Comments on: Debt Report Mar 2008 http://debtfreeorbust.com/94/debt-report-mar-2008/ Mon, 02 Nov 2009 09:01:10 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: coolguy3000http://debtfreeorbust.com/94/debt-report-mar-2008/comment-page-1/#comment-53 coolguy3000 Sat, 05 Apr 2008 15:38:27 +0000 http://debtfreeorbust.com/94/debt-report-mar-2008/#comment-53 Sherri, you said: "I will not be working on my debt snowball until I start making enough money to pay for more than the essentials."You know, sometimes we need some 'tough love' to make us see the things we might not want to see.Two things:1) What is the criteria on which you intend to finally decide to file bankruptcy?2) Given that you signed commitments to pay these people for money they gave you, whether you file for protection or not, I would hope you feel a sense of obligation to pay back every dirty penni, no matter what. If you do, then I just have to ask why you are not getting up at 5:30AM and heading down to the school to work as a cafeteria lady, or going down to the Circle K to work as a Slushie Systems Analyst, or otherwise getting yourself into a position to actually EARN some money to put towards those debts, versus this pie in the sky multi-level marketing scam of sweet passive income through blogging.Here comes the tough love: It is plain from your writing you have no special skill or talent in that arena. You seem to be able to crank out copy that is relatively grammatical, and free of overt spelling errors. But that's it. There is no unique style, clever wit, endearing charm, saucy sarcasm, insightful analysis, humble introspection, or other compelling attribute of your writing that would compel a person to read it. My personal driver to come here is based on your situation, not on your content. I want to find out: "Well, what is she going to do?" not "My, what has she got to say about it?" You do see the difference, right? It is an an immensely important distinction. It is roughly correspondent to humor, wherein people are either laughing AT you, or else they are laughing WITH you. I am sure your child, your parents, your friends, would never wish for you that it were the former.In short, this can be boiled down to three simple words. Words I wish your parents had more deeply instilled into your upbringing:"Get a job."That could be followed by three more:"Don't be a bum." Sherri, you said: “I will not be working on my debt snowball until I start making enough money to pay for more than the essentials.”

You know, sometimes we need some ‘tough love’ to make us see the things we might not want to see.

Two things:

1) What is the criteria on which you intend to finally decide to file bankruptcy?

2) Given that you signed commitments to pay these people for money they gave you, whether you file for protection or not, I would hope you feel a sense of obligation to pay back every dirty penni, no matter what. If you do, then I just have to ask why you are not getting up at 5:30AM and heading down to the school to work as a cafeteria lady, or going down to the Circle K to work as a Slushie Systems Analyst, or otherwise getting yourself into a position to actually EARN some money to put towards those debts, versus this pie in the sky multi-level marketing scam of sweet passive income through blogging.

Here comes the tough love: It is plain from your writing you have no special skill or talent in that arena. You seem to be able to crank out copy that is relatively grammatical, and free of overt spelling errors. But that’s it. There is no unique style, clever wit, endearing charm, saucy sarcasm, insightful analysis, humble introspection, or other compelling attribute of your writing that would compel a person to read it. My personal driver to come here is based on your situation, not on your content. I want to find out: “Well, what is she going to do?” not “My, what has she got to say about it?” You do see the difference, right? It is an an immensely important distinction. It is roughly correspondent to humor, wherein people are either laughing AT you, or else they are laughing WITH you. I am sure your child, your parents, your friends, would never wish for you that it were the former.

In short, this can be boiled down to three simple words. Words I wish your parents had more deeply instilled into your upbringing:

“Get a job.”

That could be followed by three more:

“Don’t be a bum.”

