Consequences of Student Loans

This is such an extremely important message! I have to say even though I was blessed to be able to finish school, I have a degree in my desired field, and even got a job in my profession … the pressure of student loan debt can be overwhelming. That is the ultimate understatement! The pressure is so intense that usually I will not think about it beyond the time it takes to make the monthly payment or during our family monthly “budget meeting”.

Recent college graduates are facing such high levels of debt, unmanageable levels of debt, that they’re holding off on having families, buying a car, buying a home, and being active community and citizen members in our country. So unfortunately, we are no longer seeing what the goal and the purpose of higher education is supposed to be founded on…  (Excerpt from YouTube “Student Debt: Denying the American Dream”)

Wanting to make a difference …
Work in your strengths …
Do something important …
Create a life around your passion …

These were the things that motivated me when, at age 24, I evaluated the price of my future in terms of student loans. College was all about proving something to myself — proving that I really could set goals and achieve them. Proving that I wasn’t as low as I was made to feel every day. Finding that I could push myself and contribute something amazing and then dig down a little deeper and find that I could even do better than that.

So is the cost of college worth the decades of sacrifice and stress that seems to follow? I’m not sure. many people are self taught entrepreneurs, others lie on their resumes to get a job to get experience, and others just seem so talented that someone took them in and apprenticed with them. Every day is a learning experience.

Is college worth possibly never having children?  If this is something you want out of life, you may want to have kids first…. At the time, I certainly had no intentions of having kids — but a lot changes in the time it takes to get your Bachelors degree. Each person will have to make up their own mind about that issue, no one can tell you what is best for you.

If you are thinking about college or maybe already finished, please learn to manage your money!  If that’s the only thing you focus on for the next year, I don’t care, but DO IT!

One possible solution to going to college minus the debt, see the video below. (I am not an affiliate, just a fan.)

More Bizzaro World!!

Very interesting… The Colbert Show revealed that the national average teachers salary has been much more than we all suspected. You can read all the dissection of the issues on HuffPost, but my point is, teachers make more than my husband or I do! Shocking! So why are we always hearing that they barely make anything? Check it out!

Focus in all the wrong places

Society today seems so focused in all the strangest places
What kind of car you drive?
What zip code you live in?
From your annual income, to fashion sense, sex appeal, tanning, mani-pedicures, waxing, etc.
Even which salon you get all this done at and which retail store you paid for your shoes.
You see this everywhere, consumerism, and with it the desire for a feeling of importance or status.
There are even important status issues with which generation of iPod you own!
It never seems to bother me more than when I head out of town and see the way that people interact, parading in front of each other not only their fashion sense but their gadgets, professional title, even their expense accounts.
Why does any of this matter?
It’s all meaningless!
Not that we can’t find joy in these, and many other things …but how and why do we think we can extrapolate our worth from possessing them? And what is that supposed to accomplish anyway? Is it all some sort of social manipulation?

Shopping … more like restocking

This happened a week ago but it still makes me smile!

One more pass through the grocery store as I “restocked the shelves” with a case of Top Ramen, a few tempting flavors of ice cream, and a very nice bottle of wine…. Talking myself down with things like: No wine tonight anyway, I have too many things to accomplish right now. I don’t need the calories. I should be eating vegetables instead of top ramen and ice cream. Finally ending with… it’s NOT in the Budget!

At the checkout counter, everything rang up very quickly as the adorable young blond cheerfully chattered about just a few more hours of work. She paused for a moment to ask if I wanted the Coke left out …. What? I hadn’t grabbed a Coke!

I looked down to see that she had rung up a fist full of candy bars also which were quickly claimed by the next guy in line. I had to do a double-take… the one with the major sweet tooth was an attractive, physically fit, well dressed, clean cut looking gentleman. I had to laugh inside at the irony of my trip around the store restocking the shelves with all the stuff I really would love to indulge in and where I am in my fitness program at this time in comparison to this gentleman.

Of course it was probably for his wife or something, but thank God for those moments in “Bizzarro World”; they let me know I am still alive! I’ll budget for the Moscato and have it another night, I feel a Bunko girls night is coming up soon anyway.

Year ending – Holiday letter

Well, I suppose its that time of year! I refuse to do a Christmas letter this year. Not lazy… so busy I can barely see straight. No Christmas cards have even been signed or sent out… probably will only happen for the grandparents this year but I wanted to recall a few good things that happened this year

    • We have been working on our debt snowball… it’s slowly getting bigger and overtaking our larger bills.
Baby rolling around in a pile of $100's
Baby rolling around in a pile of $100’s
    • We bought a newer Corolla, cash in hand, and it felt really great not incurring another car payment. Of course, we had to throw the cash on the bed first and let our cat roll around on it since we were too embarrassed to be caught on camera doing such a silly thing.
    • My brother and his family came to visit briefly a few times this year as he took interviews all over the country looking for work in his new area of expertise, lineman.
    • Put my life in my new sis-in-law’s hands by taking a motorcycle ride with her
It was a necessity ... we ran out of Monster
It was a necessity … we ran out of Monster
    • Mostly we spend time with family and friends whenever we aren’t working. This year we’ve been blessed to see two new nieces added to our extended family. They couldn’t be more perfect representations of their parents.
    • As you can see Jonathan is feeling more like himself these days… praise the Lord
My best friend
  • We continually rediscover what a treasure it is to just sit and talk to each other. I really did married my best friend
  • Oh, we moved to a less expensive rental and applied the difference to our debt; we are getting far too responsible in our old age. (Speaking of which, it blows my mind we are both now in our 30’s!) Anyways, the best part is we are right in between Richmond Beach and Edmond’s Waterfront now and if I make it home in time, we get to enjoy a sunset together too. We are so blessed.
Richmond Beach Lookout Point

Wishing you an uplifting new year and I hope you find reasons to celebrate each and every new day.

Bizarre Coffee Cup

Quad Shot Breve Mocha

Like many people, I frequent a barista on my way to my (sometimes stressful) marketing/graphics director job.
Again, like others I know, I don’t always drink it before it gets cold. So naturally I warm it up in the microwave for about 1.50 minutes.

In the last few weeks I have noticed a change in cup materials that causes the base of the cup to begin to burn in the microwave and smells like I just lit our paper bin on fire. Photos attached. This also happens with whatever Starbucks is using too.

Very weird! A side effect of using even 10% post consumer recycled paper?

Screw Tradition, a well timed necessity delivered is way better

Gods timing is impeccable! Jonathan and I both mentioned “needs” for our Christmas wish list this year. We go all practical so we won’t feel guilty or something…whatever! Jonathan was getting frustrated that his computer mouse would randomly click above where he intended to click among other oddities. So when I stayed home one day and his new gaming mouse arrived, I couldn’t help but encourage him to break the rules and open it early! I have really needed an outlet for a lot of the angst I have been feeling so I asked for a treadmill. Tonight, an absolutely perfect used treadmill was delivered to our door!God is good!

Inspirational Design Figures

There have been many great designers who have gone before me; Cipe Pineles, Saul Bass, Paula Sher, and so many more. Some were self taught while others were highly skilled and educated in their craft. They were and are so artistically endowed. Personally, I have always found more inspiration from creating clarity in visual communication and balancing creativity and supplemental information.

I recognize that the best service I can provide includes communication for business and the ever changing economic environment. I focus on listening, and strategizing with my clients to meet their goals.