What are you doing on New Year's Eve?
{This is adorbs. If you haven't watched it yet, you need to!}
I thought I had it all figured out. I had the sparkly dress and the hotel room. Plans with friends. Things didn't work out. Husband has to work later than expected and who wants to rush to make it to check into a hotel before midnight? {We'd have to drive almost two hours to get there.} The cancellation fee was the same price as the room. Do you what's fun? Getting paid to stay in a room that you can't use. We are trying to find someone to use it so it doesn't go to waste, but in cancelling the room... I was charged earlier than expected {i.e., I got paid today and not yesterday when they ran my card.} It set off a pretty big financial windfall that feels impossible to recover from. It's certainly not a good way to begin the year.
I work for a non-profit. I *love* my job. I have never been happier. My commute is 5 minutes. I enjoy the people I work with and the tasks that I complete. However, I have my Master's degree and I'm sure you know non-profits don't exactly pay a lot. Those loans will have to start being paid off soon (like... this month), and my salary just doesn't have that much wiggle room to even begin to think about paying off my educational debt. Where do I go from here? As the new year begins, it's really hard to feel the positivity that it will hopefully bring.
I'm certainly blessed to have a job--especially one that isn't terrible. I've had a lot of awful jobs in the past and took the hit to my salary to be happy. However, happiness can only go so far when you're struggling to make everything work. If just one unexpected charge through my bank account throws it into turmoil, things aren't as rosy as I would have hoped by now.
I always say... well I'll be back on track next month. And, next month rolls around and something else happens.
I never post anything that is slightly negative on here, but I had to type it all out. Maybe you will understand. Or have advice. Maybe it really will get better next year, next month. Maybe even next week. Maybe things will straighten themselves out.
People make do on much less than what I have, so I do realize how lucky I am. There are times though when I want to get ahead and not just get by.
---
Google recently released their “Zeitgeist 2011: How the World Searched” and the video was set to Mat Kearney’s [who I love] “Sooner or Later.”
It's been one hell of a year. Maybe I should just remember I have everything that I could ever want and things aren't that bad. :-) I mean, I did splurge on some lobster tails and steak for dinner tonight. I have a bottle of pink moscato bubbly chilling. So... it's not my fancy New Year's out and about, but at least we will be together. There's something to be said about that.
10 comments:
I KNOW the loan repayment feeling, but I just applied for Income-Based repayment until I have a rocking income. (Maybe someday!!) If you can, give it a shot...if anything it helps for awhile.
Happy New Year!
Now that we have Rylee we haven't been out the past 2 years. As much as I do want to go out I always think about the crazies and what if something happens while she's in bed sleeping & we're out having fun. So, we grill steaks & get drunk at home now. ;) It's different than the other NYE we have had, but totally worth it- I understand!
I feel the same way about my job and the fact I love it makes me want to stay in the same field for a very long time :-) Hope you guys have a happy new year, lobster and champagne sounds amazing to me :-)
I'm so sorry you have all of this going on, Krystal. Have you heard of the blog "And then she saved"? You should check it out. She has some good advice and some motivation and hopefully will help you. And at least you do have that you like your job. That's something to hold onto tight when things like this do happen. I hope that you find someone to take the hotel room.
Bummer about the hotel room! You should check to see if you can get your student loan payments deferred for a while. I got my payments lowered for a year because I was making crap at my first job out of school. Money problems suck and sometimes it’s hard to see all the good in your life, but it seems like you are holding on to that. Stay positive! Sounds like you'll have a nice low-key NYE. I'll probably be asleep before midnight. Womp, womp.
I know I'm seeing this kinda late but have you thought about putting it on craigslist for a cheaper price? Maybe someone will see it and want to get it. Hang in there girl, I've had my account screwed up like that before and it sucks.
Girrrrl, I am about to relate since I'm losing my job in 30 days and determined to find something that makes me happy instead of just allowing me to buy myself nice things and a nice apt...I am a very firm believer in everything happening for a reason and I know it will all work out for you, esp since you are so not a negative person by nature. Even if it feels like it sucks right now
lobster tails aren't half bad :) so life can't be too terrible. i feel you on the financial hardship. it's often a sacrifice to do what we love instead of what makes the money. in that respect, i don't have a lot of advice for you. especially with respect to student loans. i have them too and it sucks. then again, i wouldn't trade my master's degree or those years in grad school for anything. if you want to open an etsy shop in 2012, then you should definitely do it! and if you ever have specific questions about running it, feel free to send them my way. happy new year!
xo,
courtney
I'm sorry your NYE didn't turn out like you had hoped, but sometimes those are the best nights! I can totally relate with one transaction totally screwing you up, the good news??? That was so last year :)
I can totally relate - when I worked, we had a financial cushion but since I've been home with the kids, it's a lot tougher and just the smallest thing can really mess up the whole budget.
Definitely look into deferring your loans. When my dad passed away and I moved from TN to OH, it took quite awhile to find a job I was happy with and paid well and so I had them deferred until things got better. You do still get charged interest of course but student loan interest is pretty low. In the long run, it might be worth it to have the extra interest until you have more wiggle room - lord knows most of us will be paying off student loans until the day we die anyway!
Post a Comment