Every journey begins with a few small steps.

Hello world! This is a bit of a random step for me, but allow me to explain.

I am a new nurse working in the midwest. I am 28 years old, just graduated in April of 2018. With my current Nursing Bachelor Degree as well as my previous degree in Arts (a Bachelor degree), my total debt, including student loans, credit cards, etc, totals in the six-figures.

I am terrified of my future. I have next to no money saved, and the monthly payments I have simply to work towards paying back all these debts is becoming insurmountable. Where I have friends who graduated 6 or 7 years ago, already debt-free, already married and raising children, here I am struggling to survive.

I am creating this blog to serve 3 purposes:

  1. To help work through my problems. For so long, I worked many jobs and paid no attention to my spending. I have slowly dug myself into a hole over the past 8 years with little to no regard for my future. Here I am at a turning point. Things have to change. If I can’t be honest about my finances, then what chance do I have of digging myself out?
  2. To share my experiences. I know many people – including my classmates – are struggling with debt. They hoped to find a good job as a nurse right after graduation so they could start paying back bills. It’s a symptom of this generation I suppose – the urgency with which we need money to survive. Through this blog, I will be working to save money, find tips and tricks to help me – so that hopefully I can pass along my learning to you, my reader.
  3. To serve as a creative outlet. I have always felt creatively inclined – always loved to write, and to read… With nursing consuming my life right now (and with little additional time for myself), I am hoping that beginning a blog will help keep me sane. In one form or another, I need an outlet to work through problems and get a moment to escape from my life.

I don’t know how this will be structured, I don’t know if anyone will read this or will even care about my problems. I do promise that I will be extremely open about my debt, about what I owe, because when I read self-help books and how other people got out of debt, I appreciated knowing the exact dollar amount and what it took to break even.

 

This is my journey – it begins today!

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