In Part:2, I left off feeling hopeless and overwhelmed and making a muck of my finances. So you know what will cure that? A wedding and building a house of course! Instead of trying to strategize a way out of debt, I put myself further into it, under the illusion of needing to ‘be an adult’ by marrying someone who also had their head in the sand financially and buying a house together. Totally the right call… Nope! The debt from those two decisions made everything so, so much worse. Add on top of that my car kicked the bucket and that super awesome best friend canine of mine was getting old and expensive. Talk about a sinking ship that is nearly at the bottom of the sea. Hey, I’m not pretend
As you recall from Part:1, I was just leaving university with about $45,000 of debt baggage, a car full of my stuff, and of course my trusty dog. I moved to the east coast where a musician seemed much more appreciated. I immediately picked up some work teaching piano at the conservatory and as a teaching assistant at the university. But even after that, I was broke. Pretty sure I lived off of peanut butter sandwiches for too long, while the poor dog was living on ‘Ol Roy. So I picked up more work as a waitress to try and make ends meet every month, and I was still in the red month over month. By that time, those student loan payments kicked in, and after I paid my rent there was almost nothi
People often feel empowered when they hear personal stories of overcoming obstacles. For some concepts to truly resonate with me, I like to hear what someone has done to meet their accomplishments and spend time wondering if their strategies would work in my shoes. One of the biggest things I’ve learned through my years of teaching, and then on to financial planning for families, is that everyone needs a personalized strategy that will work for them. For example, let’s talk about this whole 4am club thing where people are up before the sun and getting their workouts in. Well, good for them, but 4am is not for me. I know at that hour I have no strength, would need to go to bed at 9pm (no way)
