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April 8, 2015

Seeking Financial Advice

I just looked over my finances and did some calculations to see how long it would take me to pay off my student loans.

Bachelors degree: Paid off long ago (thank goodness)
1st master's degree: No debt--science, got and lived off my stipend (thank goodness)
2nd master's degree (yes, 2nd... hey, I'm not the only one): Debt up the ying-yang

I don't know where my head was for that second master's. I was feeling ambitious and idealistic and since I chose the local, state school over the expensive, hoighty-toighty, across-the-county private school I just didn't look closely at my finances. I figured with in-state tuition, it couldn't be that much, and also assumed there was no financial aid available since it was in humanities. Wrong, wrong, wrong. First of all, I could have applied for a TAship or RAship my first year, which I had no idea about. I blame both myself and the program for lack of communication. But second of all... I just didn't really keep tabs on my finances. That's a huge shame-on-me. And now I'm paying for it. Literally. (And, of course, I accrued as much debt as I would have at the hoighty-toighty school, but over twice the amount of time, which kept me out of the workforce longer.)

I really, really, really hate debt. I can't pay off my debt nearly as fast as I'd like. (And by as fast as I'd like, I mean, you know, like... now.) So I'd like to find some additional sources of income. Writing, maybe photography... Maybe I could write for some money in the evenings? It would have to be something not super taxing, since my day job is pretty full-on. But man, it would be nice to get these things up and done. Any ideas? Investments? Hard labor? Odd jobs? I can be odd...

Posted by beth at April 8, 2015 5:18 AM

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