Update..graphic design..music production

I thought that I would not continue with graphic design courses at the local community college.  I could learn it on my own.

Then I got fired from a job full time job in July. It didn’t pay great but it was better than what i’d ever had before. After being fired, I panicked and for some reasons, I decided I’d go to the local community college full time.

It was not easy. Two were online. One would think online is easier, but I got waaaaaaaay behind. Painfully behind. Because I would not watch the class live online. I hated watching classes after 7:00 pm. I’d instead decide to watch them “later”. There are videos I haven’t watched yet and the semester is over. Though those videos were like the last class(es) so technically they may have not been needed for the final assignments. There maybe like three videos I haven’t watched yet  2 from one class and 1 from another class.

Add to the drama of full time classes, a part time job that was crappy for me, you’ve got a recipe for hell on earth especially for someone still not perfect at time management. I ran into serious problems this season. Thank God the classes have ended, unfortunately I still have the job…you may ask why not quit and get another one.. * rolls eyes and sighs*

On the other hand, the classes did help me learn adobe programs. Literally every class had an adobe product attached to it. Lightroom.Photoshop. Illustrator. Premier.

So its great that I’ve sort of got something like a foundation upon which to build or create something. Creative content. Nevertheless there is this one dragon I’ve been trying to lay a hold off. I feel like a guy trying to hold or grab ahold of a dragon by the neck, that’s crazily moving its head back and forth. I’m trying to lay hold of it but I guess it feels like it’s hard for me to get grasp or hold on it, maybe it keeps slipping, gliding from my hand.

The dragon is music production and what other things that entail it. I’d care to learn piano, and guitar too. I mean I know that there are people who taught themselves how to play more than one instrument. Music theory seems like something I should learn a bit of too.

I seem to be up against several things stopping me from grasping it. When one is worried about finances and not pulling it in enough money to cover all their bills, it’s hard to concentrate on something that isn’t going to bring in money soon. I feel like I’ve got to get money soon ..it’s really, really bad like it’s getting near where it could turn into an emergency.

Unfortunately I wasn’t my own man and got degrees and a whole lot of school debt, for subjects that I probably shouldn’t have studied…

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The Dave Ramsey Show Youtube clips

Many of the youtube clips he has for his show are the epitome of clickbait. Oh master we are not worthy. Like a magnet I innately want to click, and watch immediately.

The headlines are crazy an a bit unique.  On the other had, I’d like to see the light at the end of the tunnel that he may provide for the people who call in. If these people can possibly get out of these debt holes, there could be hope for the rest of us with lesser debt.

Some headlines

“We haven’t paid our Bills For 6 Years!” 
oh really…* eyes roll up to the sky*
(real talk who goes 6 years without paying any of their bills? any)

“My girlfriend has $450,000 in debt”   
Maybe it’s time to find another one? lol well she’s planning to be a dentist so maybe that will help,  all I can say is if you are going to marry her hold on, it may be a bumpy ride if she wants to pay that off in a short amount of time

“Step Dad married a 24 year old gold digger”
Uhhh not too surprising..we’ve all probably hear of famous rich men that could do that..ok well to be fair in the clip she mentions property the step dad and mom bought that is worth more than a million ( maybe 2.5) so…Btw the step dad is 77.

$320,00 in school Debt  Loan and We Aren’t Even Doctors!
smh..all I can say for that. I kind of pity them

You make $320,000 A MONTH?!?
N&%^3 why are you calling in ?  Use that money and get you a personal financial advisor. You could probably hire one from Dave Ramsey’s company. Leave the line for us broke people that need it!!! lol

The amount of debt these people have is astronomical and lo and behold what does most of the debt relate to . You got it, school loans. Just annoying . unfortunately most of us made stupid decisions and are naive and got ourselves way into deep.  I have a huge amount of school loan debt too. But the testimonies are sort of inspiring and give hope, that one doesn’t have to have that debt forever,

haha,  these headlines though I couldn’t make this stuff up even if I wanted to.

Privilege?

This  Facebook post talks about how a woman had *privileges* to help pay her debt of over $200,000 in loans. Typical of a post that can breed a biased opinion; parts of the article are copied and pasted to form a picture of “privileged” woman. After going to the full article and looking it over i came to the conclusion, that she was not as privileged as I thought. She had help no doubt, she made sacrifices. She educated herself and she made a plan. She was determined.
Reminds of this bible verse
Proverbs 6:6-8  ESV
6 Go to the ant, O sluggard;
    consider her ways, and be wise.
Without having any chief,
    officer, or ruler,
she prepares her bread in summer
    and gathers her food in harvest.well to be honest I read the article. I am not sure if this information was there before they edited, but its there now

the condo the mom bought was merely $13,000.
That is what I call a bargain. 13, thousand, dollars.
They live in an area where the cost of living is much lower. They ended up buying other condos for the second at $42,000 and third at $55,000 and rented those condos out too.
compared to the DC area that’s really a bargain.
to be honest she and her husband were wise.
Tips I get from this
1) have a job
2) move to place with lower cost of living/cheaper housing
3) Buy condos in the area and rent them out to get extra income
I didn’t get details about their budget; I’m wondering if she saved money to buy those condos? or if instead they saved for a down payment and thought/reasoned to prioritize getting rid of school debt first, knowing that with condos, renting them out you could get more continuous income from that.
Anyway bottom line the article says,
“She began educating herself on personal finance — particularly through the books of Dave Ramsey and Suze Orman — and started devising a plan to pay back her loans as quickly as possible.”*
So basically I and others with huge amount of debt, it wouldn’t be a bad idea to do exactly that. Educate yourself, read those books, and make and carry out a plan to reach the goal of eliminating debt. That’s probably how she ended up learning about renting out condos, and other things she did we weren’t made aware off ( her monthly budget, savings, etc.)
All in all a good example of self-determination.

She isn’t as privileged as I thought. She is very smart, wise, and determined.

*How one 31-year-old paid off $220,000 in student loans in 3 years
Emmie Martin – http://www.businessinsider.com/how-ebony-horton-paid-off-220000-worth-of-student-loans-in-3-years-2017-3