Oh No! The Numbers!

All right so I know alot of people in the country are in the same situation as I am, that is in debt and hating the “Interest Hounds of Hell”, eating our paychecks little by little.  But personally, whenever I think about the numbers of it all, I would much rather attach a car battery to my cereal spoon and take a bite.  At least that way you have one heck of a hairdo, and you could claim disability the rest of your life.  I think that might even make the debt go away…  However, since I don’t plan on doing that, I have to face up to the fine mess I’ve gotten myself into.  They always told me that part of growing up and becoming a man was to face your fears.  That you had to either beat them so you weren’t afraid anymore, or at least learn to deal with them so they didn’t hinder you.  That said, I suppose this means that it is time for me to grow up financially.  It wouldn’t bother me so much if it was easier.  Mind you it’s not that I am lazy or hate hard work or any of that.  Really it’s just the amount of time that its going to take to fix all of this.

Most problem a guy, (sorry I’ve only ever been a guy so I can only address my problems from a guy’s view…or at least my view), might run into we deal directly and with fervor.  We pummel it into the ground, we take action and knock it out, bust it up and throw it away.  Or we grab some wrenches and a monkey wrench and start to go to town on some poor, defenseless pipe or appliance.  Things that we can’t deal with in that direct forward manner, we don’t get.  Thus our issues with women, but thats for another blog.

So this debt problem I know it CAN be fixed.  The issue is that it will take at least another year and a half at my current income to knock all this out.  I’m ADD to a fair degree, just not enough to take anything for it.  At least thats what they tell me.  So with this I can’t pay attention to a project for longer than 5 days, I am afraid I am going to screw this up.  But, I can’t do that either because I have to get married, and my fiance doesn’t know the extent of my debt, and I don’t want her to either.  On a side note, she knows I HAVE debt, I’ve just never outline the numbers for her.

So somehow I have to increase my income to pay off my debt AND pay for our honeymoon.  To Italy…and Greece…*sigh*.  Ok so for the sake of less math and easier numbers, I’ve rounded out my debt.

I have 5 credit cards with a rounded total of around $5,000 charged.

My school loans go in around $15,000

Now to some of you, that doesn’t hardly even seem like any debt at all.  But you have to remember that I am still in college with both early and late classes, so I can only work the weekends.  Needless to say, I don’t make that much a year.  Plus I have to drive 35 miles to school everyday.  Yea ouch is right.  Gas right now is killing me, and I drive a Cobalt.  Some of you trucker must be walking around in a daze at the gas stations.

So anyway thats the damage.  To me its like looking down the long, cold barrel, of a 50cal just knowing that a wrong move will be the last move.

I am going to try some internet stuff to see if I can’t peck out a few more dollars somewhere.  I hardly dream of making millions in this year, but hey I need about $35-$40,000 to pay off everything and make the honeymoon all that it should be.  Last year I think I made $12,000, all year.  Yea I know, I am beginning to wonder if this might be impossible myself.  Oh and I need a new phone as well, so make that $40,200.