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Starting To Learn Data Analysis On Coursera

Right now I am currently a middle school technology teacher. I would like to gain valuable industry skills to better myself and provide more for my family.

We had our third child and expenses are rising daily for my wife and I. She is also a teacher, but one day I would like for her to be a stay at home mom, so she can give our kiddos full-time focus.

I like to build and create things. Computer science was a thought, but right now, I do not have the dedication and interest to study such a indepth subject(imo).

Project management has been a thought, but for some reason I want to focus on a specific skill.

While I am taking Coursera’s Data Analyst course, I am fidning deep interest in the subject. I am always calculating and analyzing the most weirdest things in life, so I am highly interested in this subject matter.

I hope to share more about this journey.

Cheers!

-E

7 Habits of Highly Effective People(Part 1)

So I am going through this book. This is not my first run in with this book. I had a roommate after college who worked for a small construction company. The leadership made all the employees dissect this book and do a group study. Well that was ten years ago. Now they are a multi-million giant in their own perspective and continue to grow every year. My friend who has always been a hard worker has been super successful for these past ten years.

I am in the section where it is breaking down the main habits of succesful people.

I am hoping to apply these principals in my life, especially the first three. I think I could be a better partner and dad. I know I could be a better team player.

Cheers!

-E

How To Get Over A Bad Break-Up

The quick answer is, it will take time. Like for real for real. It took me about four years before I could really start seeing a different picture.

Friends

Your true friends will be very helpful in this moment. My true friends I would see everyday, we would hangout and do all types of stuff. My mind wasn’t always there, but it helped to have funny and caring friends along the way.

We would do a lot of traveling and had a ton of great experiences.

Family

My brothers and mom helped out a lot as well. They knew what I was going through and would try to help here and there.

Work

Working helped take my mind of things. It was stressful work, so I couldn’t help put focus when I was there.

Working Out

Working out really helped me to focus on other things and helped my body cope with my depression. Having music while working out really helped as well.

Finally Facing The Music

I really didn’t move on until I faced the music. They wanted no part of me, and I had to come to terms with that. Not matter what my imagination could come up with to change the circumstance, the reality was, it’s over. I just had to move on. This is a lot easier said than done, but will eventually be necessary.

My heart goes out to you if you are reading this.

I ended up with someone far better for me, and I’m glad that I had to go through the valley of darkness to be with who I am with today.

Stay positive,

E

Jose Rosado Is A Genius

Today I watched Gumroad’s interview with Jose Rosado. Let’s just say it was a game changer for me personally.

I have been reading atomic habits lately, and Jose’s approach sums it up accordingly.

Just keep putting out tiny executable actions daily, and the interest will compound.

That’s my goal and plan.

How To Pay Down Your Student Loans Quickly

So it my my five year goal and my one year goal to payoff my student loans. I currently owe $20,269.98 in federal loans. I highly doubt uncle Joe(Biden) helps us, even though that was one of his campaign promises.

So my plan is to payoff my student loans as quickly as possible. Why? Because I would like to be well off financially, and one day “retire”(do what I want to do with all my time). But with debt, that will not be possible. Especially high debt.

Found Money

I have written about how I have found money in my name. First one was I asked my mom about savings bonds that she supposedly had in my name. She had some locked away and gave them to me. I am super thankful that I had parents and family that wanted to invest in me since an early age.

Second was, the state in which I live in, had money in my name. I filled out the paper work and received around $240 from previously over paid bills and different side jobs that I had.

Side Business Money

In the last three years I have been super lucky to have built a side business. But this is extra money that I am throwing at my loans currently. I also used this money to payoff my car last year. But now that that debt is paid off, my main focus is student loans.

I have another blog post on how I started my business and how I was able to scale a higher income out of it.

Side Hustle Money

A few of my top skills are writing, sales, and business. I am trying to try my hand at finding side jobs in copywriting to make extra.

I would work somewhere part-time, but I definitely look at the real hourly pay. After taxes, lost family time, lost travel time, etc. I am honestly trying to keep it higher than $20 an hour net. If it’s any less, then I know I can find something worth more of my time.

Covid is also playing a hard role in this decision. So most of the extra side jobs I am looking to find as online work.

Overall, I am hoping to kill this debt in the latest, five years.

Hope this helps. Cheers!

-E

Lex Freidman Interview With Elon Musk(Part One)

I have gotten through the first 40 minutes of the interview, and its a real good one so far.

My two main takeaways from the first part are, the system to creating the perfect product, and cost is the key compenent to any endeavor.

Elon talked about how creating a product with already known tools, can somewhat inhibit the perfect product being built.

Secondly, everything that Elon talks about as far as his in Endeavors, he seems to relate it to cost. Like the price to get to mars currently is high and yet not possible. His main focus for getting to Mars is to bring down the cost of ton to space. He mentioned something about a billion per ton, but that it needs to get down to a million for everything to go as planned.

