Saturday, July 20, 2013

That Darn CPA Exam, Part Two

I gave myself a month to study for each exam. That's a month, while working full time and being a full time mother to G. (No A yet...) It was rough. I had to study every moment I possible could. My boyfriend at the time (A's bio dad) was not so understanding. He criticized me for not spending any time with him. Whatever. I was a mom on a mission. I studied during my commute, at lunch, and immediately when G fell asleep. I would stay up late, all the way until midnight, even though I had to wake up at five am for work.

I did not feel prepared on test day. I was scared. Even sacrificing all that I could, I walked out thinking there is no way I passed. I anxiously waited three weeks for the result. Even though I had no clue how effective my study methods were, I was working on the next test already. I didn't have any time to waste. Finally my score was online: 82. Anything over a 75 is PASSED. 74 and below is FAIL. I couldn't believe I had passed! I took FAR first because it's supposed to be the hardest one. I was done with one! Only three left!

I did the same routine for the next exam. PASSED! 86! Whoohoo! I still left the testing center feeling like I failed but I was on a roll. I could see myself keeping up this crazy pace and passing them all on the first try!

My plan got derailed by a missed period. Why hello A. Nice timing. I could no longer keep up my crazy pace. I gave up coffee which was really the only thing keeping me up most nights. I also had fatigue, a very common first semester symptom. I could no longer stay up late studying and often would fall asleep on my computer. I pushed back my test date. I couldn't get through the material as quick as before.

Even though this test was mostly on taxes, I received only a 77 on that one. I passed, but just barely. I scheduled the last exam the day before my NTS was about to expire. I couldn't push the date back any further. Thank goodness I passes. 75. The hardest part was over! (That night after I took my final test was when I broke up with A's bio dad. I'll explain more in another post.) I was one of the small group of people who passed all the tests on the first try! And I did it while working full time, pregnant, taking care of a three year old, and in only five months!

The next step was passing an ethics exam. I was supposed to be super easy. I even get the study materials when I pay for it and I have three chances to pass it. I put it off for months. When I took it the first time, I did so without studying. I failed. I need a 90% or higher to pass. I tried again after A was born. I studied for a few hours but I took the test when I was half asleep. No surprise, I failed again. I had to pass it on the third attempt. I didn't have the extra $175 to pay for the test again. This time I went through the whole program as I was supposed to. Finally, yesterday I took the test again.

I passed! I'm done with all the tests! I'm not a CPA yet but almost. I'm not quite sure what the next step is. My results were forwarded to my state board so I'm waiting to hear back from them. I think I have a few more forms to fill out and another fee to pay. But that's it! I took on one of the hardest professional certificates and achieved it! I'm so proud of myself! I'm sure C would be proud too. I can't wait to tell him! I told my mom. All she said was "it's about time." It was a mistake to tell her. She really doesn't care.

Friday, July 19, 2013

That Darn CPA Exam

Well, I'm another step closer to being a CPA. Yay! In case you don't know, CPA stands for certified public accountant. It's not that hard to become an accountant but it's very difficult to become a CPA. The CPA is one of the most difficult professional exams one can take. I've heard it's comparable to the bar exam. One has to have a bachelor's degree and X amount of accounting classes before even signing up for the exam. All states have their own rules for the minimum requirements. I live in one of the sates that has a 150 credit hour minimum. I was lucky enough to earn all those credits while getting my bachelor's but a lot of candidates achieve their master's before attempting this exam. (I'll explain how I got those credits in another post. I worked incredibly hard to get them and I want to celebrate my achievement a bit.)

Once you finally meet all the requirements, it's time to fill out the paperwork. The paperwork is annoying and time consuming. Then the states take their sweet time getting back to you on if they accepted your application or not. I had some trouble getting my credits accepted at first. They asked me to explain some credits on my transcript. I sent them a letter explaining what they were. They sent me a letter back saying it wasn't enough. I sent them a copy of my class details. They replied saying basically "what is this?" Finally, I got fed up and sent them an email saying what I've done and asking what more I need to do because I really had no clue what they wanted anymore. I guess that worked because the next email they sent me said they accepted my credits and I could start signing up for tests as soon as I receive a letter in the mail. A process that was supposed to take 6 - 8 weeks took me three months. Grr...

