Tag Archives: Money

Tuesday Thoughts

 

detroit-bankruptcy

For those of you who follow my blog, you probably already know that I was born and raised in Detroit, Michigan. The home of the Tigers, Lions, Pistons and Red Wings. The city that drinks Vernors for whatever ales you. The city within a city.  Detroiiiiiiiiiiiiiitttttttt! Growing up my parents kept me pretty sheltered. They knew who my friends were, who their parents were and I wasn’t allowed to be anywhere without their permission. As a child, I didn’t understand why my parents kept me so guarded, my  understanding of the streets were opaque. It wasn’t until middle school that I began to understand just how rough the streets were and how vicious people could be. Even then, I was still living in darkness about the city around me.

In high school, I had more freedom. My comings and goings were still monitored, but I had a lot of idol time after school, before my parents got home. I became friends and even dated some unsavory characters. I did a lot of things that I shouldn’t have, things that others deemed as normal. I was exposed to different experiences, environments and people,I learned a lot about the streets. My vision become more transparent. A whole new world opened up, not a pretty one either. I started to lose friends because of their involvement in the streets, or simply because they were in the right place at the wrong time. I guess I became numb to death and loss became a normalcy. It wasn’t until recently that I began to take heed to all of the negativity and evil occurrences that continue to transpire in the city. For most of my life I’ve dealt with negative commentary about being from Detroit. Most folks think that we’re all killers and drug dealers;the scum of the earth. In reality, there are truly some amazing people in Detroit and from Detroit. The city is truly discredited for it’s efforts, mainly because of crime rates and mainstream media.

I’ve officially been out of Detroit for three years, I’m actively on the outside looking in. Bad things happen every where, but for a place that you call home to birth so much ugly, both sadness and sickens me. I fear for the lives of my family and my friends. Everyday I see at-least one my friends on social media post RIP to someone they love. I frequently hear about childhood friends being injured or killed at the hands of someone else. Again, horrible events happen everywhere, everyday, but it hurts even more when you are from the very place where events are occurring, when your family and friends are in the mist of it and when you fear for their lives.

I believe that Detroit is diamond in the rough, but like most places people uphold themselves to a different moral code. Neighborhoods have lost courage. Communities are broken, people are broken. People are living in fear. The value of inanimate objects is placed before the value of a human life. Individuals are consumed with greed and under the assumption that they own the streets. People take what they didn’t not earn. So many people have accepted the death and corruption around them that they see no reason to rise up against it.

I pray for change. I pray that people everywhere begin to see the value of other peoples lives. I pray that people begin to see the destruction that they are causing and the lives that they are ruining. I pray that if nothing else, people begin to see the error in their ways.

 

Driving Ms. Daisy

On Saturday, I finally decided to give being an Uber driver a go. My first ride was a a guy probably in his late 20’s to early 30’s who was going to a bar to watch the Indians game. He was very friendly and we practically talked the entire ride. He said and I quote,”I’m about set the bar for your passenger standard pretty high.” Most of the riders that I had were younger, simply looking to have a good time. I had a few older couples who hit the wine too hard. Overall, the night itself was an interesting experience. I enjoyed being able to see parts of the city that I’ve never seen and I got to meet some pretty awesome people. It defiantly  pushed me out of my comfort zone and forced to be more of social person,which I’m definitely not.

Driving people around almost feels like a therapy session on wheels. The more comfortable people all the more they talk and the more they tell. It was refreshing to have such a variety of conversations from education to deer hunting.

I’ll admit, I was nervous in the beginning, I watch Criminal Minds and Law and Order SVU way too often, my mind automatically went into detective mode. In the end, I realized the riders are probably just as nervous, if not more than drivers.

I had a few passengers who didn’t want me to follow the navigation directions but instead follow theirs, there were a few backseat drivers then there were the passengers that simply didn’t want to be bothered so I let the music do the talking.

Overall, being a driver is a solid way to make money and a way to meet new people in the process.

Sugar Daddy or Trap Queen?

 

I’m a centimeter away from either selling drugs, or getting a sugar daddy. Having a sugar daddy is probably more plausible. Right?

I recently completed entrance counseling to hopefully complete my current Criminology degree program at Cleveland State University.  I can’t say that I wasn’t shocked by how much money I’ve borrowed for my education, but I was somehow still shocked. If that makes sense. Why are educations so expensive? No, I’m sorry let me rephrase that, why are pieces of paper so expensive? I will literally be spending the next 10+ years paying off these loans for a degree that may, or may not be beneficial to my life. The current interest rate for federal direct subsidized loans for Undergraduate students is 4.29%. 4.29 %, that’s higher than the interest rate of some credit card companies. Meanwhile, I can barely keep all of my month to month bills paid. And, why in the hell are the monthly payments so high? For some reason the government thinks $300.00 a month is reasonable. Ha! Why not though? My fancy degree apparently has me making millions of dollars a week,right?

