I have never had a luxurious lifestyle. Growing up in a 1 income family with 5 people things werent always easy but we got by. We had food on the table and clothes on our backs but nothing more. I was never the one to bring snacks into class or have extravagent birthday parties. I havent even had a real birthday party and I am 21. But again we made it by. I was always kind of the odd one out between me and my sisters. I was the one that enjoyed playin in the dirt or going to work with my dad. I was ok with wearing hand me down clothes. I was not the smart kid in school. I wasnt the one that brought home spectacular papers that my parents could brag about. I did what I had to do in order to get by. I was never supported in what I wanted to do growing up. My parents more so my mom found it necessary to support my sisters. They really didnt care what I did but at the same time if I did something wrong I was sure to get punished. I didnt think it was a big deal growing but I feel that now its catching up to me. I need all the support I can get right now because life is changing and I am so super terrified of change.
For the last few months I have been trying to figure out how I am logically going to pay my student loans and still have money to live off of. It still isnt completely figured out and I truly am scared. I want to be able to support myself but I feel I wont be able to with the outrageous amount that they think I am supposed to pay. I had a meeting with a financial planner person that I was hoping would give me the answers that I needed. However the meeting was truly a waste of my time. I paid $25 for the session and all he told me was that my budget was coming up short. Well no shit sherlock. Hence the reason why I was coming in to see him. So absolutely nothing was figured out and I was back to square one.
The only other option that I had at this point was to ask my mom or dad to co sign on a consolidation loan that would extend my repayment period but it would lower the monthly payments and also lower the interest rate. Which would be super beneficial to me. However my mom proceeded to yell at me saying that it was just going to screw up her and my dads life in the event they want to re finance the house or buy a new vehicle. She didnt get the point that right now there are 7 seperate loans showing on their credit report and if I attempt to pay the $531 that they want each month and come up short they are going to put all 7 loans as past due. She doesnt care that potentially I could end up where I have absolutely no money. As long as everyone bows to her every need she is ok. I just tried explaining to her the consolidatiuon would benefit everyone but she wouldnt hear it. She said that if they were to sign for the loan than she would have to pay for Stacies wedding. But its not the sam. I am not asking them to pay for the loans I just need their simple signature. I got really frustrated and ended up hanging up on her. I dont need someone so negative like her in my life. She brings me down each and every day and quite honestly there is only so much one person could take. I havent talked to her since then and its been almost 2 days. Do I care? A lil bit. She needs to realize that I am not going to sit there and just take her degrading everyday. One day she may realize what she has been diong to be is wrong.
I have a possible plan that could help solve my financial woes. Its not fool proof but it could work. I had an interview yesterday for a rehabilitation place here in town and it sounds really promising. They pay your insurance and all that good stuff. And if my plan goes as i want it too, than i woudl still continue to work part time where i am at now. That would bring me right about where I need to be in order to pay everything.
thats it for now
ndgirl07 signing off
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