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Why I Want to Get a Degree

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Reasons for getting a degree

Since many of you wondered why I want to get a bachelor’s degree in photography, I thought I’d explain my reasoning a bit more. However, nothing is set in stone and I’m still pondering whether or not this is the right move for me. I appreciate all of your comments and advice as I consider my options!

Why Do I Want to Get a Degree When Wedding Photography Doesn’t Require One?

I definitely agree that you don’t need a degree to be a wedding photographer. However, I want to work towards a degree as a backup plan in case this business venture doesn’t work out. We live near a few tourist attractions that have destination weddings, but I’m still not 100% sure that the business will succeed.

I totally agree with the people who commented and said that the rise of high-quality phone cameras has reduced the need for professional photographers. Although I think there are enough destination weddings in this area to support a photography business, I don’t want to put all of my eggs in that basket!

Getting a Degree as a Backup Plan

Paired with my writing experience, I believe a photography degree would help me get a marketing or office job after school if needed. Although you don’t necessarily need a degree for marketing or office work either, I’ve found that a lot of good employers require or at least prefer it.

I don’t want to miss out on opportunities anymore due to my lack of formal educational credentials. I’ve been able to make my way as a freelance writer without a degree. But I’ve definitely been passed over more than a few times because I didn’t go to college.

Although photography doesn’t seem like the most in-demand degree, several of my family members including my spouse majored in film or photography in school. They were all able to get good corporate jobs after college, so I’m not overly concerned about the marketability of the degree. But if I should be, let me know in the comments.

Plus, a more traditionally marketable degree like business administration or human resources would cost more. The affordable UK university I’m planning on attending only offers arts-related undergraduate programs. So to study business, I’d probably have to attend a community college for the first two years and then finish at a local in-state school, which would cost over $25,000.

Another reason I’m interested in this online UK university is because it offers totally asynchronous instruction. You can spend as few as 10 hours per week on your school work if you have a chronic illness or work responsibilities like I do. So I think I’ll still be able to do photography apprenticeships and build this business on the side while attending this school. I might struggle with a more rigorous schooling schedule.

Other Things I Could Do With the Money

Someone made a great point in the comments that the $15,000 I need for tuition might be better spent on equipment. I’m very lucky in this area because my partner studied photography in school and owns professional equipment already. We even have a collection of film cameras I can play around with. Surprisingly, some clients are still interested in old-school film photography, so I may be able to offer that as a niche service.

Another question I got was why I’m not using this money to pay off debt instead. Luckily going back to school shouldn’t disrupt our financial plans too much since I’ll be studying part-time. We should be able to cash flow the degree for the most part. Plus, my dad has generously offered to help pay for my tuition, and I may take him up on it.

Right now my spouse and I only have about $135,000 of mortgage debt. We’ve been aggressively paying it off for the past few years because we’re pretty debt-averse. But we’re comfortable devoting some of our financial resources to my education since it isn’t super high-interest debt.

Going back to school definitely isn’t set in stone. I’m still reflecting and researching to see what the best course of action is, so I appreciate your comments and suggestions!

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Stop the Auto Payments — for now

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Someone asked for an updated budget and I just had to laugh. And then I had to start thinking. My budget is completely out the window. I look at my forecasting spreadsheet every time I get some money and figure who must be paid, at least partially, and made the adjustments to the balances owed and guesstimated dates to pay. Thankfully, I’ve not gotten more than 30 days behind on anything…but I just keep rolling things around and partially paying and re-prioritizing and making phone calls asking for extensions.

I currently get paid from my part time job twice a month. And the amount various based on the hours I was able to pick up. It’s raged from 20 hours per week to a max of 35 per week for the last couple of months. But most weeks are right around 20 hours.

Stop the Auto Pay

Today I called my bank and turned off my auto payments for our car insurance and a few other bills. They were just stressing me out, worrying about having the money in the account on time. The relief was pretty immediate. And as long as I don’t get more than 30 days behind, it shouldn’t affect my credit or put me at risk of cancellation.

So I just keep rolling and looking for work. And frankly, I know I’m not the only one. I see people posting on LinkedIn about being so many months on unemployment and at risk for losing their homes, etc. Even though this is hard, I am okay. And can muddle through.

Budget?

So here’s my question for the BAD community…should you have a budget when you don’t make enough to cover your basic monthly bills?

I have my bills forecasted out through the end of the year with due dates, estimated costs, etc. And I even have “optional” spending on it still. Although every week when I review what’s coming up, those get removed. But I’m hopeful that I won’t have to remove them through the end of the year. (For example, Gymnast’ 18th birthday is just a few weeks away…per always, I have $200 budgeted in my forecast. We typically have a family meal out and then a gift. Most likely neither will be able to happen this year. He knows that. And I’m sure when I get back on my feet, I will make up for at least the gift part.)

So…what does a budget look like when your income doesn’t even cover your MUST PAY MONTHLY bills? Or as Dave Ramsey would call them, your four walls.

Read more from Hope

Cooking for One – September, 2022

1 wreck, 2 wreck, 3 wrecks in one week – May, 2021

Doing it again – No Spend September – September, 2020