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I don't know if money issues is a topic that's not supposed to be discussed in a public realm, but whatever.
Last semester of college was pretty bad for me. Failed one class, dropped another, and passed the third one. This has caused me to lose one of my federal grants. And that's bad news for me, because I basically depended on those to pay for college. Now I'm a certain number in the hole. By the time I finish working at my current summer job, I'll have barely enough to pay for this semester but it'll take up almost everything I got.
When I look at my next semester, I don't see how I'm going to be able to pay off the difference. Working a job of any sort during the upcoming semester would exhaust me, and I don't know if it would even be enough to cover the next semester.
A moment ago I was considering not even going to college this year, but then I remembered my federal loans and wondered if they might kick in and start needing repayment. Sometimes, I really hate this world.
Last semester of college was pretty bad for me. Failed one class, dropped another, and passed the third one. This has caused me to lose one of my federal grants. And that's bad news for me, because I basically depended on those to pay for college. Now I'm a certain number in the hole. By the time I finish working at my current summer job, I'll have barely enough to pay for this semester but it'll take up almost everything I got.
When I look at my next semester, I don't see how I'm going to be able to pay off the difference. Working a job of any sort during the upcoming semester would exhaust me, and I don't know if it would even be enough to cover the next semester.
A moment ago I was considering not even going to college this year, but then I remembered my federal loans and wondered if they might kick in and start needing repayment. Sometimes, I really hate this world.
OK kiddos, student loan education time! Today we look at the federal subsidized and unsubsidized loans.
They both have a six month grace period which means you have half a year after finishing college or dropping below part time before the government wants you to start repaying the loans. So find those part time jobs - you're going to need them.
The interest rate for both of these is a flat 6.8%. You can pick 10, 15, or more years to pay it back but beware: the longer the time spent paying it back, the more you'll end up paying.
Subsidized loans are paid by the government while you're still taking classes, apparently. Unsubsidized loans are not.
They both have a six month grace period which means you have half a year after finishing college or dropping below part time before the government wants you to start repaying the loans. So find those part time jobs - you're going to need them.
The interest rate for both of these is a flat 6.8%. You can pick 10, 15, or more years to pay it back but beware: the longer the time spent paying it back, the more you'll end up paying.
Subsidized loans are paid by the government while you're still taking classes, apparently. Unsubsidized loans are not.
Now, my case is the interesting one. (No pun intended, but chuckle if it entertains you.) I'm barely, so barely, set for my upcoming semester, but I fall short for the next semester. Luckily I need not worry about my loans for another year or so, assuming I stay in school to finish my bachelor's degree. But paying what I'd be owing them immediately is the more tricky part. I won't disclose the number I need but it's a little hefty. In order to accommodate for it, I see myself going into "emergency save every penny oh my gosh free stuff I need that oh look a penny on the floor!" mode. Basically, save save save. Utilize every free opportunity presented - and there are plenty for college students who need them. Also, I would have to consider working during my upcoming semesters. That would be insanely difficult for me, I think, because it would cut away at time I could spend on classwork. But hey, frugality and hard work are virtues, no? Then there is also the option of working during the various breaks in the school year. I think there's one between semesters that's like a month long.
With a lot of prayer and a touch of mild insanity, I think I could pull this off. My main concern is the stress factor. I get stressed easier than I should.
Edit: Oh great, this is my 666th post. Somehow, it's entirely fitting.
With a lot of prayer and a touch of mild insanity, I think I could pull this off. My main concern is the stress factor. I get stressed easier than I should.
Edit: Oh great, this is my 666th post. Somehow, it's entirely fitting.
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Our little girl is growing up 
**happily remembers the roads of CO are safe
**happily remembers the roads of CO are safe
hahaha I haven't gone beyond the parking lot of my church yet...but soon. SOON. I shall roadtrip there.
How do ya like me now?! lol But yes, I'm growing up too fast. Even for me! Blah. The desire for independence tugs at my heart, but at the same time, so does the want to stay home for a few more years.
M
I have a bunch of things to do today. In town. And I can't just go right now, I have to wait until after 2 p.m.
In a way, that's good, because when I have to rush to leave the house first thing in the morning, I feel out of sorts. I'm not good at hurrying. But, I am also very big on procrastination, and sometimes the only way things get done is if I wait until literally the last hour before it has to be finished.
So, in another way, it would be easier for me to have to rush, rush, rush right now and just get this business over and done with NOW.
