After my last post I got a LOT of great support. Lots of great friends telling me that The Man was most definitely keeping the educated muthas such as myself down, lots of great friends telling me similar stories. Or even WORSE stories, which didn’t make me feel better about my situation, but did give me a sense of solidarity that was comforting.
But, as money issues often do, the student loan thing sent me into a tizzy. I HATE it. I hate dealing with money, thinking about money, planning money… so I just… don’t.
I only open my online account twice a month, to pay bills. And I put that off until the absolute last second every time. Because I haayyyyyyyyte it. HAY-TUH.
Hubs has a similar approach, called “my wife pays the bills.”
I don’t think I need to tell you where that approach has gotten us.
Funkytown.
Many of the folks who reached out to me were Ramsey-ites. Now, I am not new to the whole concept, the debt snowball thingy. I even read one of his books during a particularly long layover once. But I guess I just wasn’t ready to hear it. Thanks to some good friends, though (and one friend in particular whose opinions I respect a great deal who basically proselytized the plan in such a way that I was goddam inspired)…
Now I am.
Now I am ready to put on my big girl panties and do this thing, because it needs doing and the problems are only going to get worse if we continue to ignore them.
I used to feel strongly that my kids would have to pay their way through school, just like me, so that they would know the value of that education. But knowing what I know about how digging out of that hole has been, and knowing that higher education is only going to get more expensive, and knowing that my children are preshus snowflakes to me? Not so much. So we need to get this shit straightened out so that we can start putting something– anything– aside for that.
So, we have started the snowball. Well. We started an excel spreadsheet. Which, you know, is a start. All goodness starts with a spreadsheet, no?
And holy cripes on a cracker what a punch in the schnozz that was.
Me no likey.
It was yet another opportunity to pick myself up off the bathroom floor, wipe off the tears, take a deep breath and move the hell on with fixing it.
It’s not awful. It could be a lot worse. It’s doable. Like losing weight, like anything worth doing, it is going to take time and hard work. But it’s possible. I see the light at the end of the tunnel. And it’s not even an oncoming train.
One of the side-effects of this little situation, however, is that he talks about how you should do whatever you can to pay off your debt. Take second, third, jobs. Sell shit. Sell plasma. Whatever it takes.
Well, um… if you know me, you know that I’m constantly taking crap out of this house anyway. AND there’s also not much I won’t do for money. But with Ramsey’s permission– NAY, insistence that I sell things we can let go of?
Let’s just say I wouldn’t leave anything lying around my house with a high street value.