Besides all the tedious paperwork, there is all the fees that I had to pay when turning in each form. The tests are easily over $1,000 for one attempt. Being a CPA is expensive! I still have at least one more set of fees to pay and then I'll just have to pay an upkeep fee and fees for credit hours that are due every three years for the license renewal. Ugh!

The tests themselves are incredibly difficult! There are four tests one needs to take: FAR, AUD, REG, and BEC. All must be passed within an 18 month time period. These aren't like any tests I've taken in college. They are tricky and each test covers an enormous amount of material. The pass rate on each test is around 45%. (Each time you fail one, you have to pay a fee all over again, making the CPA even more expensive to attempt!) The percentage of people who pass all of them the first time is really low, maybe close to 10%.

Keep in mind, I was a single mom when I started these exams. That means you can assume I had NO SPARE MONEY for this crazy exam. I needed to save any way I could. Failure was not an option. I borrowed study materials from a friend who had just finished the exam, which saved me around $2,000. No joke! I even saved around $20 by paying for all four exams at once. I realized that was a mistake quite soon after I did that. When you pay for an exam or exams, you are mailed a Notice to Schedule (NTS) which has the exams you paid for on it. The NTS expires in six months. I had to attempt all four tests within a third of the time allowed! Big mistake. To make it worse, the exam isn't offered every month. The last month of each quarter is a break from testing. That knocked out another month from my already tight schedule!

To be continued...

Wednesday, July 17, 2013

The Best Friend

Here's the story about my former best friend:

I used to best friends with this girl from preschool through high school. We did everything together. I would tell her everything and she would do the same. It was a textbook childhood friendship. We never needed to work on it because we never had any major obstacles to face. Life was good.

Then came the senior year of high school. First it was awesome. We would rock out to Justin Timberlake's "Sexy Back" together. It was at its peak and he was both of our celebrity crush of course. This was the same time I met C. This best friend did not like C or any of his friends. She would tell me that they were a bad crowd. Now I saw where she was coming from. We all worked together in a grocery store but unlike us, C and his friends did not go to school. They had all dropped out by that point. They would stay out late and drink most nights of the week. This lifestyle was not for me but I was so infatuated with C that it really didn't matter.

I was working at the grocery store a lot even though I was in school. I spent a lot of time with C and his friends. I would even go hang out with them during school nights when they were drinking. However, I did not drink with them and I did not stay out that late. My grades did not suffer one bit from these activities.

(Side note: my grades during this time were actually the highest they had ever been. I always took challenging classes which meant I was an A/B student. I made a deal with my mom when I was 18. If I got straight A's for that first semester of my senior year, I would have no curfew the second semester. I was successful getting straight A's. After I fulfilled my end of this deal my mother changed the terms to me having no curfew on weekends only as long as I was back by a decent hour. This was yet another major problem I had with my parents.)

So to continue the story, I would hang out with the "bad kids" but I wasn't really acting like one. My behavior wasn't that wild as far as high school students act. But my best friend began to pull away from me. She said she did not like who I was becoming. She told me we could no longer be friends. I'll admit it. That hurt. So much for friends forever.

About two years after that she contacts me through Facebook. She says she had made a mistake cutting me out of her life before. She wanted another chance to be friends. I gave her that chance. She was actually the one who drove me to the hospital at 5:30 in the morning when I had G. C was asleep and didn't answer his phone. We were able to keep up our friendship for another year and a half.

We would always hang out with our two other friends, her boyfriend, and my brothers. It was fun for a while. Then I got into a nasty fight with one of my brothers. He not only said mean things to me, he insulted G saying he should never have been born. I hate my brothers. I told my friends about this fight immediately and told them that I never want to hang out with my brother again. My social life should be fun, not stressful. Not even a month later, they planned an event and invited my brothers. I, of course, refused to go. My friend got so mad at me. She yelled at me for "breaking up the group." That was that. She cut me out of her life once more.

Earlier this week, she contacted me on Facebook once more. She said that she missed our friendship. I couldn't do it. I can't let her back in my life once more. It hurts every time she abandons me. I certainly have enough going on right now. I'm a wreck from C being away. I feel guilty for not being nice to this former friend but I just can't take anymore. C was always there to make me feel better before when she left. He can't comfort me now.We aren't even friends and this guilt thing is making me feel so bad!  I can't win!

Tuesday, July 16, 2013

Train People


.

