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Learn from Me…Please!


We had a pretty intense conversation our first night at my parents. Princess was working on her college classes. And as everyone was asking her what was next for her, the conversation turned to what is next for Beauty and Gymnast.

That’s when Gymnast let it slip, something I hadn’t heard before. And I was devastated…

“I don’t want to go to college because look at mom, she’s still paying for school. That’s too much money and I want to be rich!”

Now I’ve known that he wavers on what he wants to do after high school, which I think is normal for a 15 year old. But for the reason he doesn’t want to consider college…never had a clue.

And I’ve spoken to all my kids extensively about how I want to get them through school without any debt. I feel so stupid for not making the connection.

The conversation became pretty ardent as both me and my parents and my youngest brother attempted to communicate the importance of pursuing some sort of education beyond high school. And we weren’t solely focused on college, but also on trades, etc.

Humbling Experience

There is nothing as humbling as bearing your worst mistakes in front of your parents, your sibling (only one of the four was there during the conversation) and your kids. But I had to say it, I had to own it all…the whole road that led to me still having student loan debt 18 years after completing my degree.

I don’t know if we made headway. But I hope we did, I hope they really heard us.

We talked about how, in Georgia, it is very possible to get through your entire Bachelors degree with no debt. I mean, that is truly a reachable goal with dual enrollment, the Hope Grant, Zell Miller and on and on. And that’s just for a decently average student.

We talked so much. And as humbling as it was, if my kids learn anything from me, I hope it’s not to be like me when it comes to finances.

I am Finally One of Those People


As you all know, I have been working diligently to pay off the smaller of my two student loans. And guys, I am so, so close. I can almost taste it. As I’ve been reviewing my finances and planning for the end of the year and even into 2021, I am so proud of myself.

Back in May, my smaller student loan balance was $14,129. By the end of 2020, despite the toilet paper storage, the crazy of COVID, kids moving in and out, working being slow and then crazy and so on, I will have paid off $14K+ in 8 months. I feel like I should be on one of the ads…woman pays off blah, blah, blah. You know what I’m saying.

I mean, seriously, if I keep this up, which I am working hard to be able too, I could be debt free in 2 to 2 1/2 years. Before Gymnast graduates, while Princess is still in school.

2021 Budget & Beyond

And I’ve got even bigger goals…my 5 year plan is really starting to come together. All of your feedback has really helped me focus.

I have begun working on my 2021 budget AND 5 year plan. I loved T’Pol’s feedback on the 5 year plan post about having specific goals for each year and putting them in your budget. I’m doing that.

And I appreciated how Angie brought up health, not so much as a financial goal, but because of the financial implications especially long term. This is a big one for me. I hadn’t thought to incorporate it in my planning, but the advice is spot on.

Stable Housing

My landlord was out this week to fix a few things and he made it clear that he doesn’t want me to go anywhere. We are good tenants if I do say so myself, and he also reiterated that he would like me to buy the house. Buying a house is NOT on my agenda right now. I am too wishy washy on where I want to be long term. But it was reassuring to know that he is not trying to sell the house out from under us. It is really great to have such a responsive and flexible landlord (by flexible, I mean, he lets us pretty much do what we want – paint, plant, etc. It has really allowed us to make this house a home.)

I look forward to celebrating with you about my student loan pay off but more than that, I am ecstatic what seeing the possibilities could be with my 5 years plan and budget.

We leave today for Texas. This will be my last visit with my parents until May, 2021 when we anticipate my Texas family coming to Georgia to celebrate Princess and Beauty graduating from high school. We have packed all their Christmas presents to go with us and that is a big weight off. With all that’s gone on this year, being able to celebrate the holidays together is very special.







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