Paulo Almeida

Paulo Almeida, drummer/percussionist, arranger, composer

Drummer/percussionist, composer and arranger of multiple music genres.

I feel like I should be writing something

I actually enjoy writing blog posts. The thing is, I don’t know who they are for. I’ve alway been down to journal, and from time to time, I do take the time to do so. But it seems like the main reason I don’t do it every single day is because I just “have” the time, or probably that I’m not willing to put in the time. I’m going crazy on my debt. I’m sick of it being there. I’m sick of making better money here and there and not being able to save it or buy a house because there is this weight hanging over me where I have all this money that I’ve borrowed over the years that I still need to pay back. It’s the responsible side of me. I feel it very necessary to take care of this debt, rather then just find a way to not have to pay it back. So, it’s taking me a bunch of time to spend working to get it taken care of. I work full-time at Trader Joe’s, which is a very good company to work for, but as far as I am concerned, the raises (which come out to about $1.50/year at this point) aren’t enough for me. In the grand scheme of things, they are significant because I’ve heard about so many other people who work for companies that give peanuts for raises. For that, I am grateful. But what it boils down to is, how will I make more money to pay off my debt faster. I’m not one to only pay minimums. You’ll never get on top of your debt that way. So I’ve been following the advice of Dave Ramsey since July 2017. Since then, I’ve paid off $10,000 of credit card debt, $10,000 of my car loan, and now all I have is my student loans, of which I only paid $450 last year (I put it in deferment to pay the other lower balances first) but since the start of this year, I’ve already paid $3,000 and it’s only the 2nd week of February. I’m not sure I’ll be able to pay the entire loan off in the next year (I owe $26,000) but I’m shooting for 60%. So I’m doing all the side work that I can in order to get more income and just going nuts on that debt. So I don’t have as much time to read, or exercise as much as I’d like, or blog, because I’m working so much (around 54 hours a week right now), but that what I have to do. Not sure that it matters since I have no idea if anyone actually reads my blog posts. They are more for me anyway.