Working in a big city means parking is absurdly expensive. As a single mom newly married mom (still getting used to that!), I have much more important things to spend money on. I take the train instead. During tax season was the worst! I had to be on the train by 4 am if I wanted to put in enough hours to earn maternity leave and still be home in time to feed G dinner. I was always scared when I had to take that train. I'm a 110 lb female, a pretty easy target. Thankfully, nothing ever went that wrong! The train ride itself is never that bad; it's the people riding the train. At 4 am, the train is mostly filled with drunk people and sleeping homeless people. Once I saw two drunk people get into a fight on the train. They weren't able to actually hit each other, but they did fall down when the train stopped and started.

This time of year, the people on the train can be classified to the following categories:

1. Working people - wearing dressier clothes that will get ruined when they sit on the disgusting seats and carrying their coffee.

2. School kids - carrying huge backpacks and trying to study while the train is moving.

3. The homeless - these people can either be walking around asking for money or sleeping on the seat. My city has a huge problem with homeless people. There really is no way to help them all and no way to avoid them if you don't want to try.

4. People going to the airport - big giant suitcases! These people take up two seats for each person!

5. People going to sporting events - team uniforms and the smell of beer, yay... Good thing they come and go by season.

There are certainly other people too but about 90% of riders fall into these categories. If you are wondering, I'm one of the working people

Crying for Two Hours

Well, it's official: I cracked tonight. Everything caught up with me at once and it was overwhelming. One moment I'm looking for nail clippers to cut A's toe nails. The next thing I know I've been crying hysterically for the past two hours with her nails still not cut.

I have a history of depression. When I was fourteen, my parents moved right before I started high school. I didn't know anyone and I was too shy to make new friends. The classes were so much more challenging than junior high. My old friends had very limited time to see me during the week. My parents would restrict my time with my old friends on the weekends for some stupid reason or another. (This was before we all had cell phones so it's not like I could stay in contact with them all day long like I can now.) I could easily go days without talking to anyone. That's when the problems started.

I realize I could disappear and no one would notice; I could die and no one would care. I became depressed and tried to commit suicide more than five times in a two year span. I made sure not even my parents knew of my failed attempts. After those two years, I decided enough was enough. I sought help from a school counselor. I was allowed to transfer back to the high school I should've went to. I went to a psychologist and a psychiatrist. I was put on antidepressants. Then my parents told me the insurance wouldn't cover both types of care so I had to stop seeing the psychologist. I was embarrassed that I was the only one I knew who needed antidepressants to make it through the day so I stopped taking them. I wasn't doing anything to keep my depression at bay but I actually managed to feel fine most of the time. I didn't worry about it.

The problems started up once again when I got to college. Once more, I didn't know anyone and I was too shy to try to make friends. In that first semester I managed to make my suicide attempts into a double digit number. C even caught me on the last attempt. He begged me not to do that ever again. Honestly, I told him ok to his face but had no plans on changing. Then I found out I was pregnant with G.

Being pregnant changed everything! I was fine hurting myself but I would never let anyone hurt G even before I knew what an amazing kid he would turn out to be. I still dealt with my depression but no more suicide attempts.

Over the next few years, I had a few "flare-ups." My life was tough but it was usually something simple that triggered it. I was going to school full time, work part time, and stayed up all night with G almost every night. I had barely time for homework or studying but I needed to keep my GPA up so I could keep my scholarship. Anything less than a 3.5 meant I would have to drop out of school. I couldn't afford to stay in without my scholarship. My parents were constantly criticizing me during this time. Sure I kept up my grades, took care of G, and went to work but my room wasn't clean so therefore I was a miserable excuse for a human being who would be too lazy to ever make something of herself. Even after all this, do you know what set me off the most? Driving.

I don't know what it was about driving but it triggered the most depression flare-ups than anything else in my life. Whenever a car would cut me off or nearly hit me I would think to myself: "Wow, how did that driver know I was too worthless to be treated like a fellow human?" That's be it. Cue weeks of crying hysterically about all that was going on in my life. I was pathetic. Apparently, even now I'm no better.

When I got home today, my mom confronted me about needing to plan G's party. I'm already planning the party the way G wants it. We sent invites to all his cousins (aka C's family) to join us at Chuck E. Cheese. No, I also need to have a party for my mom's side of the family because they understandably won't be going to Chuck E. Cheese. My mom always plans these parties and they are always at her house. She expected me to invite everyone to her house? No, I can't do that. Only she can invite people to her house. Once again, I'm being treated like the laziest POS she has ever met and my son won't get any presents from her family because of me. Ugh! Not only do I not have time to plan a second party, I have no desire to do so. I never wanted to plan any parties. It is an unnecessary amount of work for something that isn't even worth it.

