You tube education

I just wanted to put this out there. I am doing some research on how to sell my art. Because one reason I went back to school is to learn how to do this! Ha. Ok no degree but I'm still learning with out school.

I am finding some good information some bad information on you tube lately. I think once I figure this all out and if I do manage to create an income I'm making myself a you tube degree. lol. Between that and the internet I am learning more than what I did in the 4 Years I spend at the Art Institute online division!

If I only went this route in the first place I would be better off. Big old 60,000 degree down the drain when I could of gotten the same education for nothing. Yea I'm feeling the "If I only Knew then what I Know now" thing. lol.

Things happen for a reason. I am sure my big old mistake going back into the world of education was not that big of a mistake. But lesson learned there are just some things you can learn on your own and you will do just as good or better down the road.

Most of all just because path one to a better life did not pan out, life seems impossible right now. Do not give up on your dreams, vacations, and other things in life. You can not possibly stop living because of the debt created by going back to school. The only thing you can do is work on a plan, stick to it and make the best of it. Save other wise for the things you want to do. A few dollars here and there and I mean a 1.00 here and a 1.00 there will add up in time. Get a budget in place and work on it monthly. Nothing even a huge life changing debt is not impossible to over come. It will just take time and hard work.

Credit card payments.

I talked to my credit card company this weekend. Not fun but enlightening all the same.  I figure hey I need to get them to stop calling for awhile at any rate. So we will see if they do. The girl said they  would. lol.. But one needs to do this from time to time when owing people money and have to make arrangements to work toward paying off that debt. Sometimes its just not as easy as it seems when you are limited in what you can send. 

But looking out into the future if I pay off this card, the car that will free up some money for student loan repayment. But we may have to purchase another car in the future as well. So there is always that possibility that payment will linger in the debt pool for a few years yet. We do have to get back and forth to work still. 

I"m still waiting to hear about my repayment options and if I was approved for anything. I hate waiting. 

Also went out on Sat and spent a little too much. :( Not that it was much at all but when one has debt to pay it was too much. I did have fun but really it was not a smart thing to do. That money could of went someplace else on the budget page. Lesson learned and we will be more careful in the future. I might have to stash away a little here and there in an envelope for special dinners and what not. The guilt is just too much when one does not plan for things like this. 

Also caught up on 2 bills. That does fill good. :)  

I picked up extra time at work this next week too. :) It does not happen often. As much as I hate going in on my day off I am. I will appreciate it when the pay comes in the mail. 

The end of the month is looking a little better. A few more dollars to stash away for extra down on bills. Hope I can keep this up for the rest of the year. 

Ebay has been a bit slow. But this is clearly something I will have to do daily and list stuff daily to keep up with it. So yes I think it will be a summer time thing when I"m not working. 

I"m also researching how to sell my art more too. I went to school I better put something I learned to work. I"m not great but there is a lot of people making money off their art that is not great either. I want in on that. 

Guess the week has been more productive than I thought. Here is to the next week. Lets see what we can accomplish toward the debt.  

Sallie Mae, IRP and now we wait.

I filled out the paper work, talked to a Sallie Mae representative and found all my information from Sallie in a spam box that I hardly ever check. I do now because some important stuff got sent there. :(  I had my mail switched back to snail mail so I know that I will get any important papers I need.

So now I wait to see  what the results are. I"m sure there is going to be more to this process like sending in pay check stubs or income tax information or something along those income lines. I'm still sending in payments to the one bank that has 2 of the loans.

I have to bring something up that all of this has caused. Something one does not think about when going back to school in order to get an education and find a good paying job. I never thought about what if  I did not finish or graduate and what would I do??  To me that was not an option because I have started school before and quit before and I knew this would be my very last chance. And here I am no degree and a large loan and it has caused problems in my life that I never dreamed up. It has upset my marriage in ways that I never though something like this would do. And it will take a long time to get things back on track and right again. Or my marriage or life may never be right again. I do not know only time will tell. Right now the mere mention of money, bills, vacation or anything that concerns large amounts of money is off topic or we tread lightly. The future as we know it is uncertain in ways that I never though it would be.

While I work on finding a good solution to the current problem there still lies a much larger problem at the end of this rather large bill. Lessons learned that I am passing onto my daughter so she does not make the same mistakes I did.

Right now I have worked up a small budget and I realize it will chance from month to month. I have to keep on top of it as much as I can. So far its working and its hard but its has shown up where our money is going so that is a good thing. We both are aware to take advantage of any opportunity to make extra money when we can too. For now I'll have a savings for just school loan money until I can see what will work best for us. I think for this year I can stash money into the savings. I also decided to have another savings too for things that come up that we need money for. I have done this before and it does come in handy. So I"m working on building that up again as a safety net for us. I decided to work on a vacation fund too and find ways to take small trips on the cheep. We need to get away and I might end up calling in a favor this year or next spring. I have not decided yet. It all depends on how much a hotel room is and how many days we will stay. Gas prices also is something to save up for. Not to mention food. Its a small goal. Just something we need to do for our marriage, our sanity too. I know it sounds a bit crazy but I hope we can manage this one small thing.

So while waiting to hear back about the income repayment plan I am thinking of ways to divide up bits of money here and there to stick and stash into savings or change jars. Small bits of a few dollars here and there will add up.

Income repayment update.

I signed up for the income repayement plan. I also called Sallie Mae to find out what to do next. Since I was not getting any emails that I knew of. I had to search out my span folder in order to find any communications with Sallie Mae.  I told Sallie Mae to just switch me over to snail mail so I'm sure to get their invoices and updates and what not. I have also put them in my white list box in my email so if I do get something I am sure to see it. At least I hope I do.

I had to go on a little deferment again. :( Just until they review my information and make a decision on what my payments will be, or what ever they do. Most likely my information is waiting in a long line of other students applications waiting for the same thing. One would think in the computer age this might be a faster process for some reason??? Oh wait we are dealing with the Goverment so well No.

The Art Institue is trying to get me to pay off their bill I owe them. lol. Kind of funny in a way. If I had the amount they are offering. Which is 1/2 of what I owe I would gladly get them out of my hair. But sadly I do not have that in one lump sum right now. But the amount I owe is going down. A little light at the end of the tunnel. Although I think they would like to get me out of their hair. lol. Something tells me having my debt and others like it on their books does not look so good.

So at this point I'm waiting. That is all I can do right now.