I love this approach because I base a lot of things on cost, or missed opportunities for actions we take.

I hope to write more on this interview!

Cheers!

-E

How To Find Lost Savings Bonds

So I am looking for extra ways to find money to pay down my student loans. My mom had some savings bonds in my name that she has held onto for me since I was younger. It came to a total of $825. She said that she thought she may have lost some other ones that were in my name.

So, I went online to the Treasury website for lost bonds. I printed off the forms needed to get re-issued the bonds in my name.

It didn’t take long to fill out the forms. But I did need to get the papers notorized before I sent them in.

I don’t know if I have any in my name anyways. I’m hoping to hear back from them eventually. But I am not holding my breath.

Cheers!

-Emilio

New Ways To Pay Down Student Loans

So I have my loans down to $20,998.98. I’m pretty happy, because earlier this year I started off at $23,379. So I’ve been able to pay down around $2,400 dollars over the last eight months. Slowly, but surely.

My 2022 goal is to kill my loans overall. I am a teacher, so I am hoping to get $5,000 forgiven at the end of this school year for teaching in an impoverished school for the last five years. We’ll see if that acutally gets approved.

My district is giving us $1,000 to stay for the rest of the school year. So I hope to apply half of that to my loans.

I am still talking with the state for $240 in my name that they have. And I will use the remainder of my savings bonds, of $200 to help pay the loans down. My mom said there might be more bonds out there in my name, so I will fill out a form to find more. My family was very generous when I was born and younger.

Side Business

I have a side business that brings in $500-$1,000 most months. I hope to apply most of that to the loans this month and next year.

Side Hustle

I would like to start making some extra cash on the side in my down time. I am thinking maybe being a waiter, but the area I live in not the greatest for tips, but still an idea. I could possibly commute to a better area on the weekend.

I was thinking of cleaning garbage bins in my neighborhood.

My goal would be to make the most, in the least amount of time. I would still like to be home with my family on Saturdays and church on Sundays. But I know my wife would be willing to work with me for a short amount of time, if necessary.

My friends give plasma. I might look into that(just found a new center close to me, might dive more into it).

As I continue to find more ways, I will definitely share more posts.

Cheers!

-Emilio

Paying Down My Student Loans Quicker

This morning I made a payment of $660. So after this payment clears, I will have a remaining balance of $20,999.98. So slowly but surely. I know my payments will have to restart in January 2022. So I am trying to kill what I can before interest starts accruing.

I have another $140 to apply to it this month. I am also waiting to hear back from the state on the money the comptroller was holding in my name.

I researched more about loan forgiveness and for teachers, Perkins can forgive 100% of the loans. But I checked today, and I have Stafford loans. So I still qualify for the potential $5,000 forgiven after five years of teaching in an impoverished school. We see how that goes at the end of this school year.

Cheers!

-Emilio

How To Payoff Student Loans Faster

So I recently wrote about another post on how I found out that I have savings bonds in my name, and that the state in which I live in had money for me.

Yesterday I was able to cash in those savings bonds for around $800. It went well and my bank deposited into my savings account. Before I apply this money to my loans, I owe $21,659.98. I have $403.10 in unpaid interest. I plan to forsure throw the $800 at the loans tomorrow morning.

I sent in my paperwork for the $200 the state has in my name. So I know it will take sometime there to see what happens. I’m not holding my breath but I will follow up in a few weeks.

My Mentors

I have a few mentors and coaches that I’m on their email lists. And many of them are talking about 2022 goals. But I am reading Atomic Habits and Richer, Wiser, Happier. And both of these books talk about enjoying the process or “systems” of reaching your goal.

My main goal in 2022, hopefully, will be to payoff my student loans for good. So as of today, that is to knock out $21,659.98 in student loans.

The process will look like, researching ways to pay them off sooner. Using those ways. Communicate the whole process in blog form, to help others achieve the same goal. Then help my wife kill hers. That’s the plan.

Wish me luck on that one for sure.

More Than One Way

So when looking at a problem, you really have to look at it from different angles. When my wife and I watch the NFL, it’s great that we now have way more than one angle to review a play. So we have to use that idea in the same way when attacking student loans.

One way is that we could pay them down. Another angle might be able to find someone else to help pay it down. Another angle may be for us to get a partial forgiveness on the loans.

That is my next approach for the student loans, is getting them partially forgiven. I am a teacher full-time and I have been teaching for more than six years. There is a forgiveness incentive for teachers who have taught at impoverished schools for at least five years.

I am hoping to meet this at the end of this school year. That could be potentially $5,000 forgiven. Which would be huge, cause that’s almost 25% of what I owe now.

I plan to find more angles in attacking my student loans, and I hope to share all those ways on here.

Wish me luck!

-Emilio