Author Topic: I'm actually doing pretty well...  (Read 2696 times)

kmb501

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I'm actually doing pretty well...
« on: September 11, 2018, 05:08:21 PM »
I would say that last year was a win. I finally got the courage to move and took a teaching job at a local public school.  My income last year was around $40,000, around twice what it was the year before that. I paid cash for a cheap smaller house, and I started paying off my student loans. I did buy a car, but I felt like I needed it, as I live in kind of a rural area, and, even though biking is fun and a great way to get exercise, it's inconvenient to bike all of the time, especially on busy highways.

I'm just so happy I got a chance to taste what could be and stopped living in that rut of underemployment that was probably hurting not only my wallet but my health and my quality of life as well. I don't want to ever go back to that! I'm hoping by next year I'll have even more successes to report.

I can't say I'm not still upset at myself over taking out all of those student loans, though. I guess I was just so concerned about being a failure that I tried to make people think I was doing a lot better financially than I really was. Too bad it took graduating with a maxed out balance to finally see how foolish all of that was. So what if people would have judged me for being a "lazy slacker?" At least I wouldn't owe the government the equivalent of a very nice two-story family home. It's a lesson learned, though, and a mistake I never want to repeat.

« Last Edit: September 11, 2018, 05:19:42 PM by kmb501 »

boarder42

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Re: I'm actually doing pretty well...
« Reply #1 on: September 11, 2018, 05:29:44 PM »
Congrats. Keep up the good work. There are a few things I hate in this world and it's allowing children to take out 100s in debt with no financial education bc we don't talk about money it's private. Real estate agents. And financial advisors. Get rid of these things or educate better and we can stop leaching society. Oh and if we got rid of war the defense program could be used to fund education.

Trifele

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Re: I'm actually doing pretty well...
« Reply #2 on: September 12, 2018, 02:18:10 AM »
I would say that last year was a win.

Yes it was!  Congratulations, and here's to more badassity in your future!

Linda_Norway

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Re: I'm actually doing pretty well...
« Reply #3 on: September 12, 2018, 03:06:38 AM »
Well done. Paying cash for your house is badass. (I did that myself as well). But on a teacher's salary it is very well done.
One should not linger too much on choices made in the past, as you can't change the past. There is only the way forward to choose.

former player

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Re: I'm actually doing pretty well...
« Reply #4 on: September 12, 2018, 06:11:17 AM »
Love the tone of OP's post - positive and happy and on a good track in life.  Thanks for posting and good to know things are going well for you - and entirely due to your own efforts.

Rosy

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Re: I'm actually doing pretty well...
« Reply #5 on: September 29, 2018, 02:35:38 PM »
Quote
I finally got the courage to move and took a teaching job at a local public school.

Congratulations! Yes, it does take guts to do a 360 and even more guts to move and take a new job!

High five!:)

PS ... perhaps we should teach our children to question everything and think for themselves and introduce the idea of living according to our own values - maybe even teach them how to live below their means and how to create a budget - imagine that:)

pecunia

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Re: I'm actually doing pretty well...
« Reply #6 on: September 29, 2018, 04:12:30 PM »
Sounds quite smart.  I wonder about some of these folks that think it's wise to have the biggest house they can get.  More to heat, more to paint, more to repair and more money to buy.

Linda_Norway

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Re: I'm actually doing pretty well...
« Reply #7 on: October 01, 2018, 03:03:02 AM »
Sounds quite smart.  I wonder about some of these folks that think it's wise to have the biggest house they can get.  More to heat, more to paint, more to repair and more money to buy.

We currently live in such a house. Not because we wanted a big house, but because we loved the view and could afford it. But I really regret it. All the things in your list, plus cleaning. This year I dropped cleaning the windows because there are sooo many of them. I don't have the energy to even think about cleaning them.

Dicey

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Re: I'm actually doing pretty well...
« Reply #8 on: October 01, 2018, 11:51:00 PM »
I'm intrigued - how were you able to pay cash for your house?

BTW, this big fat walrus says, in a booming voice and with stinky fish breath, "Stop kicking yourself in the ass. It's not productive."

I made plenty of mistakes on the road to FIRE but still got there in good time. If I can do it, you can too.

FamilyGuy

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Re: I'm actually doing pretty well...
« Reply #9 on: October 10, 2018, 09:27:44 PM »
+1 Dicey's question. How did you buy the house in cash? Anyways very well done.