Monday, September 2, 2013

Finances and other lighter topics ;-)



Before
After!
As my countdown is getting and I am slowly getting most of the things done, it's been a lot more relaxing. Something a friend suggested on her blog was to try space bags in order to save space. I'll admit, they definitely cut down the space by about 50%, but I'm starting to get nervous that 2 bags, a carry-on suitcase with a backpack as my "purse" and one shipped box will cut it. I think I'm going to have to send another box, but hopefully after putting everything in the space bags, it'll work out! Here are some funny before and after pictures...I may just have too much to be honest.
Still doesn't seem like enough room!


I am making sure to have a good time as well with close friends and family. It has been so nice to have a lot of free time off between finishing up with AmeriCorps and heading out to Spain. It’s just enough time to get what I need to get done, done in a way that I feel completely satisfied, but not enough time to get bored or antsy. I will admit the money situation is always difficult. As an AmeriCorps member, I don’t think I will surprise anyone in saying I didn’t make much money. Only after tutoring Spanish part time did I manage to save up $500 throughout the year that has helped greatly this last month, but even without rent or anything like that, I’ve still had to constantly watch my spending. I am currently working for my mom, doing chores around the house, and helping my dad organize my grandpa’s huge coin collection, but it’s been rough. Since I will be getting FAFSA loans when I am in Spain, I know it’s temporary yet it still is hard to balance at times. Moreover, I am attempting to sell my beloved Elga, or my car. It’s a Red 2001 VW Beetle. She is manual or stick shift, has about 126,000 miles on her, but runs amazingly well with nothing wrong with her engine, and averages about 26 mpg from my estimates. I’m asking for $3,000 so please spread the word amongst family and friends. If anyone is interested in her, please feel free to contact me in the comments or on Facebook or really any way and I'll get you more pictures. I've only managed to put the black box over the license tag in Microsoft word so if anyone could tell me how to do that on the actual picture, I'd greatly appreciate it! I’d like to keep her for another week, but I am a realist and if someone wants her tomorrow, that’s fine, too! Hopefully with that, I’ll be able to make it to Spain with a comfortable start!


This is how I feel at times with my money!!
http://willrowhood.tumblr.com/post/59894866730 


Since I’ve had some questions about how I am going to afford my master’s program in Spain, I figured to explain that a bit for those of you who are interested. First, Universitat Jaume I is a Title IV university which means it accepts FAFSA loans just like any other program in the US. If you’d like to know whether or not an international university is a Title IV university, all you have to do is look for them on the FAFSA application online. If you can find them, it’s a Title IV university. In addition, and because I am this neurotic at times, I asked both the contact person for admissions at the university and the financial aid officer who both confirmed that I would receive FAFSA loans and that other Americans have received them throughout the years. Lastly, as the last safety net, the financial aid officer is required to write me a letter stating that I will receive loans to cover up to $2,200 per month (WAY MORE than I’ll need and more than double I made from AmeriCorps last year) during the time that I’ll be there in order to get my student visa. That covers how I’ll be able to initially afford it. Second, for the more long term of affording a program that is teaching about peace, not the most lucrative profession, the program is cheap! The tuition for one year is 2,520 € which if you times that by two and add about 435 € in fees, is about 5,475 € or $7,730 for the entire master’s program.  Here is when my AmeriCorps experience comes to save the day even though I made very little money initially. With most AmeriCorps programs, there is the Segal Educational Reward that is offered after you complete the program. For a full term program, it’s $5,550 and then for part time programs, it depends on how many hours you complete. I did a summer position that after completing 300 hours, I received $1,125 in an educational reward. In total, I am receiving $6,675. This can either be applied directly to the university to pay tuition OR it can be applied to FAFSA loans.  I am going for the latter because one) the Universitat Jaume I is not familiar with the AmeriCorps program so it would be a pain in my rear to do all of the required paperwork to just pay them directly and two) I can get more money in loans if I do loans and it’s very easy to apply the educational award to loans through the AmeriCorps website. After applying my education award, tuition will only cost me $1,055 depending on the exchange rate. I do plan on getting a small loan as a starter loan of about $10,000 just in case my tutoring English part time takes a while to make revenue, but even still, that would be the extent of my loans for a 2 year master’s program, something that is almost impossible to do in the US. Of course this is all hypothetical and there is a good chance that something will go wrong in that, but I’m confident that this program will be a good fit for what I want to do in the future, working in the public health field, but internationally focused, and a sound investment when it comes to getting a master’s degree. Lastly, considering most of you know how much I really enjoy studying, this for me will be a great experience to spend two years studying something that really interests me on the Mediterranean while hopefully increasing my odds of getting funding for a MPH/PhD in Public Health!


Dana, in her craziness, and me!
Phew, quite a lot to explain, but hopefully that’ll shed some light on the topic for those of you who are interested! Anyways, beyond all of that, the last week has been good fun! I was able to meet up with a friend of mine that I haven’t seen in more than five years which was just so surprising to me. It seems weird to think that it has been five years since I graduated High School, even weirder that it’s been a year since graduating college, but even still, it was as if five years hadn’t even went by.  Dana and I didn’t do much besides talk, eat sushi and watch a movie, but I had a great time hanging out with her and I hope another five years don’t go by until we see each other again! In addition, I had a great Labor Day weekend with my mom, dad, sister, her boyfriend and some of their friends along with FIVE dogs…We had a great time playing Left, Right, Center (a simple game with no strategy and all luck) which I won the double pot or $10! We also did a bon fire which was really fun along with some s’mores. Overall, a relaxing Labor Day weekend.
 

My dad!






Getting ready to play some games!







Indie, begging
Bon Fire!
Dana, my sister, wondering why I'm taking a picture!




My winnings from Left, Right, Center!

























