The other day you may have seen a particular tweet of mine. If not, then here is the tweet in question. Today I will be addressing said tweet and informing you all of exactly what’s going on. Ultimately, based on your responses, Jon Spencer Reviews may cease to be something I personally involve myself in. However, there is still a chance that I don’t just walk away from this so please be sure to read this in full.
Let’s start with what the tweet was actually about. I just refer to “bad news” which is really vague. I was specifically referring to the HUGE debt I incurred unknowingly. I have also missed payments on this debt I did not know about and my monthly payment amounts required exceed $1,000 per month. I simply can’t afford that. To make matters worse, my mother sprung this news on me completely out of the blue when I had company over and pretty much went into a blind panic. The loan people didn’t contact me at all, despite their claims to contact me since 2017.
Instead, they sent my mom exactly two emails. One advertising more loans to me for some reason and the other saying I owe a lot of money while additionally having late payments. At first I really thought this was a scam because I had thought I paid off my student loans. Turns out, I had another loan but nobody had bothered to tell me about it.
As it stands, I am $10,000’s in debt and it is only getting worse.
You see, I have an annuity from when my father died that has enough money to pay off all my debts and even provide a living wage to me for a few years. Sounds too good to be true right? Well it kind of is. I have limits on what I can draw and when. Unfortunately, I have the funds to pay off the debt but am not allowed to access them. I used my one-time graduation pull to pay off, what I thought, was all my debt already. So in that sense, I’m out of luck.
This whole problem is the result of a lack of communication from my government, my mother, and how silly my annuity is set up (it’s really more like a trust fund). Largely, I had no real control over this mess. Even now, I can only do so much.
Now I did call the loan people and think that I worked out a semi-solution where I won’t have the penalty for not paying anymore. They also said they would try and adjust my monthly payment amounts. However, I won’t know for certain about this until sometime next week (which is just too long to put off this update). If that happens, then it should become more manageable but I really don’t know.
So here’s the rest of the deal. I’m making $58 bucks, if I’m lucky, a month. That’s it. Money has now become my number one concern. If I’m not making money with something, I need to stop doing it. I can’t waste any time because (right now at least) the problem is looking really bad for me.
Some of you may know that I have a job developer and receive government assistance with finding a job as well. I was maybe going to get a job but seeing as I have yet to hear back about that, it is safe to say I didn’t get it. They needed to fill the position ASAP and it has already been nearly 5 days since I had my surprise interview. In all honesty though, that route has become an unrealistic option for me. I basically have to get a job in my home town because I can’t afford to live on my own AND pay off this debt.
As an alternative, I am trying to get disability-anything but that process is long and I’m not likely to be approved. I’m not missing limbs, in a wheelchair, or incapable of reading/writing so my odds are highly stacked against. I look “normal” and that’s the kind of person who doesn’t usually get government aid for disability in the US. Sucks, but that’s the truth.
How does the site fit into this all exactly?
As I mentioned before, I cannot afford to waste any time. I need money, and I need it now. Additionally, I need it consistently. The site just doesn’t provide me money. I have some Patreon supporters, and I really appreciate you guys, but it just isn’t enough. Unless the community has a solution or is willing to start paying me a living wage for my writing, and I really don’t think I’m good enough (I would have “made it” so-to-speak in writing if I were by now), then here’s what’s going to have to happen.
I’m going to have to stop participating in this site. All of my social media and the site itself would remain activated but I would personally be stepping away. Here’s what wouldn’t change. Jacob would likely still upload and I would update the menus as needed, Anime ABC’s current round would at least be finished out, I would still check in and respond to comments/emails/etc… every once in awhile. That’s it.
This would be permanent unless I found a job and was making enough money for me to be able to have free-time again. I’m cutting everything, not just this, because I can’t just idle and have the problem get worse. No more dance, weekly D&D, nothing. I have to work as much as possible, which I know isn’t healthy, but that is how bad the situation is.
With that I’m sorry to have worried you all, and I really don’t want to just up and drop everything, but that’s what it has come to.
EDIT: As suggested, I created a Ko-fi thing if you would like to help me out any. Please do not feel obligated to do so though.