How to save $20,000 Fast

Years and years of battling with student loans has come to to an conclusion. I am no where near done paying them off but I finally was able to find a lender that would consolidate all of my loans into 1. I went into college completely naive to what it was actually going to take and the fact that I would be renting my education for a minimum of what I thought would be 25+ years.

I went to a private art school for a while and then transferred to a major university in Wisconsin. I switched my degree about 5 times before I settled on Kinesiology with a business minor. I had to take summer sessions and winter sessions to get out in 5 years. I ended up with the maximum number of credits you could have before they actually start to charge you double for your classes.

All of this means I walked out with $70,000+ in student loans. I took as much as the federal government would allow but also had about 12 different mini loans through other vendors. I worked for a not-for-profit so money was tight and I needed a payment plan that would allow me to still eat some food. I chose the escalating plan. This means that every 2 years the amount I would pay towards the loans would increase. In the past year my loans have been sold to other vendors and the interest rates have doubled, and the amount I am paying has changed bi-monthly. I have been paying about $700 a month in student loans. This is why I say I literally rent my education. (I also always make a joke of… I can’t wait to see my mental capacity when I have access to 100% of it).

I have investigated over the past 8 years the best way to consolidate this and get these paid off as soon as possible and finally I was able to find a lender that would consolidate ALL of them, including my federal loans into 1 payment.

(Before you ask, I am not eligible for the federal forgiveness because I was under the minimum requirement).

https://www.lendkey.com/

Lendkey has been so amazing! The company is easy to work through, the process was informative and they called me when I needed more documentation. When I couldn’t understand what I needed exactly I called and talked an employee that confirmed what I needed and we laughed about the entire process.

Example of some of the documentation required.

In 1 week I was able to submit all the documentation, get approved and now I will be student loan FREE in 5 years. instead of 18!!! I will be saving a minimum of $20,000 in the duration of those student loans. It would have taken 7 years to payoff the loan at my previous payment amount. I decided to increase the amount I am paying each month by 20% so I can be finished in 5 years. This will save me an additional $2500 in interest.

I wish I would have found this company sooner and in result I wanted to share. If I can help 1 person, writing and sharing is worthwhile.

Author & Referral: Raschel Biagioli 

Ready for the real reflection?

All relationships are a mirror.

You may not be ready for it and when the relationship is going sour, it can be hard but you need to take a deep dive inside during these hard times so both people in the relationship can rise.

The universe will provide you each person who you need at exactly the right time in order for you to peel away a layer and understand more about yourself. You just have to be ready and willing to stare that mirror in the face until you can figure out what it is reflecting back on you.

You. You. You.

It all rolls back to you. Instead of point the finger at the other person, I recommend that you first need to start by pointing it at yourself. If you actually take this look inside you will see how or the ways you changed yourself during that relationship. What “little things” did that person do to you or what are the things that just drove you crazy? What were you not able to communicate? What were you not able to hear in what they were saying. What filter are you seeing them through. What blinders have you put on.

Examples:

When he/she said they want you to be honest no matter what, and then you just omitted some of the details, then you did not hear what they said.

I am not condoning violence or verbal abuse or any bad situations.

I want everyone to take a dive inside and REALLY look at yourself. How are you hearing people and what of your personal issues are you filtering conversations through?

Sometimes mirrors show up that you may not be ready for. If you are not ready to look yourself in the mirror in a pit-fall of a relationship, you will create the same issue inside a different one. (Sound familiar? “I just cant seem to meet a nice guy/girl?” “I only date bad guys/girls.” ) Sometimes when you wake up and realize it was you… then you can see people and old relationships through a whole new lens and possibility.

This work is hard. This work is meaningful but this hard, meaningful work on yourself will allow your relationships and your communication to soar.

There is so much opportunity if you are willing to be vulnerable and listen to your own stories you are see people live into. It takes two to tango and 50% of that relationship is you vs. 100% of what is being done “to you”.

Watch your patterns and see them and when someone asks you about them instead of becoming defensive really look at why things are stressing you out. It is an internal reflection that is there for you to choose.

I recently went through this with a partner. They wouldn’t respond to my calls or my messages. I had a bit of a melt down but then choose to look inside to see what was wrong with me. I couldn’t understand what I had done wrong to change them and push them away. After a few days, I was able to finally see later that the way I was acting was also pushing them away. When I go up into my head instead of just sharing with them I create the push away.

By me not sharing that they had not called me babe I was creating an emotional barrier of “I guess I am not good enough.” By sharing this vulnerability and need I opened myself up and shared how it affected me and then was able to get into their shoes and really support them through their own struggles. By sharing where my brain goes and telling them I was not feeling “good enough” we broke down a mirror and we are able to see eachother again.

The reason you see it in someone else is because you can see it inside yourself.

What reflections are you ready to see? What ones are you working on? Which ones keep showing up?

And so it is.

After intimacy, he changed.

While helping people I hear this all to often.

 

“He was amazing and sweet and we had some great dates and then we got intimate and he changed. His communication change, he drifted away. I am anxious that I ruined things.”

Everyone gets nervous.

This is my pep-talk to anyone that may be experiencing this type of anxiety.

 

Know that everything you have, and everything you have to offer is AMAZING! You are more than sex! If that’s all he was trying to go after then you deserve better. You need to know that you’re worth amazing. You are worth your wildest dreams and then more!

 

If he wants to walk away form AMAZING, let him walk.

 

State what happened. ” We were dating and then we got initiate. After getting intimate he no longer talks to me the say way.” This is exactly what happened. The story you are telling yourself is where you are driving yourself crazy. Nothing in what happened did he say that you are not worth his love, or that he is not interested. Your anxiety is rising from the “meaning” you are assigning to what happened.

 

After those great dates and good conversation you have things to add or delete from “your list“. You can add that you loved the way he talked to you, greeted you and made you smile. You deserve that all the time not just before getting intimate.

 

Set yourself up as an expectation for dates to rise to.

“How do you do that?”

 

State exactly what you expect, and don’t always give in. Don’t always be available. Live your life and fit them in when you can.

 

If you get too annoyed and he is starting to trail off, just cut it off and move on. He is not worth “wondering” if he can’t understand your worth. State exactly what your expectations were and are.

 

Example:

“I love the way you talked to me in the beginning. Because you gave me that, it became a standard and an expectation. You proved to me that you’re capable of it. After we became intimate you decided to back off and I’m on not OK with that. I want more that you currently are giving me. I am going to back off and wish you luck. I hope you find what you’re looking for but I am going to look for someone that can rise to my standards.”

 

You are not accusing him of anything, you are not assuming anything. You are simply stating the truth and sharing that your current needs and expectations are not being met. What happened and not the story.

And so it is.

 

 

Featured photo: I worked with this beautiful, strong, independent woman, Teral when I lived in Milwaukee. She is someone that always creates her own path, her own style and lives the life she wants to live. No matter what gets thrown at her she comes out stronger, more creative and presents herself with an positive outlook. She

Teral is the owner of Salvage Apparel and Neck Ties & High Heels in Milwaukee, WI. She has taken second hand shopping to a whole new level by creating unique, bold and strong sense of personal style for her customers.  

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