The Past, The Present and The Future: A Blog Update

I think it’s about time I updated this blog on how my financial endeavors have been going.

Hell let’s be honest here, they haven’t been going anywhere.

Stagnant.

Stuck.

Frozen.

Not much has gone on since I last regularly updated. I’m still trying to find a decent job so I can move up north. I can’t move without a job so I’m having troubles with that. My kids are moving for good in just over a week. They will be starting school on August 24th and I will not be up there to see them (I am going to try to go for the day since my “baby” is starting kindergarten.).

After they’ve started school, I’ll only be getting them on weekends. We have yet to decide how many weekends a month. This stays the same until I am in the same city as they are living. At that time, we’ll move to joint custody. It has been very very difficult for me to come to the point where I can say that I will not break down and fall apart when this happens. Earlier this year, the thought alone made me cry and curl up into the fetal position.

I did apply for graduate school. My hope is to start this fall quarter. That program starts in exactly six weeks from today. I have yet to receive a decision. In fact, they have yet to make any decisions. I was told it could still be 2-3 weeks until decisions are made.

This is cutting things way too close for me. If I wait for the acceptance ( and I WILL get one) then I have just 3 weeks to find a place and move up there. Not sure how that will work out. If this falls into place, I have decided to use student loans to cover any expenses not taken care of with financial aid. I will go to school full time and work as a substitute teacher to pay for living expenses, student loans will also help with this.

I do not know if this is a wise decision. It may be a short term solution for what will become a long term issue. Taking on more debt is probably not a wise choice but I have a few reasons why this may be the right decision.

I was substitute teaching this past spring (let’s not even get into WHY I wasn’t doing it sooner!) and I found that I really did miss being in the classroom. I inquired about teaching again with the State Department of Education and found that I could not teach in a classroom for anything more than a substitute without taking 12 semesters hours of schooling. Eventually I have to get a masters degree if I remain in teaching.

Enter grad school.

And so, I wait.

In the mean time I am trying to find a place to live. I have received some money from my mom (we’ll call it the “Get the Hell Out Fund”) which will cover the move, deposits and rent for a month, MAYBE two depending on how much rent costs for a month. The problem here is that apartment complexes are not interested in giving me a lease. Thanks to a couple of years of bad luck my credit is shot. I also do not have a co-signer. I’ve been trying to find a place that isn’t in a complex, maybe a sublet from someone or a person who owns a house and will take pity on this kind soul.

Ideally I will find a place in the next week or so and move in on September 1st.

All in all you can see why things have been quiet here. I just haven’t felt like talking about all of my mistakes lately. They have come back to haunt me and sometimes I feel like they are ruining my life. Debt can truly destroy more than just your credit, I’m living proof of this.

 

I have recently begun a new blog called A Five Star Life. I was inspired by the wonderful women of #BloggyCon to start a second blog where I can talk about interests that just don’t fit on this blog. I went live this week, I hope you’ll take a look at it.

I also blog at A Five Star Life. I write about anything that comes to mind but try to focus on finding the good in daily life.