Wednesday, April 16, 2014

One door closes..........

So the first part time job didn't work out, he never called back for a face to face interview, but I think that was because he didn't like my availability.  Oh well his loss because I'm a great employee, and I went there last night and his staff was so unorganized and a bit lazy too if you ask me.  On a better note I have a job interview this Saturday with another company....fingers crossed I get it.  I'm going to go in with my bubbly attitude, and win them over with my charm, knowledge, and my work history. 

If I get this it would be so wonderful, because I have been working the numbers again and honestly I think I can make it without the part time job, so with it I should really push the debt out of my life.  It will suck in the beginning, but I have to look at the big picture, and this is not for the rest of my life just for a year or so. 

It will also help with my weight loss, I work an office job and sit on my butt way too much, this position is in retail which will have me standing, lifting, walking around, and just moving.  I'm trying to look at the bright side, because lets face it with summer coming I really don't want to be working extra hours.  I want to be outside enjoying the sun, but you got to do what you got to do.  Debt free life here I come!!!!!!! Until next time!!!!!!

Thursday, April 10, 2014

2 Steps Back, 2 Steps Forward

So much going on, where to begin.  I guess the bad news is where I'll begin.  My mortgage company screwed up my escrow and we now owe a lot of money ugh.  Our mortgage for the next year is going up by almost $500.  I'm dealing with it, I already cried over it so now I'm moving forward.  Thankfully my husband makes descent money and will take the brunt of the bill.  So with bad I should look for the good in it.  I finally realized I need a part time job to relieve some more of the debt.  I think it will only be for a  year (I hope). I already had a phone interview and I am hoping the manager calls me back this afternoon to set up a face to face interview. 

I figure if I can bring home an extra $100 a week, I'll fly right through the numbers on the side.  My first focus will be that small student loan.  If I do get the job and start by the end of the month I expect to have the small student loan paid off by June 11th, our 3rd anniversary sounds like a good plan.  Then I can start putting extra aside to pay back my 401K loan once and for all.  I did make some progress, I paid off the tire/batteries.  It feels good to be headed in the right direction again.

This job will come at a good time I have so much coming up this year alone I have 4 baby showers, 3 bridal showers and 2 weddings, and one of the weddings is out of state so we will probably have to get a hotel we are still debating depending of if it is a day or night wedding. 

I've been toying with the idea of getting another job for a while, but with the escrow screw up it pushed me in the right direction.  I need to get away from these numbers by the end of the year I want to be in the 220 range.  It will be tough, but I like a challenge.  I'll be updating the side numbers in a few minutes to show a little improvement.  Til next time.

Friday, February 14, 2014

Gettting There

So I updated the numbers and its not to bad, I paid off $1,634.30 in 2 weeks that is mostly because the mortgage payment hit, but I'll take it where we can get it. I did decide to put the extra money towards the doctor bill, since I was able to pay it off in full,  now I can take that $40 a month and put it to the Tire/Battery, which should be done this month since I am getting a small bonus at work next week.  It will be close but if I can't pay it off this month I'm really hoping next month. I hate all these small little debts. Once that is paid off that will be an extra $20 a month to go to the smallest student loan.  I think I can do this I think I see this faint little light at the end of this journey.  I was able to accomplish sending the smallest loan an extra $100 and we are only half way through the month which feels pretty good.  I would love to get the loan under $700 by the end of the month, but with wanting to pay off the tire/battery it is going to be very close.

I keep looking at next year when I have things even more under control and a little more discretionary income to play with....all the things I want to do.  I was thinking for my husbands birthday surprise him with a long weekend getaway or since Valentines falls on a Saturday next year maybe get an (overpriced) hotel for the night.  We like to get away (if you couldn't tell).  But I first have to get this debt down. I kept saying that this was going to be my struggle year, and it's been tight, but not too bad.  I just have to learn to not over spend on anything, and I have been doing pretty good.  A month and a half in and I got this.

If I can get the Tire/Battery money paid back and my small student loan pay off, and my 401K paid back in full by the end of the year I will be on cloud nine.  Anything extra will be considered a bonus and anything less will be considered a fail, I can do this.  Now I'll go so I can stop rambling....Until next time...........

Thursday, January 30, 2014

I need some advice

I'm going to ask a question, if anyone is reading this and would like to throw their 2 cents I would appreciate it, but understand that I still make the final decision. I loved January because it was a 5 week pay month, so I get to get ahead on my bills.  I got paid today for the last time in January and I paid everything I had for January and it seems that I have an extra 200 dollars.  I have 3 options and spending it on myself is not one of them. 

