I have a conundrum…

I have in my savings, about 2 months worth of local salary. This amount of money can usually feed and house a family of 4. So I can live off it, for maybe 3-4 months.

My problem is, I left some important paperwork in the US. and I need to actually get it personally. This means, I’ll have to spend that money for a ticket to go back. I think I know what I have to do. Which is, go back to the US. Because while there, I can earn more. It’s just a bit scary to use up the money I have left to run an errand.

Someone guide me.

Since I don’t have bills, I can develop some website and see if any of them can have income in a month before I have to buy a ticket. Thoughts? Suggestions?

-S

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Of Frustrations When Moving Back Home

I recently moved back home, because it makes sense financially. I don’t have much savings to live off of, and with what little I have, I would rather spend it on investing for projects I want to pursue. But because I lived in North America for awhile my family here in South America thinks that I’m made out of money.

My family can be classified as upper/middle class over here, well at least if we think of family in the extended sense. It’s an expectation for parents to pay for school/ help out their kids over here but that didn’t happen to me while I’m in N. America. So when I come home, I’m expected to bring presents/ treat everyone.

When I asked my aunt about meeting up, she asked me for a gift. I told her, I don’t have any because I’m moving home since I’m broke. She jokingly said “you still don’t have savings” or maybe it wasn’t a joke even.

It’s frustrating for me because, unlike my cousins, I had to take student loans out for college. Unlike my cousins, nobody went to my graduation – I didn’t even walk. Unlike my cousins I don’t get christmas money or birthday money. Unlike my cousins I paid for rent. So I think it’s so unfair that the expectation of me having my shit together seems a bit high. I already feel like shit that I don’t have my shit together. I’m just annoyed with the misconception that everyone that moves to the Western World thrives.

I didn’t… and it’s also largely because of abusive father but that’s another topic. I’m feeling a little down after this move. My lifestyle is a definite downgrade, but I plan on using my “educated-in-north-america” card as much as I can in order to open doors and thrive here, and there and everywhere.

XXX
-S

Fight and Flight

My past employer is disputing my Unemployment claim based on “misrepresentation of facts” Basically, I got unemployment because the business is participating in illegal activities which is – not paying their employees on time. After that, I have been harassed and sent inappropriate messages before they even knew I applied for unemployment.

They’ve made me very emotional, angry and frustrated through this whole process and I think I have every reason to. So, I don’t want to represent myself during this hearing and would prefer a lawyer to handle it. I’m nervous and so uncomfortable but I know in the end I am right. Am I worried that I’m a low-income minority woman taking on 2 rich white male? Yes. Yes I am.

So if you have any suggestions or words of encouragement I could really use it for the next few days. I will keep fighting this.

-A

So Much Good Signs!

I’ve never been the one to look at coincidences, events and symbols as signs of things to come, but lately I really think and believe that things are falling into place and I am exactly where I am supposed to be. I am happier – definitely no longer depressed. I feel productive and have been building momentum for working on my own things. I’m not sure where this creative steroid or high is coming from but I wish I can bottle it up and relish in it.

I’m nervous about my big move, but I know it’s what I’m supposed to do, and before that I have to finish a lot of work and fund it. Maybe I should just push for my $20,000 goal in one month. Realistic? Probably not but if for once I’m following signs, then maybe I should keep going with this in mind and really give it all I’ve got and go all in.

I’m not playing. I’m all in.

Best,
-A

Where the Wind Blows

I have officially told my roommate that I’m leaving at the end of the month in September. I’m not sure if it’s the best decision, but I know that I cannot afford to pay rent so I’ll be moving home. My income has been unpredictable and that’s the scary part when it comes to moving to a new city, but even as I’m typing this I am realizing that it makes so much sense to be home. I’ve been a little aggressive lately when it comes to side hustles, so I hope it all works out. Fortunately, moving back home means cutting some expenses, but my travel costs and a possible lost of access to my clients is a worry that I will face once I’ve settled in.

I wish it was so easy to save money to buy a house instead of rent, and to pay off debt. But I know that taking this step means I will be spending less and I can focus/ concentrate on my financial goals. It’s so easy to feel discouraged and nervous so blogging and typing about it actually really helps.

Boost!

I got a boost of happiness lately, I’m not sure what the source is. I think it’s doing what I love and being my own boss. I participated in a flea market sort of thing in my city this weekend, and I sold some of my crafts! The road getting there is a bit hard and difficult and I learned so much about how to work with people, but overall it was a great experience. I actually ended up almost wanting to stay in my city because of it. But I know not to be distracted by small victories as if they’re the source of my true happiness. In fact, I didn’t profit. But, what is important is that it gave me energy to keep pushing on working for myself. I want to make it so that I can have my own workshop/ studio but I probably need at least $10,000 to make that happen. I’ll need that soon too, since I’m about to give up my apartment. I’m questioning whether or not it’s the right decision but I kind of want to just decide and commit to it, so I can’t look back. I need to not have other options, so that failure can’t be one of them. I have to make it work. Fortunately, my new boost of energy has kept me so productive lately.

Here’s to hoping I can keep selling my crafts and keep finishing passion projects that will eventually lead to me actually getting paid by working for myself!

Best,

-S

Time and Money

I have about a 3-4 month that I can keep living off my unemployment if everything goes well. I look at it as my grace period. Within that 3-4 months I need to be able to keep all my bills current. Renew my passport, and stand on my own 2 feet.

I think I will start investing money in the stock market even if it’s only a little bit at a time. I also decided to make all my credit cards current, and I think I can have 2 of them paid off before that time is out.

More importantly, I need to have my career almost set-up before that time is up. There’s so much to do! Now is not the time to be complacent.

On Self-Employment

I mentioned that I got laid-off/quit because my previous employer never paid me on time right?

That event is big… because I’m in debt and will turn 30 this year. But It’s great because it makes me feel so uncomfortable, I’m pushing myself to the edges. With that said, here’s some quick rants on what I’ve learned so far as I try to be self-employed.

Read your Contracts!
– So many companies use templates from the web, that they fail to change basic info such as location, names etc. This is of course a no-go.
– Negotiate the terms. I’ve been talking to a prospective client for over a month, it seems like it’s going somewhere, but I’ve never in detail told them basics of getting paid. In order to compromise. I’ve accepted the NET-30 payment terms they suggested, but reiterated that I need a deposit before I even start anything.

Big Lesson of the Day:
During the ‘dating phase’ of getting consulting work, make sure to be very clear about your payment terms. Put this in your project proposal! So that when it comes down to signing contracts, there will be less amendments.