Saving Money

2009-April-5th

For the rest of this calendar year, the theme is thriftiness. For the first quarter of it, I went a little bit crazy with my project to shuffle up my computer fleet, in order to have fewer desktops, and the theory was that I would have just one “main” laptop. However, some unexpected costs (like buying another laptop purely because I had to send the brand new one in so often) and a ridiculous amount of “oh but we HAVE to do this!” events like Renaissance Festival and Rent, plus my ever-piling medical costs have put me in a pretty bad financial situation.

The medical costs are something about which I either haven’t written before, or haven’t published about. Basically, in the past year I developed a rare disease, and have been paying through the nose for the medications I need to be on, plus tests and continuous check-up appointments. Not to mention several very expensive blood tests I had to get done last year, totaling just shy of $800 on their own.

Everything else is just things that are stacking up. I am taking an online class this summer, the total cost of which is to be just over $900, and I am going to be living on-campus this summer, which is also expected to cost a lot. The costs of living on campus over summer will probably a bit over $1500, up at least $200 from what it was last year. (Last year was a special case too, because I started the summer with over $2000 in the bank, which I simply will not be able to do this year.)

To add to my worries, I had to use my dad’s financial information on this year’s FAFSA, which means that I am getting absolutely nothing in the way of need-based aide, and they have told me that they think I will get nearly $7000 from my family to pay for college. Really, I haven’t ever gotten anything from my family to pay for it. I took out one $4500 loan my freshman year and aside from that I have also been fortunate in the “not very much loans” department.

In addition to that, I haven’t seen my normal tuition waiver appear yet, an issue about which I will at some point have to call the office of financial aide, because that’s a very important part of why I’m able to be here at the university. I don’t know what I will do if I am unable to get any sort of financial aide going. I hate asking for money of my family because I know it’s something we just don’t have, and I have really loved being able to say that I am essentially supporting myself, and that I’m very nearly debt-free.

At some point I suspect I will have to ask for more money, either from my family or extended family, or from the government or bank in the form of loans. After that I just need to work on finishing out my degree as quickly as I can, and then get a job so I can start paying back the inevitable student debt.

This is not how I wanted it to happen, but I suppose it was an inevitability.