My Life is a Movie & Smooth Sailing

I watched two films on student debt last night. Watch them both here:

circa 2007: "Default: the Student Loan Documentary"

Let this be a lesson in:
A. Compounding Interest: aka the snowball effect...don't let it happen to you!!
B. private student loans: avoid them at all costs

Default: the Student Loan Documentary from Krotala Films on Vimeo.

circa 2011: "Scholarslip: a documentary about the student debt crisis"

Take aways:
A. Consumer protection for student loans don't really exist
B. Eep!


Smooth Sailing

In other news, I'll be in NYC next week for the first week of my new job! Woo hoo! Super excited.

Also, I realized that I'll need to hustle if I want to be out of debt by 30. I turn 28 in less than a month and my prolonged (fun)employment didn't result in the $7k contribution to my loans that I'd hoped for. I'll come up about $17k short by 30. This just means I'll have to make up for it over the next two years.

I'm about to embark on a lot of large expenses (just signed a lease on an apartment, have to get a car and furniture!). But built this into the model and will adjust as expenses get locked down (ie. once I know how much my utilities and car insurance will be). I also need to increase my income. I know I can make more through my photography/film business. So I started promoting a bit more and will do so even more once I'm settled into the new job (~3months).

But there are still a few questions up in the air: How much should I save for retirement, if any at all? Maybe I'll go back to living with roommates in year 2 (when I'm 29). Will I get a raise/promotion my second year on the job (but can't plan for that)? How much do I save going forward for the short term? Blah blah blah...I'll get there. This is actually more fun than daunting. It's pushing me to be more creative, ambitious, and growth oriented towards my business. To paraphrase the artist Robert Brunner, 'A smooth sea does not a skillful sailor make.'

This will not be smooth sailing, but man, am I excited to for this journey!

(Am I being naive? Nonetheless, I'm taking a deep breathe and setting sail.)



I cleaned out my inbox today. I had 5 yesterday and zero emails today. This is the second time ever.
I know... I'm a little OCD... and I love it! tee hee :)

JOB!!! YEAY YEAY!!!! (April Update 2013)

My week wasn't crazy, it was cRaaaaaZy!

In the last 48 hours I looked at 3 apartments, applied for one, took 24hrs to decide on a job offer, considered moving across the country to run away/towards my problems, had an existential crisis, didn't go to the gym per aforementioned crisis, was approved for an apartment, accepted a job, signed a year lease, and got over my narcissistic existential crisis. Phew! cRaaaaaZy!

In short, I accepted a job! Finally! It's totally awesome, I'm super excited, and I start April 15th. Woot woot! I also signed a year lease for my first apartment without roommates. Watch out, I'm pretending to be a grown-up! Oh boy. Step back before ya'll hurt yourselves!

I managed to stay under the recommended 30% (after taxes) on rent (and I didn't have to sell any internal organs - go savings!) and can't wait to get setup. I do however cringe a bit at myself for not having roomies and trying to pay down my debt. I know if I really want to do this, then getting roomies would be more economical, but so would living in a tent on a campsite, and having no mode of transportation...but I think my psychological stability depends on at least one year of independent living. I've been living in temporary living situations (with ALL of my possessions fitting in one checked bag -- I know, I'm a packing beast) for 10 years (yep! 10.) and I'm just ready to finally stop and breathe for a second (or a year). After signing the lease I took a deep breathe and my inner hippie thought: "Finally, a place to spread my wings and my soul to rest."

Here's the only lousy picture I took. They're fixing the kitchen and redoing the carpet so it'll be about a week before I move in.

It's a bit difficult to budget because I have so many variable (furniture) and unknown (utilities, car, etc.) expenses. I'm ball parking high and with some buffer to be safe, but as things solidify (and I get a bed!) then I'll be able to better estimate. That'll probably be around early June (after 2-3 paychecks). I'm trying not to get too nervous about my g.o.o.d. goal until then. But at least I paid down 1.21% in my last few months of (fun)employment/freelance income. And now that I'm employed it can only get better...right? right? eep! I hope so!

Nah, I'll be aight. :)

Or will I!? Dun dun dun...Stay tuned!
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