In this blog, much of what I have to talk about isn’t funny. If you want to laugh, please visit my Invader Zim blog and watch a Gir compilation video. Those are hilarious!

@coolguy3000

I am not continuing my CFP coursework. I’m in the process of closing that business.

I’m working Dave Ramsey’s plan and he doesn’t encourage minimum wage jobs to get out of debt, which is why I’m not getting up at 5:30 to be a cafeteria lady. I get up at 5:30 to work on my online business. At 2 or 3 in the afternoon I head off to the library Sunday through Thursday for 5-7 hours of tutoring students in algebra, geometry, chemistry and physics. During mid-terms and finals I work 7 days a week. I pick up extra hours pretty regularly from homebound students who don’t have as regular a schedule because of illness. I get done tutoring each day at about 9 p.m. I make $19/hour tutoring when I do it for the company I work for and $45/hour when I get my own clients. Then I sit back down at my computer and work some more on my online business.

I have a job, and a damn good paying one at that. I’m really getting sick and tired of people telling me to get a job when I have both a job and a business, and I do odd jobs as the opportunity comes along. I’m having a very tough time understanding why the words “I have a job and a business” don’t equate to I earn money, and I’m earning more each month. What’s up with that? I have a tough month and that’s not acceptable? Tough shit.

My parents did instill in me to work, which I am doing very hard. But they weren’t able to teach me what to do in the modern world of no employer loyalty, being over-qualified and they didn’t have a business so they didn’t teach me about striking out on my own. My business failed, and I’m working on closing it. It takes work to properly close a business, and I’m getting it done as quickly as SEC law will allow.

During the summer I will be delivering pizzas 6 nights a week. It pays really well. The next time you order a pizza to be delivered, ask how the delivery person is. If he/she answers “better than I deserve” please give them a really good tip because they are working their way out of debt.

And I will be continuing to work on my online business, which doesn’t take a bunch of education. It just takes guts and a desire to learn how to do it. At first I thought I wanted the passive income model, but now I find I want to write and be more active in my online business.

I’m sorry you don’t find my content to be compelling, but I am learning to be a professional author and I know I have a lot to learn and a lot of practice to put in to improve it. That’s why I blog. It’s great practice and I learn. Thank you for pointing out that you find my content to be well kind of boring. I’ll make more effort to be less boring in the future. As I get more practice under my belt, I hope you’ll see improvement in my content.

This blog is a personal diary blog and won’t be spectacular for awhile because I am struggling with the subject in my off-line life. My other blogs contain better content, IMHO anyway.

About my Invader Zim blog, the videos I host are in the public domain and I can legally embed them into my blog. I don’t obscure any original copyright information and I don’t block any original credits or subsequent credits of people who made compilations. I don’t sell those video clips and I don’t buy them to put on my blog either. I’m an affiliate of both Amazon and eBay, and I promote the sale of legitimate, paid for downloaded episodes, DVDs, and branded merchandise. People can view the public domain videos and then purchase legal copies and branded merchandise through legitimate businesses. There isn’t anything wrong with that as far as I can see.

Oh, and “Don’t be a bum” is 4 words, not three. Maybe you should learn to count. If you need math tutoring I charge $45/hour.

Why are you calling me a bum? I don’t understand that. I’ve paid over $10,000 in the past 12 months toward my debts and I’ve paid 6 of them off. I have a new business and I have a job. How is it that I’m being a bum because I was ignorant about starting a business with credit? I’ve written it many times in posts on this blog: I’ve done stupid with a lot of zeros on the end. That’s not illegal or immoral, it’s just stupid. Unfortunately I can’t go back and undo “stupid”. I fully intend to pay all my debts as I am able.

I haven’t declared bankruptcy. I will be forced to if debt collectors start garnishing what wages I earn because I won’t be able to feed my son, keep a roof over our heads and clothes on our backs. Unless or until that happens, I can survive to work and pay debts another day. I won’t file until I have no other choice.

If I had no intention of paying it back, why did I start this blog and why am I trying to pay my creditors when I could see a lawyer this afternoon and file for Chapter 7 bankruptcy? I’m qualified and I have the certificate. This blog is 9 months old and I’ve been working Dave Ramsey’s plan for a year now.

There will be good income months and months where we may not even barely get by for a little while as I take on more students and ramp up this business.

Thanks for the tough love, but no thanks. I suppose you’ve never had a tough break in your life? I’d like to see your personal P&L statement and balance sheet before you throw stones at mine.

I’ll be the first to buy you a cup of coffee (latte’s are too fattening) the minute you write something that makes me laugh! How’s that for a challenge?