#interview with the vampire#iwtv#amc tvl#jacob anderson#sam reid
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Deporting people to countries with universal healthcare is wild work....I love the irony of this timeline 😂💙✊🏾
It's getting real out there ...
Hi. I saw your student debt post. A guy named Brian Manookian on Twitter is sharing the letter he sent to the company that held his debt to get out of it. I know you can do it with medical debt so you may wanna look into doing it for student debt. But basically you ask to see the papers transferring your debt between companies and if they messed up the chain of transfer somewhere you could be freed from it. Doesn't hurt to look into.
This is worth looking into if you have the time to do it. Drafting the letter only takes a half hour or so and it can be very brief.
The problem is that student loan companies *hold onto the debt.* It took 14 years for Navient to finally release my private student loan to a debt collector. They’ll hold on to federal loans for as long as they can because even if you continuously defer payment, or continuously default on payments, *they still make money.*
I’m not saying people shouldn’t dispute their debt once it goes to a collector. Like, everyone should legitimately do that because you WILL catch collectors. But here are some tips:
When a debt collector calls you, DO NOT give your name or any identifying information. Ask them repeatedly where they’re calling from and exactly what it’s regarding. They won’t tell you. Hang up. Answering the phone doesn’t count as contact, but giving your info DOES, which restarts the collection process. If a debt collector doesn’t collect or move against you legally for 7 years, the account becomes null and void.
Hello Friends! I am starting a journey to pay off my student debt! This blog will still include book reviews, don't you worry! However I will also be discussing my debt journey and how I plan to pay off my debt. One way I am trying is through Amazon affiliate marketing, meaning if you like the things I will be reviewing, please click on the link and if you buy the book or whatever it is I post, then I will get a commission and that will help me toward my debt repayment journey! I am also thinking about starting a YouTube channel but I am unsure if anybody would have any interest in that.
That being said! I want to discuss one way I am saving money this year is by using websites such as bookbub, and freebooksy to invest only in free kindle books to use on my kindle paperwhite! I highly recommend buying a kindle if you have not already and looking into similar websites as well as Libby, an app that connects to libraries and allows you to borrow books for free! My goal for this year is to not spend any money purchasing books!
If you are interested in a kindle here is a handy link to purchase one!
She did that
Even though it may be sad, many of us are starting to realize that student loans are not going to be paid off. Before the pandemmy I had over $16,355 in student loans. And like many others I didn’t receive a degree from the loans I took out. After talking with a neighbor and just thinking about my life. I decided to start paying them while they had no interest. I started paying off my debt in March. Keep in mind I am not a high earner (yet) and as of this day 6-15-23 I only have $6,957 left to pay off. I worked so much overtime. I didn’t buy new clothes. I don’t have a sugar daddy. I didn’t side hustle myself to death. I didn’t start a business. I didn’t scam anyone. I JUST WORKED MY 9-5. It was hard, but I will be done paying of my loans before September. I will be writing a post of how and why I decided to take this path. I may even start posting on TikTok. I want to be more open and I stepped away from this platform because I was struggling with some personal issues. Idk if anyone will read this, but if anyone does I want to just say, just start! Whether it’s student loans, taking charge of your health, making meaningful relationships. Just start you’ll mess up and when you do keep going. We’re all human, mess ups happen, and even giving up temporarily by taking breaks. But don’t don’t give up forever you got this! Till next time. Level Up on a Buck, but don’t stay stuck! >>>>> NEXT MANIFESTATION, OR MONEY GRAB?
Read writing from Riza on Medium. Every day, Riza and thousands of other voices read, write, and share important stories on Medium.
I recently read someone’s post touting the fact that they were living on $10/hr minimum wage while managing to save money and everyone else should be able to as well. Their math, knowledge of minimum wage and the actual percentage rate was highly flawed to top it off. It always makes me angry to read those posts because they don’t seem to have a concept that their reality isn’t the majority. The post made me remember how bad I’ve had it in the past and so I wrote it all down.
First, Federal minimum wage, last I checked was $7.25/hr while Ohio minimum wage (where I live) is barely more at $8.25/hr. This fluctuates from state to state, but is far from a living wage.
Second, the taxes taken out of each paycheck vary from state to state as well. In my state it is closer to 20% taken out once all is said and done.
I chose to be conservative with all of my estimates for the various costs of living, but even then I found that once everything was paid you’d not only run out of money but were in debt. This is why that post made me angry.
A lot of these costs fluctuate - gas, utilities, food. etc. And it fails to account for prescriptions, student loan payments, emergencies, co-pays, because there isn’t any money to plan for last minute expenses with such a low wage.
Then there is the issue of rent. If you live close to the jobs that pay more, you’ll pay more rent. If you live farther so that rent is cheaper then you have to have transportation and pay those costs. In Ohio there are lots of rural areas that don’t have access to public transit, but where the rents are affordable.
This is why there were periods where I chose not to pay for car insurance and why I didn’t have health insurance until I was twenty-eight years old. And even now I have some of the lowest payments for health insurance because my company isn’t based in the U.S. My car insurance is also particularly low because I’ve been with them for about a decade now and haven’t been in a wreck bigger than a tap ever.
Without my wife’s income, even now that I am making quite a bit more, I would be in debt for all of my emergencies, as I have been in the past. $7.25/hr isn’t a living wage and neither is $10/hr anymore.
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