It’s so nice to have time to really socialize with people I care about. Between family, my friends from West Bend, friends from Madison, and elsewhere, it’s been truly great. It seems that I’m always immersed in work or school and too busy to hang out which is truthfully no excuse. I’m making a conscious effort to balance this time around with school. Of course, coursework and good grades will be very important, but I am going to make sure that I take care of myself by exercising, sleeping properly, and de-stressing; socializing both with new friends and all of my old friends along with my family on a consistent basis; and leaving life open to love interests. That last one is a bit of a doozy and I’d like to keep that one more under wraps, but we’ll see what Spain has to offer :-)
 
That is all for today! And in case I don’t see you, good afternoon, good evening and good night!

Sunday, August 25, 2013

Adventure is out there! And here is to the beginning…



First blog post in what I hope will be many as I am preparing to live in another country for two years! I have always been a blog enthusiast, but never really got the hang of blogging myself so we will see how this goes. I’m posting in tumblr for those who have tumblr accounts under “Living the Expat Life” and in Blogspot at livingtheexpatlif3.blogspot.com. Since you are reading this, you probably have one of them, but in case you prefer the other, there’s the information. I am very excited to attend school in another country on a more permanent basis than a study abroad program and I am very excited for the program type since I feel studying Peace, Conflict and Development will be intellectually stimulating and rewarding! If you are interested in learning more, here is the program site at http://www.epd.uji.es/web/en/index.html I’m a little nervous still, but I feel it’ll be a great experience.

<<< I own a lot of orange apparel I realized.

Great adventures always begin with one aspect that no one likes to do; a ton of preparations. That is what the month of August has been for me. I’ve been excited to get ready to live in Spain for two years and I can’t wait to be able to be immersed in the culture again, but before that, I have a huge list of things to do. I have even bought a little so that I can keep the master list with all of my daily lists as well. Yes, it is that exciting.  I have been pretty consistent on my lists, only falling about a week behind, but I am hoping to be caught up by this weekend and I think I have gotten quite a few hurdles out of the way. What does this list entail, may you ask? Some examples would be…
 moleskin 

  • Figure out what is shipped, what is stored, what is sold and what is donated
  • Store keepsakes in labeled boxes in one closet space
  • Donate excess clothes to Goodwill
  • Sell…a lot such as furniture, bike, car, essentially any assets I have which is not much
  • Buy clothes that I need to complete my wardrobe…surprisingly this became a necessity because I realized I have always wanted certain things like a brown cardigan, but never got around to getting it
  • Prepare for part time job (for me tutoring English)
  • Prepare computer for the worst with back-up system and photos organized
  • And it goes on…


 



<<< Here is my work station with all of the essentials at my sister's house.







                                              Here is my visa >>>
 
 I have been having fun with most of these little adventures which makes them go by quicker, but some are just downright cantankerous. One example: getting my student visa. That is one of the first things I had to do when I decided to attend this graduate school in Spain and it took FOREVER to get all the required documents. First, I had to renew my passport. Why? Well, not because it was expired. No, it wasn’t going to expire for another 2 years, but because it was only valid for another FIVE months after I will graduate in 2015. What’s wrong with that? It needs to be valid for SIX months after I graduate in 2015 in order to get a visa. I did that in March. Then there was the paperwork which I started in April where I had to get apostilles on every sheet of official paperwork. An apostille is a stamp that needs to be issues by the Secretary of State of the state you received the paperwork in (so for me, Colorado and Wisconsin) or the office of Secretary of State of the US government, as in John Kerry.  An apostille is also known as bureaucracy at its best; there was a time I had to do a stamp on a stamp on a stamp with my medical document saying I was fit; first the MD signed it, than a notary verified the MDs credentials, and then the Secretary of State of Colorado verified that the notary was real. That was time consuming and expensive. Luckily all of my papers were perfectly in order, my 160 euros paid, and I was approved in a record breaking 3.5 weeks for a visa after using normal processing. It was August 12th by the time I got the visa so it still took 4+ months to get all the paperwork in line, hand in visa, get it approved AND pick it up in person. It shouldn’t have been a surprise since I already received a student visa before, but I was still nervous that I did something wrong with the paperwork. It didn’t seem so intensive when I did it my sophomore year of college, but at least it’s done. 

<<< My Grandpa Don as a child. He was a cute baby!
 
Beyond preparations, August has gone by rather quickly due to some unfortunate events. My grandfather, Don Rostowfske, passed away on August 9th, 2013, which was bittersweet. My  grandpa was struggling with health issues for quite some time so it wasn’t a surprise when he passed, but it’s still sad that he is no longer on earth. I’m happy to know that now he is at peace where he doesn’t have to suffer anymore and I’ll definitely miss him. Here is a link to his obituary which quite a charming picture of him when he was younger. http://host.madison.com/news/local/obituaries/rostowfske-donald-j/article_0f1b6cfe-73fb-5d97-b847-f19d3c07999e.html 



 Besides that sad news, it has been nice to spend extra time with my family and friends in Wisconsin. I have had 4 weeks already with my parents and less than 4 weeks before I leave! I am glad that I have this time because I know that once I leave, it’ll be 3 months before I’m back for Christmas, possibly 6-7 months for a summer vacation hopefully and then repeat for another year. It’ll be weird to not be home for family events like birthdays and weddings as often as I’d like, but I hope that I’ll get used to it soon!

My mom and I at the Wisconsin State Fair on August 1st >>>
 <<<A cream puff that was magnificent!


 That is all for today! And in case I don’t see you, good afternoon, good evening and good night!




>>>My faithful friend for when I'm doing things at my parent's house Macy Mae, or as my parents say Dougie the Destroyer because she is like Doug from Up except she destroys things when she's nervous.