Sunday, January 9, 2011

Emotional

Wow last night was a tough night. I had a bit of a melt down about finances, more specifically student loan debt that is going into repayment. It is really overwhelming and I am not sure how I am supposed to live and pay them back. Especially since I have such a low paying job at the school, not that teachers make a lot but as an ed tech I make less than half what a teacher makes. SO last night I sulked, sobbed, and went to bed. My husband assures me that it will be ok but I just can't fathom paying $500 a month for the rest of my life basically. Especially when my take home is $600 bi weekly.

I just want to start a family and live a modest life. I don't need much but I don't want my child to feel like they went without like I did. I don't want them to avoid playing basketball because we cannot afford the shoes or not go to prom because they know we don't have money for a dress. That was my experience and I don't want that for my child. I want them to have what they need.

I know this isn't really health related but it is connected. Emotionally I was in a really bad place. I am still coming out of it. I realize I am lacking control. I am going to try to turn that need for control into my health. I can control what I eat and how I work out. I can control my choices.

6 comments:

Cassie said...

Not sure about if it applies to all student loans or not, but mine, I was able to go into repayment schedule that started out low and increased over the years as my potential earnings would increase. Perhaps that is something to look into? I live in New Hampshire, not sure if that makes a difference.

Food Coma said...

We are looking into a couple of options right now, including one like that that extends the payments. It is just all so confusing.

Cassie said...

I can imagine that it's very confusing. It was for me. I hope for you, that you are able to work things out and find a good solution.

Food Coma said...

Thanks Cassie, I hope so too.

The Shrinking Violet said...

I'm sorry to hear about the crisis. I'm sure you will work something out eventually. Control is especially important with finances I find.

Delighted you are still out there blogging!

Jazzie Casas said...

To quickly pay Off student loans look into what tax breaks you may qualify for by paying on your student loan. Tax breaks can really help you to save money so that it can be devoted to paying off your student-loan debt. Depending on what tax bracket you fall under and your job, you may be able to deduct your student loan payment from your taxable income. Consult with an accountant or financial adviser to conclude your eligibility.





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