Start Here

Today is the day… December 16, 2013

My mind suddenly rack focused and everything became clear. This is the day my debt started to feel real. Which is weird because I graduated college June of 2012 and have been making payments since December 2012. It being December 2013, the holiday season, money was especially tight. I over drafted twice this week. So I sat down to try to budget and only then did it truly dawn on me. All of a sudden, I am hyper aware of the reality of my financial situation.

I graduated from a private university in June 2012, with a Bachelor of Science in Computer Animation. I never failed a class, great GPA, and graduated on expected date. Today I am $90,648.22 in Debt. Whoa. You read that right, Ninety Thousand, Six Hundred, and fourty-eight thousand dollars, and twenty-two cents. And as of the this month the national average is only $29,400! What I would give to only be $29,400 in debt. Granted there were things I did wrong (I will go into that in another post). On top of that, my boyfriend also graduated from Full Sail University! So together we are almost $200,000 in debt. Just reading that number makes me sick. How do you plan for the future with that much money owed? And it all happened in a blink of our eyes. We went to school for something we are passionate about and now have jobs that we love but at a huge cost.

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So here I am. I have been scurrying the internet to try to find answers to my now unbearable stress. First and for most I stumbled onto an awesome site hosted by Michelle S. called Sense of Cents. Her Amazing insight and personal experience has inspired me to realize my financial problems and attack them head on. With her site and some other random ideas, I am ready to start…

Making Sense of Cents

And this blog is where it all begins. Starting today I start to attack my student loans. I have a lot to learn. A lot to learn about blogging, money, loans, and life in general. I know almost nothing about earning extra income or even budgeting really for that matter. Feel free to join me as I learn to bear the weight of debt.

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6 Responses to Start Here

  1. GrowingHerWorth says:

    Welcome to the blogging club! I completely understand where you’re coming from with your regrets. If I’d known in my twenties what I know now! Luckily you’re realizing that at a much younger age than I; I continued making BIG mistakes for years out of college, and am just really starting to get my sh#@* together now that I’m in my thirties. It’ll be rough for a while, but before you know it things will be starting to turn around! Good luck!

    • Bre says:

      Thank you Cindy! I really appreciate the support! It is weird because even though I am young I feel like I am still just so behind and I am just so bummed that I wasted even the time as a student to not fully understand what I was getting myself into! But we can’t dwell on the past and things we can’t change. We are changing for the better every day!

  2. Yvette says:

    I found your blog through Sense of Cents which I found through Pinterest. I want to encourage you on taking on your debt. I am quite a bit older than you, but my husband is working on his second career, and has racked up $30,000 in debt for us. Since right now we are a one income family, money is really tight for us too. I don’t want to be on the 20 year plan since that would put us into retirement and still paying off student loans. So whenever we can squeak out extra money like a bonus or as old as we are, we still get cash from our parents from birthdays and Christmas.

    You sound like you are working really hard to be responsible, so bravo to you. I admire you starting a blog because I have always wanted to start one myself. So here is an idea that you can do from home, if you are in a position to do this. There are websites where you can offer dog sitting services like DogVacay.com or Rover.com. I’ve never done it personally because I have three dogs of my own. Good luck to you. I will be following your adventures into paying off your debt:)

    • Bre says:

      Yvette! You are my first Follower! I am SO ecstatic! Thank you so much! I really appreciate your kind words! You should start a blog! It has been interesting so far and I am so excited to see where it goes!

      Congratulations to your husband for starting a new career! I assume it is a career he is more passionate about? Which I completely recommend. I did the same and even though I am now in so much debt I wouldn’t trade it or the knowledge I now have for the world!

      Retirement is something I really worry about with all the speculation of no more social security. Thankfully I will soon be able to sign up for a 401k with my employer. However when it comes to retirement I don’t know much about it. I’ll have to do more research.

  3. Good luck! I recently decided to start tackling my student loan debt too – I could only ignore it for so long.

    • Bre says:

      It is scary isn’t it? For the whole past year it was so much easier to ignore it. Log on pay the minimum and log off. I wish you the best of luck on your debt repayment too!

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