My Life

2016 has been a great year

Around this time last year I did not think that I would be where I’m at in my life now. Last year this time I was:

-living paycheck to paycheck

-had a negative balance

-working as a substitute teacher

-couldn’t pay all my bills

-living at home

-depressed

-unhappy

I was a lot more things but those were the main things. Financially I was so unstable and that was hard for me even with living at home. My mom footed the bill as far as a roof over my head but for everything else, I had to pay all of that. I felt like I was hitting rock bottom. This may not sound like anything serious to anyone else, but it was a serious thing to me.

Things started looking up when I took my contract exam for my teacher certification at the beginning of this year, January 12 to be exact. I passed all parts except one, which apparently was not enough to to get hired as a teacher but whatever. So I retook that section I didn’t pass again a and I passed so I got my probationary certificate. I was so excited about that until I started applying for teaching positions and was being denied from each one. So I pushed that to the back of my mind.

The next thing that happened after that was I paid off a loan with my bank and the IRS. That freed up a great deal of money for me and I became somewhat stable until summer came and I w no longer working as a substitute. Substitute teachers do not get paid in the summer like teachers do. I was working part time as a tour and that was barely enough to eat off of, I had to ask my mom to help me until I could get back on my feet, and I’m not a prideful person but I hate depending on others even if it is my mom. 

June is when things really started looking up. I finally got a yes for a teaching positions to teach second grade and I was ecstatic. I was too happy to finally be able to find a job that I wanted. Not long after that, I moved into my first apartment, in August, a week before school started. 

Once I started working, I became happier and happier because it was what I wanted to do. I love teaching, I love working with kids and just knowing I’m making a difference in the life of a child. With that comes great pay which has helped me a great deal financially. I will have a credit card paid off in February and the other possibly before the school year ends. 

Another thing I’ve been able to do was write a new book and start on another. I’ve had a lot more creativity since I have been able to work doing something I love. I’ve been happier and I think that translates into some of the things I wrote in my book. 

I’ve also been able to reach and impact more people on social media through IG and YouTube. Those are two goals of mine in 2017 – to grow my rolling and reach more people.

With all of that being said, I can only imagine what great things are going to happen in2017. 2016 has been so great to me, and I am thankful for everything that has flourished in my life. With patience, faith and positivity, great things will happen. 

Let me know in the comments what great thing shave happened for you in 2016. 

Financial Advice

Financial Friday: Why are Black People in So Much Debt?

DISCLAIMER: I AM NOT A FINANCIAL COACH OR ADVISOR

Out of all Americans, my people are the most in debt. We have the highest debts, even those of us who live in low income areas. Why? I blame lack of knowledge, the environment, rappers, Black reality shows, financial ignorance, etc. There are many things to blame and I want to express my reasons for a few.

Rappers

Everyone wants to be a rapper nowadays. To most it is the quickest way to get rich and they all want money to throw on cars, clothes, jewelry, etc. These rappers promote a lifestyle that is not attainable by most, and this keeps my people down, struggling, dying and who knows what else. This lifestyle that so many want to attain, is not even real. These rappers aren’t happy with this lifestyle and are selling their souls to promote it. All these rappers rap about are drugs, sex, women, drinking, cars and money. But reality is, most of these rappers have never experienced any of the things I listed above. My people, stop letting these rappers lyrics fill your head with empty hopes and dreams. Either the person becomes broke, lands in jail or is murdered for not paying their dealer on time, in full. Yeah, drug dealers don’t have payment plans.

Reality Television

Excuse my French, but reality television is shit and it is a damn shame that my own people would act so ignorant, foolish and like a stereotype for the entire world to see, just for a paycheck. Why would anyone want to be like that? This shows us in a bad light and we watch it, wanting to be like them and have money and be fancy and show off for people when we don’t even have that kind of money. Many of these reality stars don’t have that kind of money. Stop going broke just to be able to promote ignorance like these reality stars. Many of these reality stars are doing reality television because they are broke and in debt. That is not an excuse but it’s the truth.

Lack of Knowledge

Many of our parents grew up poor and in low income areas. We tend to be like our parents because they are our first teachers. We mimic what they do. Many of our parents didn’t finish school or get a proper education and some of us fall victim to that. They didn’t have the mindset of wanting to get out and not be like their parents, which causes them to make horrendous financial choices, then we follow suit. Many of our parents didn’t and still don’t know about credit cards, loans and any money that you have to pay back. This is our downfall. Many credit companies target Black people to get them in debt and keep them slave to a system that has been out to destroy us. I fell victim to that.

College

Because of a want for diversity, many colleges target kids in low income areas, bribing them with huge scholarships, not telling them that eventually they will have to take out student loans. This false advertisement is for the student to come to their school so that the school gets money, with no regards to that student’s financial future. Schools purposely do this because they know these kids can’t afford to go to college, and even though they may drop out, the schools still get that money. Or you have those like myself who did not qualify for free money and had to take out student loans my entire college career with no knowledge of how loans would affect me financially.

Conclusion

There are many other reasons like credit cards, not being able to manage money, the death of a family member who’s financial burden falls on you and so much more, but this post would be exceptionally long. There are so many factors that play a part in why Black people are in so much debt. I want my people to educate themselves on credit cards, loans, leases, mortgages, anything that requires money. Below are some resources to help you out.

Resources:

Financial Peace,

Afro Vegan Hippie