I just wanted to post about my experiences with Financial Peace University

I took the course in 2014. At the time, I didn’t have much debt, just under $100 on a credit card, and my mortgage. I was more curious to just learn the principles of good personal finance, and I had been listening to the radio show for a while, so when a church I had been attending as a visitor offered the course, I jumped in.

I paid off the credit card pretty easily, and quickly. I still had a mortgage, and I was working in a pretty low-paying job – earning just over $11 per hour.

About a year later, in February of 2011, I was laid off from my job. I had worked there for over 10 years, and I really didn’t know what else to do with myself. I had a BA in English, an MA in Spanish, one year of teaching experience (which had taught me I wasn’t cut out to be a teacher), and I had worked in purchasing for this company since my early 30s.

I started looking around for a job, but of course the market was tight. I applied for customer service jobs that paid around $9 or $10 per hour. It was pretty depressing.

My aunt passed away about a month after I was laid off from work.

My father (her brother) was her only heir. A penny-pinching school teacher herself, she had saved quite a bit of money, and had been retired for many years, living on a fairly comfortable teacher’s pension.

After my father sold her house, and settled the rest of her affairs, he decided to split some of the savings she had left between me and my 3 brothers. My part was just enough to pay off what remained of my mortgage.

So, as of April 2011, I have been completely debt-free, including the mortgage.

The only area of my life I still struggle with is employment and income. In Dave’s words I “need to get my income up.”

I started volunteering at a couple of school libraries in the autumn of 2015. I got my teaching certificate reissued, and signed up to be a substitute teacher.

I realized I still am not really cut out for being a classroom teacher. However, I really enjoyed volunteering in a library.

I applied for a part time job with the local public library, and got it. I work in a small branch of the library, in a neighborhood that is largely Spanish-speaking. My Spanish is improving, and I enjoy the library and the people I work with.

I started a graduate program in library science last summer (2016). I expect to finish in August of 2013. I have been taking a full time load of classes each semester, so I can finish quickly.

I still make less than $11 per hour, and money is extremely tight, but not having a mortgage makes all the difference. If I still had a mortgage, I would not have been able to change careers like this. I would have had to take another low paying job in a call center or something I don’t really enjoy.

I reviewed Lesson 11 from FPU recently. My Disc analysis shows I’m a high SC. I think Dan Miller, from 48Days (dot) com is also a high SC. I purchased his personality profile a few of years ago, and his analysis also shows I am high SC, and specifically I’m a “Peacemaker.”

There is a list of suggested career matches in the report. Library science matches both the S and the C categories, so I think I’m on the right track.

My biggest concern is the lack of entry level professional librarian job openings right now. Many libraries are still reeling from budget cuts (school, public and academic libraries).

I wonder if there are some other ways I can increase my income, while I wait for a position that pays a decent professional salary?

I looked at Jim Cockrum’s website (I don’t know if you’ve heard of him), and he has an eCourse on selling through Amazon.com, using Fulfillment By Amazon.

Is this something that sounds doable or legit? Has anyone on the group tried it?