]]> By: arthurwankspittlehttp://debtfreeorbust.com/94/debt-report-mar-2008/comment-page-1/#comment-46 arthurwankspittle Thu, 20 Mar 2008 11:20:22 +0000 http://debtfreeorbust.com/94/debt-report-mar-2008/#comment-46 Sorry I haven't got back quicker, I hadn't checked this post for a few days. First, although it hardly matters now, four years seems a long time to have taken to conclude that the business wasn't right for you or working fully. More importantly, you now say you have near full time employment from tutoring, which is good. (and yes it pays more than W2 employment but then it has to, to cover the slumps in the summer) But you have to address the debt problem. I've been there, done that, received the collection calls, been to court, the lot. You have to get that snowball sorted out and take action on it. You need steady money coming in, and I don't mean the odd $14 per month off some website. I think you need to think about the amount of time you spend on the websites and blogs and the like for the returns you get in actual $. Sorry I haven’t got back quicker, I hadn’t checked this post for a few days.
First, although it hardly matters now, four years seems a long time to have taken to conclude that the business wasn’t right for you or working fully.
More importantly, you now say you have near full time employment from tutoring, which is good. (and yes it pays more than W2 employment but then it has to, to cover the slumps in the summer) But you have to address the debt problem. I’ve been there, done that, received the collection calls, been to court, the lot. You have to get that snowball sorted out and take action on it. You need steady money coming in, and I don’t mean the odd $14 per month off some website. I think you need to think about the amount of time you spend on the websites and blogs and the like for the returns you get in actual $.

]]> By: joubesshttp://debtfreeorbust.com/94/debt-report-mar-2008/comment-page-1/#comment-42 joubess Thu, 13 Mar 2008 19:07:05 +0000 http://debtfreeorbust.com/94/debt-report-mar-2008/#comment-42 Arthur,I had a full-time business until the beginning of February 2008, which I closed because it wasn't profitable enough to support us. I do take a few clients occasionally and earn some extra money because I still have my RIA license until the end of 2008, but the business is closed and I'm phasing out meeting with clients completely.I was laid off from the chemical industry where I was an analytical chemist for 19 years. I became a math and science tutor after many months of not being able to land another full-time chemistry job. The chemical industry is moving a lot of jobs overseas. My job was eliminated, and similar jobs at other companies have also been eliminated.Please read back through my posts for more on that. I've posted details on my career and goals over the last 10 months. I keep increasing my tutoring hours, and I'm approaching full-time now.Summer will bring a tutoring slump, so I'll be delivering pizzas and working on my blogging and online affiliate sales during June and July. School starts back up in August, and I'll have a waiting list of people trying to get on my schedule.Good math and science tutors are very hard to find, so my current income as a tutor is actually more secure than it would be if I went to work for another chemical company. I've found I really love teaching more than being a lab rat, so that's what I'm doing. Tutoring pays a lot better than being a full-time teacher as well. It's flexible and leaves me more time with my son. I also have time to write, another of my passions.I'm in the process of updating my post categories so the career category contains everything I've written about my career. That's in progress so please stop back by and read more as I make it easier to find past content.Sherri Arthur,

I had a full-time business until the beginning of February 2008, which I closed because it wasn’t profitable enough to support us. I do take a few clients occasionally and earn some extra money because I still have my RIA license until the end of 2008, but the business is closed and I’m phasing out meeting with clients completely.

I was laid off from the chemical industry where I was an analytical chemist for 19 years. I became a math and science tutor after many months of not being able to land another full-time chemistry job. The chemical industry is moving a lot of jobs overseas. My job was eliminated, and similar jobs at other companies have also been eliminated.

Please read back through my posts for more on that. I’ve posted details on my career and goals over the last 10 months. I keep increasing my tutoring hours, and I’m approaching full-time now.

Summer will bring a tutoring slump, so I’ll be delivering pizzas and working on my blogging and online affiliate sales during June and July. School starts back up in August, and I’ll have a waiting list of people trying to get on my schedule.

Good math and science tutors are very hard to find, so my current income as a tutor is actually more secure than it would be if I went to work for another chemical company. I’ve found I really love teaching more than being a lab rat, so that’s what I’m doing. Tutoring pays a lot better than being a full-time teacher as well. It’s flexible and leaves me more time with my son. I also have time to write, another of my passions.

I’m in the process of updating my post categories so the career category contains everything I’ve written about my career. That’s in progress so please stop back by and read more as I make it easier to find past content.

Sherri

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