Hello!
I never thought I would ever find myself in a situation where I am asking people for money.. but I decided to look at this in an objective way and see the positive and not just focus on the negative aspect of this. I am currently a mother of two children, working full time as a substitute teacher and happily married. I just finished my masters degree, but planning to go back to school to work on my teaching credentials. I am hesistant though because I have over 150,000 dollars in student debt. I have always wanted to know what it feels to be financially free and not worry about money. I have worked very hard to get to where I am academically and career wise, but I feel like it doesn’t really show financially. As you can imagine, teachers don’t make that much money, substitute teachers make less. I don’t work during summer months and don’t get paid at all. I have numerous bills that are past due and some I even let them go to collections because unfortunately I am unable to pay for them. This has really hurt my credit. I have always found it necessary as a parent to accept all the loan award that I was offered by financial aid. Unfortunately, this has led me to owe over $180,000 dollars in student debt to be exact. That doesn’t even count the extra two years that I will owe once I am done with my teaching credentials. I come from a low income family and my parents were not in a great financial situation to be able to help me pay for my education. Everything that I have achieved has been through my own efforts and perservearance in order to give my children a better future.
My husband doesn’t make that much money either. I try my best to support him with the bills, but during summer it’s so hard and if anything I just make more expenses out of his account. He is unable to help me pay for my student loans at this time. Due to money issues, we haven’t been able to move out of our 1 bedroom apartment. I haven’t been able to take my kids on a well deserved vacation. I dream of the day where I can live peacefully and not worry about money problems. I started my own youtube side business recently doing videos that are related to intuitive spiritually.. but lets be real.. it will probably be a while until I see any kind of money coming from that if any at all. I really hope that someone on here can help in any way.. I have tried my best to minimize costs and unecessary expenses, but it’s hard to do that when you have children. During summer months, kids want little treats here and there.. and expenses do go up a little more since they are home more. This also includes, electricity bills, more grocery expenses, more gas bills in order to drive them to swim class or other extracurricular activities to keep them busy. I am humbly asking for any support… All of this financial stress is making me feel hopeless and thinking that we wont ever get to have that white picket fence dream. I don’t think we should be worrying about money problems. My husband and I area very hard working people, we are kind, help people when they need help. Now I feel like we are the ones that need the help. There is so much I want to do but don’t have the means to take the necessary steps. I just feel like it’s always one thing after another. When I do work during regular school year, I can’t even save any money because I am too busy trying to catch up on paying outstanding dues. I want to better support my husband with the bills, I want us to move to a bigger place, I want us to repair our credit, I want to be able to plan a family vacation one day, pay off my student loans one day… but of course all of that requires money to do so. I really appreciate anyone who is taking the time to read this lenghty message. I am truly grateful. I don’t even know what words to use right now to express my gratitude to anyone reading this. Thank you so much.
https://paypal.me/marismiles05?country.x=US&locale.x=en_US