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Input/advice, please. [Aug. 18th, 2009|11:52 am]
Peripheral
[Current Location |Welland]
[Current Mood |thoughtfulthoughtful]
[Current Music |The Climb - Miley Cyrus]

I am trying to figure out if I can afford to go back to choir this Fall.

Technically, there is no way I can afford the membership dues. With my two student loan payments, plus the money I owe Ed & Elaine, I'm currently just scraping by. Thing is, Ed & Elaine will keep telling me not to worry about paying them back (they have said this numerous times already) but it's already been over a year since they lent me the money, so I would like to finish taking care of that as soon as possible.
As for the student loans, I am letting the larger amount slide, which is risky since it could still show on my credit report, and only sending in the smaller amount when they send me "past due" notices. Hopefully and eventually, my application for loan forgiveness will be approved, and all of that will be erased. The thing is, the last one took 8 months to be reviewed, and I haven't yet even received a letter acknowledging that they have received my application.
The other thing, is that I am fairly certain if I said I had to drop out of choir for financial reasons, they would most likely tell me to come out anyway, which I just don't think is fair to the other members who do pay.

I guess, as it stands, I'll go to the practice in August and see what I can do. I'll definitely still pay for the top we just had made ($15). I may take money out of my emergency fund to finish paying off Ed & Elaine, but I'm not sure if I'll be able to go to Anime North 2010 if I do that.

I honestly haven't bought groceries in so many months, I can't remember. Just the odd thing here or there (ie milk, fruit).

I guess I'm just not sure whether or not to make choir a priority. I'm posting this here, because I know what the several people I could talk to about this in person would say.

Thanks for your input.
LinkReply

Comments:
[User Picture]From: dagfari
2009-08-18 04:24 pm (UTC)
You're relying on a lot of people right now, Sarah. Ed and Elaine know this as much as you do, and they're okay with you relying on them.

Let them know you appreciate it by accepting their generosity and doing well at choir.

I figure that's the best solution.
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[User Picture]From: dagfari
2009-08-18 04:24 pm (UTC)
solution at least until you pay them back is what I mean. :]
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[User Picture]From: phantomeor
2009-08-18 11:04 pm (UTC)
Hi hun! so here are my ramblings:

I don't know Ed and Elaine as well as you, but from what I do know, they're very understanding, and want all the best for you. I think that they know you want to be self sufficient and not relying on them as much, but they don't want you to get stressed out about trying to get financially stable while paying them back at the same time. Little by little is still good.

I guess my thought is, how will you feel without choir? Will you miss the social aspect of it, the people? Will you go out and be social in a different way? Will you still get together with those you cherish at choir.

I hope this makes sense. Otherwise you can always shoot me off an email :)

*hugs*
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[User Picture]From: nineveh_rains
2009-08-19 12:50 am (UTC)
Yeah, that's the major thing is that choir is my major social outlet. So giving it up would cost me in other ways. I'm just nervous about commiting to an entire season, you know?

I appreciate your input.

*hugs*
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[User Picture]From: phantomeor
2009-08-19 06:17 am (UTC)
can I ask how much the dues are? and I know that a season can seem like a long time, but we have to remember, time does seem to fly by, and they do understand that life happens.
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[User Picture]From: nineveh_rains
2009-08-20 02:30 am (UTC)
I can't remember if they are 10 or 15 a month. But, they may also increase it due to larger expenses, etc. Back when they almost had to increase it before, I told them I wouldn't be able to afford it if that happened. I'm sure there are a lot of other members who wouldn't be able to either.
The thing is, if I was paying out everything that I ought to be paying as it is, I wouldn't have that money anyway. I think this is something I am going to have to discuss with my therapist, about what to make a priority, etc.
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