On growing Pains
Soooooo I'm 23 and reality is setting in. Career, Financial, Educational, and Health decisions have all got me down. All these things are clearly a part of transitioning from a semi-independent adult to a fully-independent adult.
Lets talk about the financial situation...Bills, Bills, Bills is all I have to say. We got the Cable, Electricity, Water, Phone, and Cell Phone. Next we have auto insurance which I dont even have to pay just yet. Then I have my credit cards I wont even go into that list but there are several. I have implemented a plan that has worked pretty well in beating down the credit card debt I have accrued over the last 5 years. Then I have student loans...AHHHHHHHHHHHH. I will never take out a loan for this much again...EVER!!! This has to be one of the least responsible things I've done thus far in terms of financial decisions. What was I thinking? I wont even divulge how far I am in debt to Sallie Mae...I'll just say that I'm probably paying someone's salary there.(Ridiculous) I mean I guess in many ways it is an investment in my future...blah..blah...blah. It still looks like a gross number on paper and the thought that I owe that much money to anyone is very unsettling. However, I do like the way Sallie Mae offers incentives, in the form of interest rate reductions, for those of us that pay bills with recurring payments from a bank account and also for successful consecutive payments. And then on top of the "outflux" of cash I'm supposed to be saving for a "rainy day". Then we got Taxes...really how much money can the IRS take. I really dont have an issue with the IRS cuz I usually get most of that back it's really the state of MD that concerns me. I know we have a lot of benefits and that we all have to pull our weight in terms of the economy but Geez.
Healthcare Decisions...PPO's...HMO's...AETNA...Kaiser Permanente...Vision...Dental. Man what is goin on. I heard a phrase once..."If ur body was a car u wouldnt buy it" and Y? Maintenance is a bitch. It's really not the maintence that is the concern it's more so all the choices you have. Picking the wrong choice between a PPO and an HMO can leave you out in the cold or at least with a large medical bills if you need any type of care. Or leave you without the option of seeing a specialist unless ur "doctor", who changes everytime, thinks you should see one. Also my eyesight is pretty good right now but what happens when I do need glasses. I'm gonna have to wait until the next time I am allowed to change my benefits plan to get coverage...yet I dont wanna pay for something I dont need right now.
Educational and Career Decisions kinda go hand in hand seeing as tho the way to advance my career requires either education or massive amounts of experience.Soooooo where do I end up? Right back in school when I just fought so hard to get out.As soon as my little break is ova it's right back to school for me.I also have no real idea what I wanna do. Because I have to find something that I like a lot so that it holds my interest and attention. I guess I'm just a little worried because graduate school is going to be so different. One I will have a job that I cant be like hey I gotta study for my test and they will just give me the day off. The client is NOT going to wanna hear that. Two, study groups will probably be non-existent since noone will be on the same schedule and the fact that I'll be in class with adults with kids and families. Three, It's just gonna be plain hard...I have to MASTER a subject. The only thing that I feel can remotely hold my attention that long is something that has to do with graphics or videogame programming. (but that topic pretty fun and very challenging)But hey my job has so graciously volunteered to pay sooooooo, as one of my friends say "Milk the System".
Lets talk about the financial situation...Bills, Bills, Bills is all I have to say. We got the Cable, Electricity, Water, Phone, and Cell Phone. Next we have auto insurance which I dont even have to pay just yet. Then I have my credit cards I wont even go into that list but there are several. I have implemented a plan that has worked pretty well in beating down the credit card debt I have accrued over the last 5 years. Then I have student loans...AHHHHHHHHHHHH. I will never take out a loan for this much again...EVER!!! This has to be one of the least responsible things I've done thus far in terms of financial decisions. What was I thinking? I wont even divulge how far I am in debt to Sallie Mae...I'll just say that I'm probably paying someone's salary there.(Ridiculous) I mean I guess in many ways it is an investment in my future...blah..blah...blah. It still looks like a gross number on paper and the thought that I owe that much money to anyone is very unsettling. However, I do like the way Sallie Mae offers incentives, in the form of interest rate reductions, for those of us that pay bills with recurring payments from a bank account and also for successful consecutive payments. And then on top of the "outflux" of cash I'm supposed to be saving for a "rainy day". Then we got Taxes...really how much money can the IRS take. I really dont have an issue with the IRS cuz I usually get most of that back it's really the state of MD that concerns me. I know we have a lot of benefits and that we all have to pull our weight in terms of the economy but Geez.
Healthcare Decisions...PPO's...HMO's...AETNA...Kaiser Permanente...Vision...Dental. Man what is goin on. I heard a phrase once..."If ur body was a car u wouldnt buy it" and Y? Maintenance is a bitch. It's really not the maintence that is the concern it's more so all the choices you have. Picking the wrong choice between a PPO and an HMO can leave you out in the cold or at least with a large medical bills if you need any type of care. Or leave you without the option of seeing a specialist unless ur "doctor", who changes everytime, thinks you should see one. Also my eyesight is pretty good right now but what happens when I do need glasses. I'm gonna have to wait until the next time I am allowed to change my benefits plan to get coverage...yet I dont wanna pay for something I dont need right now.
Educational and Career Decisions kinda go hand in hand seeing as tho the way to advance my career requires either education or massive amounts of experience.Soooooo where do I end up? Right back in school when I just fought so hard to get out.As soon as my little break is ova it's right back to school for me.I also have no real idea what I wanna do. Because I have to find something that I like a lot so that it holds my interest and attention. I guess I'm just a little worried because graduate school is going to be so different. One I will have a job that I cant be like hey I gotta study for my test and they will just give me the day off. The client is NOT going to wanna hear that. Two, study groups will probably be non-existent since noone will be on the same schedule and the fact that I'll be in class with adults with kids and families. Three, It's just gonna be plain hard...I have to MASTER a subject. The only thing that I feel can remotely hold my attention that long is something that has to do with graphics or videogame programming. (but that topic pretty fun and very challenging)But hey my job has so graciously volunteered to pay sooooooo, as one of my friends say "Milk the System".
posted by T at 1/19/2005 08:46:00 AM
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