FPU Virtual Group

Hey guys! In May I’m going to be leading an FPU group virtually, for people who have a hard time getting to regular classes. I’m a stay at home mom, so I feel your pain! Let me know if you are interested!

Why would I lead a group you ask? I’m obviously really struggling with money, because I’m talking about my worries about it all the time! I’m leading a group partially for me, because I want to keep learning and keep doing the class. I’m also leading a group because there are things in FPU that have changed my life for the better already, and I can see it changing even more as I go. Baby step 2 is HARD and doing it with a low income when the rest of your life is crazy is even harder, but we are doing it, and we are so proud of how much we have changed thanks to Dave Ramseys influence.

Positive changes in my life since doing FPU-

1-we were finally able to get to baby step 2, after YEARS of trying.

2-We stopped our credit card downward spiral that started during our move across the country/HG pregnancy/premature baby/job loss

3-My relationship with God has gotten better

4-We got my daughter the mermaid I wanted to get her for her birthday.

5- We are cash flowing the chaos of the past month of our lives.

6-God has provided for us every time we just couldn’t take it anymore. The change hurts and He’s not making it too easy, but He is getting us through it

7-I started submitting my writing and my screenplay is being read by two different film industry professionals right now. Also, the author of a book I love responded to my blog post about the book.

Face The Red

Well, you know a problem has gotten bad when non-profit organizations are made in its honor….but this video is comforting, at least for me. There is something about art that levels the playing field. It reminds you that you are only human, suffering the same nightmares as everyone else, and somehow the monsters become less real.

Student Loans…

Mini-Rant: Student loans make me super angry, they are ruining my life and the lives of everyone I care about. Yes, they gave the amazing opportunities to get a great education, and I realize that the blessings I received at Ave are beyond priceless, but does that mean that we literally have to pay for it forever? We will never know what it feels like to not have the need for money breathing down our necks, whether we are responsible with our money or not.

Researching tonight I have learned that Student Loans are BAD and you shouldn’t get them(ooooo surprise), that if you have them you should pay on them(REALLY?), OH and guess what? BARELY ANYONE HAS THE MONEY TO PAY ON THEM.(And by that I mean not anything really substantial, I don’t count maybe being able to pay a little of the interest) except for this one lawyer I found. He makes over $50,000 a year straight out of college, and you know what? He wanted to pay his debt off in three years, he didn’t buy clothes, fixed his car with duct tape, and basically didn’t spend money on anything for all three years. And he managed to pay them off. To be perfectly honest, I  do not want to stop living for 5-7….possibly even ten years to pay my student loans off. I don’t think I should have to never, EVER eat out, never buy a shirt I like, never go to the movies, never get a new car, never have my own house, never go to f-ing Europe where I have always wanted to go, SO BADLY, never see my friends who live in other states, never even go to their weddings, because there is this damn monster looming over my head threatening me all the time. You have to pay me, you have to pay me. 

There are also bullshit government programs that will supposedly help you pay off your debt. IF you work for the government and have already been paying for 120 payments, at least. That’s ten years. I am sorry, but the amount of worry and stress I am in, I really hope and pray it doesn’t last for ten years. Talk about ulcers. 

I’m not the kind of person to ask for handouts, and as mopey and whiney as I sound, I want to pay my loans back, but I make 14,000, owe almost $70,000, and that 70,000 is just growing.(I just found a house in Houston that costs that much money, I could buy a f***ing house with how much money I am out) But if you look at the cost of living, living outside my parents house probably costs me….hmmm 13,200, which means basically that after taxes, I have nothing left. And that 1100 by the way, is cutting everything really small. That’s living with two roommates, and having about $100 a month for things like clothes, contacts, emergencies, etc. Sure I could cut that back and maybe have $50 a month, or I could get a second job, which is what I am about to do, and then hopefully I’ll be able to pay back, oh who knows, like $300 a month. That’s interest at least, on the $20,000 loan I have from grad school. Fan-f***-ing-tastic. And research tells me :Start paying now” well f*** you guys.

You know, I’m not an angry person, but this issue is just too big and for all those who ask (of my anger) What would Jesus do? I’m going to take initiative from one of my favorite memes and say He would start flippin’ some damn tables.

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