job, being stuck at home, not being able to finish my education or my projects, or anything like that.
I want to be able to be creative again.
Thanks for listening. :x
ill wish you luck in life man, things can only get so bad befor they get better as they say....
I wish I could help. I definitely know how you feel. Even after coming out of college with a degree... I've spent the past few years flailing for a half-decent job. Only advice I can give you there is pursue a degree that WILL net you a job or don't pursue another degree at all. As much as it is popular to say that having a degree is an instant way in to good work... It is not and has not been that way for several years.
Good luck with your future, I hope you arrive at a satisfying conclusion :D
I also use it when I know I'll be getting paid, but don't actually have the money; e.g. I need to buy food, or books, or anything, and I haven't been paid, but I knew I'd be paid Thursday or Friday.
The only thing to be careful of is going over its limit, and also be careful of missing payments. If your zero it out, you don't need to make payments.
Building a good history is better than needing it when you don't have it. I had the same mentality, but my mother forced me to get one, and since, I've found it very much useful for almost anything, and with online banking, I can check my balance easy, and be aware of my situation constantly.
It seems like a lot of people these days are afraid of them because of debt, but the truth is, you can be in debt even without a credit card, and you won't be in debt WITH said credit card if you don't spend more than you have or will have. It's a convenient way of accessing money.
Remember that the life has also many surprises, try to be prepared for the worst scenario. Just like he said about building a good credit history, it might sound as something unnecessary now, but there are also many things you still don't know about the adult world mostly for not having the experience of living it.
Yeah, I know I don't sound convincing, but I'm awful at explaining things.
Best of lucks to you and for the paths you take in your life.
But theirs many programs to help you with paying for class's Like Fafsa or apply for a grant (some grants are free some are a Work grant type which you work for and helps pay for it), never hurts to try. Even some State Depts Will help pay for class's if you qualify. For grants Send in A form to everyone of them, Some might accept you and choose the best one or ones.
I actually was surprised to get a grant which helped me with my Real Estate Class's fee's and materials (depends on how many clas's you get sometimes having a full schedual is an ups but check). Getting a Credit Card is another good Idea, Building Up Credit line for a car is much easier, since some dealors will not sell a car to someone with no credit history, if some do they have higher percentage cost added onto prices or catches and you could get boned.
Also some cards have to be used in certian number of days, if inactive for a long time they'll cancel it and will count agianst you, so just buy something small and relativly easy to pay off and it helps it keep it active, like bill payments online etc.
Just check Annual rates and percentages used, Lower rates are better like Wamu. not having a credit history is a drawback to many car sellers.