Well it's official...I am so in debt that it's hard to breathe. I owe so many people so much money that it will take literally my entire life to pay it off. And almost ALL of it is interest. Money I'd never spent and now never will. I saw Michael Moore's SICKO yesterday and while some people may dislike him for ever and ever. I must say that this movie was excellent and he shows many ways that Americans are in debt that people in many other countries never would be. From having to pay for healthcare to having to somehow pay for medical treatment when you have no money to pay for insurance when something does happen..which eventually is nearly inevitable. There's that and education. So many nations offer free education for those that are interested and look at how many Americans are in debt due to education.
As far as education goes...most American students will leave school owing thousands upon thousands of dollars that will take them quite some time to pay off no matter what kind of payment plans they can get. But what happens when you are unable to get a job with your degree? This is the situation I've been in. Thanks to interest I am now forced to pay almost twice what it actually cost to attain my degree. And I'm the one who did the work to earn the degree in the first place. So now I have to work more hours at a job with which I am not happy just to pay off a degree that isn't good enough for a job that would allow me to earn what I would need to earn to pay it off.
I am sure that I'll bring up the other points over time. But suffice to say that there are so many ways to be screwed so easily. I plan to create a debt community site for those that have gotten out of debt one way or another and those that are in debt. It will offer support to those that are in debt. It will also help unite so many americans that are in debt (face it..that's millions upon millions of us). One thing about debt is that it makes normally non-selfish people worry too much more about themselves than they would normally. It separates us. The concept of the site, again, is to bring everyone together and who knows...perhaps it would help someone get something passed to change these sad states of affairs.
A) you shouldn't be in debt to the point that you are working your entire life to pay for something that has or would keep you alive. For some people it could seem better to just die than to spend the life that the procedure would give them paying to live. No one should pay to stay alive. Death is permanent.
B) Education shouldn't be comparable to gambling. If you risk putting out the money and doing the work for a piece of paper that ends up not getting you a job that helps you earn a large enough salary to pay it off..were you not better off not going to school, working a lower paying job and not worrying about losing money from a low(er) paying job?
C) Right now the US is facing its highest ever rate of middle class citizens applying for and being granted bankruptcy. Doesn't that say something?
It speaks to me loudly. And clearly.
But onto something undepressing.
etheracide is playing tonight! I am working so hard on drawing a crowd. It's the important show which is a memorial to Rob and also dedicated to my mom. It holds so much meaning for Chad and I and we really, really want our close friends to be there to share the night with us. We hope to have a good turnout to share the special night with us. I know that I promise video but I am praying that we'll get good footage from this show to post.
The guitar Chad was borrowing at the show two weeks ago was being untunable and therefore lead to a not-the-best-possible sound which we didn't want to put out there. But we'll see how the footage from this shows goes! Pray for us in all aspects.
I love you for it.
Goodnight you beautiful people.
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Luckily we're going up to only 86 or so again today. My trip in to work should be nicer. Since I am working 12-14 hours today and have to leave so early there should be relatively little traffic because it'll be 9am on a Sunday morning. And it's currently cooler out with an even cooler breeze which is great for me in a car without working air conditioning. And I won't be leaving work until 10pm at the earliest so it will be cooler out again. I get to spend the warmest part of the day in A/C at work. But it will be a long, exhausting day. Considering how exhausted I've been getting working just 8 hours.
But I need the money as they are not garnishing $48/week from my paycheck for student loans. I am calling them tomorrow because a) that payment is way, way too high and I need to get it knocked down because we have enough trouble trying to live without losing that money. They also say that I owe them $4,680+ which can't be true. They've taken my tax refund the past two years which is over $2,100 combined. And when I went to school I paid half of the tuition each term and they paid the other half. What I owe them is just a little over what my degree actually cost. And it sucks even more that I am employed with a job on which my degree has no bearing. An associate degree gets you nowhere whatsoever and now I'll never have money to go back to school to make it something better..even if I actually had the time to go back to school.
Thanks to my shift today I have to miss Rob's funeral service but my mom says that she understands. She was released from the clinic and one of her case workers found her an apartment with a roommate in Lansdale which is great. It's costing her a lot but atleast she has a place to live and she's not there all alone. She said that she needs to have all of the canned/boxed foods out of Rob's place so I can go and take as much as will fit in my car. Which will be very helpful as we haven't had money to eat anything but the food that doesn't sell and I write off at the end of the night at work. And it's rough eating that and very, very little else for 2.5 months.
Ugh. Had more stuff to hit but I have to head out for work.
Hope you all have a great day. Atleast I'll be making some money. Most likely not near what I'm worth as a worker. But it will help cover the garnished wages.
Rock on!
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