Listen up black people....let me rephrase that, low income black people. I've got devastating news for you, and it's no secret; low income blacks are on a totally different scale from low income whites!! It's true. This is something that credit companies and finance companies will never admit, but the more credit a black or minority person with low income and low credit score tries to obtain, the more likely they are to be denied. Big banks don't work well with poorer ethnicities as they do white people. As a matter of fact, they get away with a lot more than blacks and minorities do in general.
I recently got out of a Chapter 13 bankruptcy, and as you all know or may have heard, bankruptcy is not an easy thing to go through. You take a hit on your credit score once it's over and creditors don't make it very easy to start from scratch. Right now I am in the process of trying to refinance my vehicle in hopes of lowering my monthly payments so that I can have some extra dollars each month. After applying over the last few days, and getting denied left and right, I sort of just threw in the towel. Since I'm being honest, I've never had stellar credit. Messing around with student loans and other creditors that took to my credit report to tell the world that I owe them money has given my credit a severe beating, and at 35-years-old, I'm still paying for what seems like a never ending cycle. I know that some of you may not agree with me and you're probably reading this and saying, "just pay your damn bills." Well to my friends that are unaware of the economic struggles that many lower income families face, it's not always easy "just paying bills," especially bills that don't provide food and shelter.
Slave money is something that black people have been working for over the last few centuries. I call it slave money because it seems as though a lot of black people work for scraps. We get what's leftover while white people get priority over everything. Now this doesn't apply to mountain hillbillies or flat land rednecks, this is for the Ivy League, polo shirt wearing, keg drinking, Tesla driving white Americans. While I don't have a problem with them, I just know that they get a lot of opportunities that many black people and minorities don't. Better job offers, investments in stocks, IRAs and 401Ks, airline miles on their credit cards with cash back offers, low interest rates on car payments and mortgages, and creditors that are willing to lend to them or work with them. Now this is not to say that black people do not get these types of opportunity, but our chances are very slim.
My story is slightly different. I attended a 4 year college to get a degree in Journalism, and walked out with only 18 credits to go. Reason being, I ran out of financial aid. I was being forced to payback the money for the current term I was in, in addition to making future payments out of pocket to finish the program. A single mother with 3 kids and going through a divorce, it was all overwhelming. I didn't know what to do. I tried loans, scholarships, grants, anything I could get my hands on. Nothing worked. Banks won't talk to me, and unfortunately I don't come from a wealthy family that could put up the money for me to finish. Needless to say the least, my education has been put on hold for over 2 years as I still struggle to find the funds. Daily expenses get harder each day and my budget won't allow me to squeeze out anything extra. I'm struggling to refinance my car because I need it. I have too many errands to run between getting to work and getting my kids to their activities, it's impossible to do these types of things in the area I live in without a car.
Here's the thing, if blacks and other minorities were given the same types of opportunities as white America, then we would have a better chance at success. Many entitled white people get on their computers or other devices and leave comments on websites that discuss issues like minimum wage, and actually have the nerve to say things like, "get a job" or "go get an education." But that just goes to show their lack of education when it comes to the struggles of people outside of their communities. If we were all given the same opportunities, there wouldn't be much need for food stamps and medicaid, we wouldn't need section 8 or child care assistance (which is another overpriced bill in my opinion). Basically what I am trying to say is that it's not easy to make it on a low income and it makes it a lot harder to try. College is a rip-off in itself. Nothing wrong with going to college, but a degree does not guarantee common sense. As an elementary school instructional paraprofessional, I work with a lot of teachers who are certified, have master's and all kind of degrees, however, they lack an ounce of common sense. I did an article a few weeks ago about paying for college out of pocket by stripping versus taking out loans. When you get a chance, please look at that article on my Education and Travel page. That's just something to think about.
Many black people, myself included, have fallen victim to this credit society. It has been drilled into our heads to buy a car, buy a house, get credit cards, eat organic foods, blah blah blah. I just wish that I never fell victim to this propaganda. At the age of 35, I am no longer interested in keeping up with the rest of America. I wish I had gotten an old duster and just keep paying on that so that I could finish my schooling and have enough money to travel more. I refuse to continue to keep taking out loans and borrowing money on things with little value.
Bottom line, it's a lot harder for blacks to make it to the top. They don't want to us winning, by any means necessary. Even now I'm struggling to find ads willing to advertise on my site because of the content. But I refuse to silence myself for white America any longer. We have a president that logs into his Twitter account daily to say some of the most bigoted, ignorant, disrespectful things that he can think of to say. So why should I dumb down my content? It's never okay for blacks to bring cultural awareness to their community, but white people can blast their supremacy whenever and wherever they please. It's just to prove that we don't have the same opportunities in any aspect.
My goal here is to not come off as bitter or angry because I am far from that. I have excepted my situation and have found possible solutions that will help me to get to a slightly better place. I'm not complaining about the lifestyle I live now, it's not a complete fail, however, like many things in life, this is not what I had planned. I do acknowledge and admire those blacks that were able to rise to the top with little to no struggles. But that only represents a very small percentage of us. With social media on the rise, many black people have turned into media entrepreneurs by vlogging and blogging their daily lives. My goal is to continue my journey to Journalism and follow my dreams, with or without the help of corporate America. I have taken the initiative to start doing my own thing my way. I want this unfiltered blog to reach the web browsers of others so that we can tackle this issue together. I want people like me to know that you are not alone out here. I see people on Instagram flexing, showing off money and exotic cars. That is not the majority. That is not everyone's reality. And just know that everything is not what it seems. Work hard, strive and keep following your dreams. Don't fall victim to America's broken credit system just to make yourself feel successful because I promise, success exists outside of the corporate world and you still have an opportunity without all of the bells and whistles that America promises you. If we were all equal, Trayvon Martin, Mike Brown, Oscar Grant, Eric Garner, and anyone else I failed to mention would still be alive today, or their killers would be under the jail. If roles were reversed, the black man would get the needle for killing a white man. But that's just how broken America really is.
I've been investing more time into building my blog, my brand, and exercising patience (which is something I did not have when I was younger). I am looking for a lifestyle change while going through the process of becoming a minimalists, a naturalists, a black activists, a humanitarian, and anything that is positive, uplifting, and will bring about change in my life and the life of my children. My goal is to start living and stop paying so much into white America. Nothing against white people, but it is time to for white America to be honest about what is happening in the black community and realize that the system is set up for us to fail. Shout out to the ones that have made it and the ones that are progressing to get there. Never give up and never stop pushing. Do the best you can and let's make it happen.
Please follow the links and comment down below for insight. Read the New York Times articles in order to get a better understanding of what's going on in 2017 America; also check out my article To Twerk or Not to Twerk in my Education and Travel column. Be Blessed!