since i haven't really been working, i've been seriously considering going back to school and finishing my degree. as i mentioned before, it's a problem i have being a jack of all trades and master of none. now is a good time to really focus on just one thing and stick to it. i have a few units left to get an associates degree. if i stick to just school and no work at all, i can finish the bachelor's in less than 2 years if i go 18 units each semester and take 9 units in the summer too. so the total will be about 2-2 1/2 years and i'm done with my bachelor's degree. if i decide to continue on and get a master's degree, then that will be another 18 months to 2 years. i'll be 34 by then but i'll have a better shot at my future.
i really like investments and finance, so maybe i'll start off with that. i have to figure out now how to go about choosing the right school and getting the right financial aid (grants or loans or combination of both) to help me get through it.
i still have bills to pay but if my creditors are willing to freeze my account but still keep accruing interest, i will have less to worry about while i finish school. if my creditors do not agree, i'll have no choice but to start defaulting on them. they can try to collect but i have no assets or income. and my savings is protected under a retirement program. i have to save what i have left in my savings to get me through school. if my credit suffers while i do it, it may be my toughest choice to make, ever. i've had spotless credit since i started building it. but i'm sure i can figure out how to rebuild it when the time comes. my main problem is that when i'm done with a business/finance degree, the main career that i'll be looking at is a banking/finance career where i'll need spotless credit. so hopefully, the creditors will be more than willing to cooperate to protect my rating in order to pay them back once i'm done with school.
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