I start feeling anxious, and overly nervous, if I have to wait around to do something unfamiliar. I think it may be best not to give myself that extra time to sit and imagine all of the worst-case scenarios.
In a way, that's good, because when I have to rush to leave the house first thing in the morning, I feel out of sorts. I'm not good at hurrying. But, I am also very big on procrastination, and sometimes the only way things get done is if I wait until literally the last hour before it has to be finished.
So, in another way, it would be easier for me to have to rush, rush, rush right now and just get this business over and done with NOW.
I start feeling anxious, and overly nervous, if I have to wait around to do something unfamiliar. I think it may be best not to give myself that extra time to sit and imagine all of the worst-case scenarios.
M
hahaha I haven't gone beyond the parking lot of my church yet...but soon. SOON. I shall roadtrip there. How do ya like me now?! lol
But yes, I'm growing up too fast. Even for me! Blah. The desire for independence tugs at my heart, but at the same time, so does the want to stay home for a few more years.
How do ya like me now?! lol But yes, I'm growing up too fast. Even for me! Blah. The desire for independence tugs at my heart, but at the same time, so does the want to stay home for a few more years.
I still have the desire, every now and again, to live at "home". Haha, some days I just want my mom to take care of all the boring grown-up stuff again
So enjoy it while it lasts, cuz some aspects of being independent are no fun
C
I'm sooooo depressed. I think I'm going to have to give up running. -_- I was SO excited to run and train for the half-marathon in October but my joints hurt ALL the time. I've tried so many things to fix this problem and nothing helps. I usually end up with an injury and then I'm out for several weeks. I hate working out just to work out. I like to have a goal and succeed in reaching it. I feel so very defeated and it's completely beyond my control. I'm fairly close to crying at this point.
N
I'm sooooo depressed. I think I'm going to have to give up running. -_- I was SO excited to run and train for the half-marathon in October but my joints hurt ALL the time. I've tried so many things to fix this problem and nothing helps. I usually end up with an injury and then I'm out for several weeks. I hate working out just to work out. I like to have a goal and succeed in reaching it. I feel so very defeated and it's completely beyond my control. I'm fairly close to crying at this point.
Are you giving yourself time in between each run to let your body rest?
How long have you been running?
Are you trying to full out run or are you pacing yourself?
I've been running since i was 14, and when you first start your going to be in pain, your body isn't used to it. Don't give up.
P.s. Ice and advil work wonders.
Oooh, yes! Come to Colorado, I'll make coffee
I still have the desire, every now and again, to live at "home". Haha, some days I just want my mom to take care of all the boring grown-up stuff again So enjoy it while it lasts, cuz some aspects of being independent are no fun
I still have the desire, every now and again, to live at "home". Haha, some days I just want my mom to take care of all the boring grown-up stuff again
So enjoy it while it lasts, cuz some aspects of being independent are no fun
Just lemme get a job and my license and give it a year.
G
we should not give up things unless God gives them up from us. The things we like to do are ways we keep encouraged, crying to God is a good thing, it lets Him know you care
"Commit your plans to the Lord and you will have success." Follow Him.
The Lord leads
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The fear of independence from dependence growing up is rough but the Lord will never leave us nor forsake us and that next exciting point of the journey that is called your life will be a way that can make or break you, for the Enemy can and will attack weakness, so, give that anxiety to Him, those who are leaving the family nest and realize God will have you fly , perfect
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When we have a bunch of things to do 'today,' don't start off doing them without bunching your thoughts before God
see above verse from Proverbs 16 for what happens next
"Commit your plans to the Lord and you will have success."
Follow Him. The Lord leads
-------------------------
The fear of independence from dependence growing up is rough but the Lord will never leave us nor forsake us and that next exciting point of the journey that is called your life will be a way that can make or break you, for the Enemy can and will attack weakness, so, give that anxiety to Him, those who are leaving the family nest and realize God will have you fly , perfect
---------------
When we have a bunch of things to do 'today,' don't start off doing them without bunching your thoughts before God
see above verse from Proverbs 16 for what happens next
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C
I think I'm depressed. Overwhelmed and depressed. It's not good that everyone around me can tell that I'm overwhelmed. I feel like I can't keep up with life and I'm going nowhere. I try really hard to purposely be thankful for every little thing. "A thankful heart is a happy heart" and I totally believe that but when you live with people who aren't thankful...and who don't particularly like or understand you....it's rough. :/ I feel like I'm slowly failing at everything I'm trying to accomplish in life right now. *sigh*