good things and bad consequences
Find a Conversation
|Wed, 06-04-2003 - 8:44pm|
Here's the story: I got through college on loans, credit cards and working part time. The job for which my degree qualified me turned out to be something that I don't like, and doesn't pay the bills. Since leaving college my debt has actually risen (I'm not counting student loans - couldn't pay 'em if I wanted to, so they are on forbearance until I get something worked out). I am now in a place where it is almost not possible to not use my credit cards, because after minimum payments, bills, etc., I either never leave the house, and barely eat; or I go ahead a charge one night a week to save my sanity and see friends (and still not eat too well).
Between the job dis-satisfaction, and the fact that not only will I likely never clear $30,000/yr no matter how long I stay (let alone retire!), I've decided to go back to school, get the degree I should have gotten the first time around, and go from there into a field where I'll actually be able to pay my bills, and maybe even get some health insurance. I've decided not to worry about the student loan debt for the time being. That can be put off without damage to my record, and I should be able to start making payments after I graduate anyway. My problem involves getting there.
I have to move from Washington to Pennsylvania next month. When I had a car accident a couple months ago, I managed to find a Blazer to use to help move. Unforeseen repairs (I even had it inspected before buying!) have drained every penny I'd managed to save for the move. The U-haul trailer is going to cost me almost $700. And will have to be charged. If I am to have any hope of showing up there with enough cash to rent an apartment, I need to charge gas and lodging all the way there. I'll be traveling with two cats, so I'm going to need motel stays to get them out of the truck for a while. Of course I have to eat between here and there. Again: charging it. In order to pay bills during July (since I'll be moving, not working) I have to take a loan advance. But wait, I just balanced my checkbook, and I don't even have enough money to pay for this month because I'm not working the entire month, and had unexpected expenses last month!!!
In short: in the long term view, I know I made the right decision to go back to school. In the short term, I don't know what to do! Even after selling everything of any value I own at my yard sale, I still anticipate being $500 short of the cash I think I'll need upon arrival. That doesn't even begin to consider how I'm going to manage credit card payments on a part time job, or how very, very, very ill I'm going to be when I get that first statement!
Arg! And tonight I'm planning to go purchase travel supplies for the cats...I'll have to charge it - don't have it to spare in the bank. But I need to get there with my cats ok. And I already had to spend money on myself today to: the last bra I own that wasn't held together with safty pins now needs safety pins.
In case anyone reading this hasn't guessed already, I really just needed to vent. Thank you. And ANY advice would be GREAT, because I'm feeling really lost.