Sinking instead of swimming

Posted: November 17, 2011 in Uncategorized

Right now I feel like we are sinking instead of swimming. I seem to spend hours looking at and trying to redo budgets. The numbers just do not work out, this is really difficult. I feel as if I can barely breathe. We are trying to cut back, but it would appear we are not cutting back enough. I don’t know where the money goes. We are going to have to mark down every dollar, because right now, every dollar does indeed count.

Even as a student we had more money. This is so hard. I think the biggest mistake we made, was me getting a student loan. I should have worked more hours instead of taking out the ease of a loan. As now they want to be repaid, and we just do not have the money to repay them. Lesson learned, nothing comes easy.

What is horrible is the interest rate the government is charging, it is obscene, almost 7%, so each day, my loans are charged almost $8 in interest.

So I had a meeting with a financial Councillor to try and come up with a plan. Her plan, just default on one of the loans. That is not a good plan, and not something we want to do, as that can have an effect on everything we ever want to do, such as get a new car, rent an apartment, buy a house etc.

There do not seem to be any job prospects here. My partner just heard back from the last interview he had, saying he did not get the job. This was his second interview in four months. So where do we go from here?

I pictured adult life being quite a bit different, I didn’t envision all these struggles. We are drowning slowly. The stress is very hard to handle. I’m crying all the time, at the push of a button I cry. This isn’t healthy. I am contemplating trying to take on a part-time job, but the question comes up, what part-time job can I even get, I do not speak french, so that excludes me from most, if not all of them.

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