Dear Personal Finance,
I have never been a risk taker, in fact, I have am very risk averse personality. I take comfort in just living the day to day with no time scheduled for wild curve balls. Here's some background information before I get to the meat of the problem:
I am 29 years old and I've been working a full time job as a custodian near the Portland area. I work for a community college and therefor an employee of the state I live in. I've been working there for 6 years in October and I make approx 27000/yr with good health and dental insurance. I am pursuing a degree in mechanical engineering and I would like to transfer to the local state college to get my degree. Right now, I get a waiver due to my full time status that pays for about 95% of my tuition. This won't be the case when I transfer to the state school.
Here are my expenses: ¤rent - $750/month, might go up to $800. I live alone in a small 1 bedroom that I share with my cat ¤food - $300-350/month including eating out and the occasional vending machine or convenience store snack ¤electricity, internet, and gas - $60/$70/10 respectively. I don't pay for tv, a friend let's me use his Netflix account or I watch something off prime. I don't really watch a lot of movies anyways. $500/yr in video game purchases that I occupy most of my time with
I have no car payment but my vehicle was stolen a few weeks ago. I'm still working with the insurance company. I don't know the payout but based on the age of the vehicle, despite it being in very good condition, I will be suprised with $5000 to go towards a purchase.
I have <$500 in credit card debt.
The problem is my job is sucking the life out of me and I desperately want to quit. There are people that have been working here since they were 19 years old and most fulltime permanent will never move on. They will probably never make more than $50k/yr. I don't want to wake up one day 40 years old with my life gone. I want to be smart about this so I don't make an irrational decision and throw my life away more than I am doing now. My supervisor and coworkers bully me, I am constantly anxious at any trouble I might get oher miniscule mistakes. I have no social life, i cannot pursue extra curricular activities or networking opportunities.
I want to take out a loan for 2 years of salary and just go to school for full time to get my career and move on with my life. Please help.
Submitted March 24, 2017 at 03:38AM by TwoUglyFeet http://ift.tt/2nKHT5c
