You know when you know something is wrong but cant put your finger on it? You know that feeling that just lets you know something is up? Well I got that feeling today and I decided to check in on my money. You see I am thinking about getting a small loan ($8,000) to purchase a bike. You see I think its time that I get to living life.. and living life requires money which I don’t have. So I applied for the loan on a Saturday morning about 3 a.m. out of curiosity. I filled out the quick approval section and seeing it as only a “hey why not try” thing with no real intentions. The funny thing was I got an email again that morning at 8 a.m. with a representative from my bank saying they wanted to touch base about the loan. I was actually pretty amazed that they even wanted to let me borrow money from them. Granted the rate is 6%, I still thought no one would let me with only having one job on my resume and that only being about 6 months.

That was all fine and dandy but I wanted to check in on some of my stuff so I checked the good old student loan I have been hiding in the closet. Since the email for reminders is in my mothers name, as well as the mail being sent to a P.O. Box that no one ever checked I had an outstanding balance. The dreaded time has come that I have to pay for the student loan that was more of a waste of money than anything else. I didn’t get an education in the formal sense.. the school sucked hard.

The school was supposed to be the top dog of all the gaming schools. I guess since I chose such a horrible degree it made sense. I would still love to create games for a living but I couldn’t handle the school. It was as simple as this:

• I wanted to chose my roommates after one semester and myself and my old roommate wanted to live with someone who had the exact same lifestyle as us but there was a problem, she was female. We were allowed to because she was already living with a guy, despite him pretending to be female. Once he moved out and another female moved in apparently administration caught word of the situation and demanded I move out during our finals week / my birthday. Pretty shitty.
• The new roommate was previously homeless… literally..and smelled. I couldn’t stand it.
• The teachers were former industry workers; they had no formal teaching ability. I actually had a teacher in the middle of a lecture, stop talking and leave class for about 30 minutes. I cant give them all greif however, there were some pretty memorable teachers there as well.

Stinky however was my last draw. I upped and left the beginning of the semester in the middle of the night. There was no way I was going to feed somone who washed there clothes with the same soap they washed there bodies…

With all of that I am stuck with a $27,000 loan for a few semesters of a wonderful city and a horrible education. Apparently looking at my bill the interest over time if I were to finish paying it in 2018 would be $57,000….what…the…fuck…

I made my first payment today. I guess I could always defer it again for school when I start up again. Apparently there isn’t any interest when you defer that way.. thanks government.

Oh I forgot to tell you, I am going back to school. How is that possible with my current schedule? It isnt. Good thing I got a new job in IT on the weekends as a help desk representive! The title isnt that, its actually really long and convoluted. It doesn’t matter.. I get the entire week off and I only have to work the weekends from  6 a.m. till 6 p.m. and my pay makes it so I make almost exactly the same as I do now with only 24 hours instead of 40. Gotta love “professional jobs” paying more!

So I guess my plan is as follows:

1. Get A motorcycle loan @ $8,000
2. Buy a motorcyle
3. Pay my current school loan for the rest of my life
4. Go back to school
5. Start selling artwork, web design, and t-shirts on my free time
6. Take advantage of that advertising budget I have never touched
7. Perhaps start my gaming clan back up even if it is a money pit

Is it crazy to manage 2 loans at the same time? Whats your guys experienced take. I live with my parents and my car is paid for.. the insurance on the car is also payed for in a family plan. I dont have any current bills, but in the future I might have them.

I get about $800 bi-weekly from the job, the bike payment will be about 300, the loan is about 400. That would cover one check and the other for extra things… what do you think?