I’m not sure if I would have been better off not going to college and not having debt, or if I’m better off with a degree and this pile of thousand dollar debt. Why should I even have to ask myself that question? Why isn’t free college a thing? Or,at-least more cost friendly tuition rates. We live in a country where college is force fed, yet its not affordable for most American people. That makes a whole lot of sense. But, who am I kidding?  I know why its so expensive, the government likes raping our pockets. Keeping us poor.  Like seriously!  They love the sh*t.  It almost makes me want to fake my own death and move to a remote island. As a matter of fact,refer to me as Maria Cosmosa from this point forward. But, on a serious note, I sincerely hope that someday, one day soon we get a legitimate student loan forgiveness program with affordable repayment plans. More importantly, for future generations, I hope that tuition rates decrease.

Well, on the bright side, at-least I don’t have Sallie Mae breathing down my neck at the same time that Uncle Sam is pick-pocketing me!

 

 

Have a laugh as you count your own student loan debt, we’re all in this horse manure storm together!

Find Your Joy!

When it all boils down to it, would you rather have a job that you hate but it brings you wealth, or a job that doesn’t bring you wealth but allows you to live comfortably and it makes you happy?

I’ve spent my adulthood (I’m 25) working jobs that I hate but nonetheless have allowed me to maintain minor luxuries.  My co-worker and I had a discussion today about our jobs vs our happiness. We both agreed that we would rather be happy than make x-amount of dollars. Nonetheless, we can’t be foolish and say screw our jobs, let’s go live on a beach and catch sea turtles.  I would love to spend my time on this earth doing what I love to do but then I stopped to ask myself, “What is it that I love doing? What would bring me joy? What would I love doing even if it didn’t make me wealthy? Writing is the only thing that came to mind. I would love to travel and blog. Take pictures and write stories. Oh, and cook and eat! Realistically without having enough savings and some sort of income I probably won’t be able to do that. I guess that’s the irony of life. We get jammed up working jobs that we dislike, hoping that one day we can live out the dreams that we’ve engineered.

Sometimes I feel stuck,trapped in places that I hate. But, I know things will change, I just have to be patient and pray. I have to wait on Gods timing. I know that this is apart of my journey.  I know that I have to keep writing and become a better writer than what I am now. I have to master my craft and invest in myself. I leave you all with this,fight for what you want! Fight for your dreams and fight for your happiness!  Find your joy and figure out how to make money from it. Don’t give up, you are closer to bliss than you think!
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Concrete Rose

Welcome back!

With this being my second blog post, I wanted to dig into the ideas going through my head and what’s been happening in my life over the last few months. To some, it may just seem like I’m rambling but to others, you may be able to relate.

It has almost been a year since I’ve moved to Ohio. I haven’t done much of anything, other than work and I’ve found a few good restaurants in between working and doing my on-line classes. I’ve failed to make friends outside of work and Lord knows I haven’t met any potential matches as far as dating is concerned. I haven’t found a new church home and I don’t engage in any community activities.I knew people in Ohio prior to moving here but I’m literally always at work so we don’t hang out much. I don’t want to return to Detroit because I feel like there is nothing there for me, other than my family and friends. Even when I lived in Detroit I felt like work and school consumed my life. I basically gave up on my dreams and goals because work became my everything. That’s no way to live. Have you ever felt like you’ve been placed somewhere for a reason but are unaware of the reason? Welp,that’s how I feel! I feel like God placed me in Ohio, in my current career position for a reason…

When I first arrived in the “O”, some months ago I was hopeful. I felt “new”,for a lack of better words. Months later, I feel warn down and beat up. But lately, I’ve been feeling motivated to turn my attitude and life around. I’m focused on trying to better myself and become a better person. I want to completely surrender to God, get my writing on track and just better my entire existence.

You know how you get credit cards and you go a little crazy…GUILTY! Well I paid off all of my credit cards and shredded them. I’m done with being broke. Not having money is a feeling I’m all to familiar with. I want, I need to start saving more money. I don’t want to be 60 years old with no money in my savings account. The second thing I set off to do was finish school. I’ve come too far in my educational journey to give up. I also started back blogging and making You-tube videos more often. I should have never stopped. Yes, working is a priority to survive but my dreams and goals shouldn’t starve because of it. Most importantly, I want to strengthen my relationship with God and surrender all of my love to him. Without God, I feel like no matter what you do things will never be or go right. I’ve also been working on trying to eat better and exercise more. So far, I’ve done Zumba once since I purchased the DVD’s but I plan to do it at-least four times a week. I want to build more friendships and network. I don’t want to end up being an old spinster with two cats and a bird. Lastly, I’m okay with being single,”the man who finds a wife finds a good thing.” 

My co-worker has been really been helping see life in a new light. I realize that I keep a lot of things bottled inside. I’m sensitive but I can also turn around and snap into beast mode. I want to deal with my emotions in a healthy manner and properly handle problems. I have to stop suppressing my pain and frustrations. 

All in all, I don’t mind living a mediocre life but I don’t want to live knowing that I could have done better or that I could have done more. I want to reach my full potential and grow as much as I can mentally, emotionally and spiritually. There is so much that I want to do and see in life and in order to do those things I can’t limit myself to the four corners of my job. I want to live up to my fullest potential and experience what God has in store for me.

See beauty in your growth,just like roses in the concrete.

Until next time, be blessed and stay focused.

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