I was fine when she tried to emotionally blackmail me. I was fine when I thought about poor C stuck in the brig for trying to return home to his family. I was fine giving A a bath and washing the face paint off G. I was fine when I thought about the huge list of chores I wanted to accomplish tonight. (Only one task completed by the way.) I noticed A's toe nails needed to be cut so I looked for the baby clippers. When I couldn't find them, that's when I couldn't control my crying.

It's all getting to be too much! G is acting up! A won't sleep for more than three hours straight! C is being tortured in the brig and not allowed home! My parents yelling at me for not doing something even though I'm pushed to the breaking point already! And now I can't even take care of my children because I can't find the stupid clippers!!! Thankfully, G was asleep by that point so he didn't have to see me like that.

I need C to come home. I need to move out of this toxic environment. I can't do everything, but I can't keep everything bottled up inside me either.

Monday, July 15, 2013

Can't Escape

I found out why C hasn't texted me last week and it wasn't because he was at MCT; he's in military jail! He decided to try to quit the Marines. It's not easy to quit when he signed a four year contract as he found out. We managed very few texts last night so I don't quite have the whole story yet. I guess someone (a higher rank most likely) told him that his job-thing was needed in Afghanistan right away. He would've been deployed for a minimum of nine months right after he finished his MOS schooling. He wouldn't have seen any of his family for over a year. This was beyond acceptable for him. He wanted out.

I wish he had talked to me about this first. Maybe we could've found a better, quicker way to get him home. I don't know. This decision blindsided me. I know it's what I want but I don't want to be the reason he does this. I don't want him to regret it later and blame me in any way for it. I should've been less vocal about asking him to give it all up the moment he joined. This was his choice, not mine. I had no right to guilt him about not being there for me, G and A. Now he decides to listen to what I've been saying! And now it landed him in jail!

I worry if this was the right decision for him. I tried to research online what would happen when he does leave. I'm hoping most of it is fear tactics because honestly none of it is good. Possible outcomes include:

-making him finish his four year contract from within the jail

-giving him the worst jobs and ridiculing him until he leaves (AKA making his life hell)

-giving him a dishonorable discharge which would ruin his chances of ever getting a decent job for the rest of his life.

I don't know what he should do! I want him home with me. I want us to finally start our life together. I want him to be safe from all the horrors of deployment. I want to be able to talk to him and hold him whenever I want. But I don't want him to ever regret his decision. Joining the Marines was his dream. They must already have done something awful for his dream to change into his nightmare after only a few months. I can't even think about what they could've done to change my wonderful husband without bringing myself to tears. I hate the Marine Corps and I wish we could put this whole incident behind us for good.

He's in jail for refusing to train. I guess that's the tactic he's going to use to try to get out. He said he'll be lucky to be home before Christmas. I'm so worried about him. It's all I can think about. I don't even have anyone to talk about this with. My friends wouldn't understand. I never discuss my personal life with my family. I would feel bad making his family worry as much as I am, especially if he hasn't already told them. It certainly isn't my place to do that. So it's just me, trapped in my crazy head. I can't escape my worries any more than he can escape the Marine Corps.

Thursday, July 11, 2013

S'more Trouble

G has been very clingy and whiny since C went back to the Marines so I've been trying to do more fun activities with him when I get home from work each day. Usually we read his Thomas the Tank Engine stories or go to the library. He loves the library! Just like me, the kid is a natural bibliophile. Today we decided to make s'mores in the oven instead.

Alright I admit it: the idea wasn't mine. I was reading some other mommy blogs today when one of them mentioned this. It sounded cool and my parents and I talked to G before about making s'mores while camping so this seemed like a good idea. G loved it! He especially enjoyed eating the marshmallows and chocolate while we were supposed to be making them :P What a squirt. 

Unfortunately my cooking skills got in the way. Again. I'm a notoriously bad chef. I'll find a way to mess up anything I cook. This recipe wasn't even challenging. Put the marshmallows on the graham cracker and bake for 5 minutes at 400 degrees. Take them out and add the chocolate and the other graham cracker. Easy... Except I burnt the graham cracker. Oops! I still thought they were good though. This is definitely something I would try to do again! G and I both had fun!