Tag: money

Life Transitions and it’s Problems

In 9 weeks I’ll officially start my post-PhD career, I should be excited. Unfortunately, my tumultuous financial life bogs me all the way down. It’s difficult to focus on the blessing of a new job with good benefits when I’m constantly alerting debtors of my inability to pay.

I also have to deal with the emotional toll of relocating and starting all over again. I’ve started over at least once in my adult life; however, this time is different. This time I hope to be planting roots and making myself a home.

This time I won’t be a student and I’ll be working in my field of choice.

Some have suggested that I simply keep the faith and not worry about things I cannot control.

My thoughts are clouded by unnecessary worries. Yes, my credit score is rapidly declining as I wait. Yes, my health desperately wishes I had health insurance or at least the financial means to see a health care provider. But I am in a position that I can’t do much about anything so my worry is unnecessary.

Money problems

I’ve been unable to fully appreciate the fact that I’ve received an academic appointment because it starts in August…right now it’s May.

The dilemma I’m facing is that I have no income currently and that has been the case since I walked across that stage in December.

That’s another momentous occasion that I’ve been unable to fully appreciate because of my dire financial situation.

I’m extremely blessed to have had the opportunity to complete the level of formal education that I have. Additionally, it doesn’t escape me that I am one of few to attain the coveted academic position that’s been granted to me.

However, the bigger picture highlights my starting position of being a first generation college graduate from a rural lower socioeconomic area.

I’ll save the rest of the thoughts for research but thinking about my starting position brings me hope. I’ve overcome much in my educational journey so I know that I can endure this phase of financial destitution.

My debtors have been incredibly kind to me and I completely understand that they have a business to run.

My current financial situation is completely of my doing and even if it takes years for me to clean this mess up I will. I take full responsibility for the part I played in this situation.

It grieves me when I’m unable to pay even the minimum payments on my accounts. I try to answer every call from my debtors and each time it takes a little out of me. I have to tell them that I graduated from school recently, my income was tied directly to school, I have employment lined up, but it doesn’t start until August.

I’ve looked for part time work but I’ve been unable to find anything. My parents are graciously providing me housing, without them I would be without shelter.

My situation sucks right now but I’m grateful for the blessings that I’ve experienced even in the midst of this chaotic time.

I have chronic illnesses that are not being monitored because I also no longer have health insurance and if you’ve been to a healthcare professional in the United States while uninsured and no income, you are well aware of the problems with that picture.

I’m proud of myself because although I’ve had flares and I’ve had many low moments as a result of my current circumstances, I have yet to give up completely.

This time has given me a stronger desire to give back to the communities that helped me and to assist students who are from like backgrounds. I want to make sure that we are not forgotten.

I’m struggling right now in ways that I’ve never imagined I would but this is all temporary.

If you have any suggestions of in the meantime work I could do and how I can bridge the gap between now and when my job starts in order to pay my debts and stay afloat…let me know.

Thank you for taking the time to read this post!

Job search

I accepted a position recently so my job search is officially over. This is reason to celebrate, right?

It is.

However, due to the nature of the position I received, my start date is months away.

In all fairness, my body and mind are still recovering from my enjoyable doctoral program, therefore, physically and mentally I need the remaining months before my position starts.

Here’s the problem -> money! I finished my doctoral program in December 2018, but I received my last full paycheck in May 2018. I stretched the money as much as possible but around February 2019 there was no more to stretch.

So I’m preparing to relocate, start the next chapter of my life, with a meager amount of funds to my name.

Thankfully, my soon to be employer is awesome and once I relocate I’ll have a lot of help.

My debtors have been kind for the most part and I’ve made many arrangements with them. My family are gracious enough to let me stay under their roof until it’s time for me to relocate. My friends have helped me tremendously during this time. My support network is strong.

Nonetheless, it is difficult to not have money. I handle money well and I live within a reasonable budget…but the best budget couldn’t make my funds stretch this far.

I’m reshaping how I think about my current situation and letting go if the stress, worry, and frustration that comes from being unable to meet my own financial needs right now.

My long (to me) job search is over and I got THE JOB I wanted. I’ll be able to follow my dream mission and get paid to do so.

In the meantime I’ll keep answering my phone and letting my debtors know my current situation. It’s difficult, but it’s temporary because I got THE JOB!!!