1.) I can put it all to my little Student loan which is where I originally said I wanted to focus.  Mind you I have paid so much extra on this there is no longer a minimum payment and the interest rate is 3.75%, but it won't pay it off completely so I don't feel as I will get as much satisfaction from it.

2.) I can pay almost completely the Doctor bill I have I owe them 325.98 and I could give them almost $300 and then pay off the rest next month and snowball the 40 dollars a month I was going to give them to something else.  Mind you this is a doctor bill that I made an agreement with to pay $40 a month and has no interest at all.

3.) I can pay $250 to the tires/battery and only owe 130.  This is an emergency account my husband and I set up for things like this, we still have a descent amount of money in it, but I borrowed from it and I'm going to pay it back.  This has no interest, my husband said I can take a year if need be to pay it back, and we have a good amount in there so if another emergency comes up we won't struggle.  I am giving this $20 a month so I will still be stuck with it for awhile even if I give that the money.

I'm really considering option 1 or 2, and I think I am leaning towards option 2 only cause I would love to free up that money $40 which can be put towards my student loan or tire/battery. I think I already made my decision but I would love to hear other opinions on this. Anyone???? Until next time.......

Tuesday, January 28, 2014

Coming back....again

So I've come to the conclusion that I do really well with my debt when I blog.  I think this blog makes me hold myself accountable (since I don't think anyone else out there reads this).  I want to prove to myself that I'm not going to be the typical middle class citizen that has to live paycheck to paycheck.  I finally realized this year I'm broke, and while I do have enough income to pay the bills every month there is not much money left over after that. I want to start on the debt snowball again ( I may go a little our of order then what others say I should, but I have personal goals that I set along time ago.  So my first attack will be after Sallie 2 it seems small at under thousand dollars, but she has been around way to long I'd like to see that gone and then when I finally get that paid off I will decide if I will focus on the Tires/Battery or the 401K Payback. I wish paying off debt was really the easy, but it is slow and kinda painful. 

We have been in our house for over a year and while I love and wouldn't trade it for anything, sometimes I miss living in our little one bedroom apartment.  When we were leaving there I had the bill down to an absolute science and there were months where I could send my student loan over 1000 dollars like it was nothing, now I'm lucky if I can send them 10 dollars more than they ask for.  But you got to pick up somewhere, and I have determined that while 2014 is going to be a very tight year financially, this is my year to kick some butt.  I don't want to set yearly goals ( I have my personal goals, but none our finical) because I really don't know where I'll be at the end of the year and when I don't accomplish these goals I take it really hard.  I will do monthly goals, some financial some non. 

I think since I took the first step of writing this blog again I feel good, I also did a budget for next month and I feel really good about where I am, and I see myself coming out better in the end.  I decided I wanted to write my Feb goals now and since I have 3 days left of Jan I can have a 3 day start on a short month.

1.) Get on the scale and know my actual weight and lose 2 pounds
2.) Put all our tax paperwork together and make appointment with accountant
3.) Do not buy anymore books until I read 5 books I already have (I buy used books at the library way too much)
4.) Send EXTRA 100 dollars to Sallie 2
5.)  Clean closet
6.) Donate all bags of clothes from cleaning closet out and that have already been put in the garage to be donated
7.) Finish 1 book


Since I'm making this my year to kick butt financially I decided it is also my time to become more organized, on the surface I am very organized, but I tend to throw a lot of things in draws when I just want it out of sight.  I just want to organize my life and really be able to enjoy life and relax a little bit. I think that is all for now....until next time............

Tuesday, September 25, 2012

I've been BAD

I have no one to blame but myself.  I wanted so badly to get the new house looking like a home I went shopping, and boy did I spend.  I spent a little over $300 I am going to return $90 of it.  I feel so awful cause I know that $300 could of gone to my student loan.  I've decided I need to buy things in moderation so I don't go all out because I feel like I'm neglecting myself.  I'm going to focus on one room at a time only buy 1 thing at a time. There will be some months that I can buy one item every week cause they are inexpensive items and there will be other times where I won't buy anything in order to save a couple of weeks worth of money to buy a more expensive item. 

I suppose I shouldn't beat myself up too much, I think it really does happen to all of us, and I really have gotten this debt down an extreme amount. I was talking to my dad the other day and I mentioned that my student loan was right around $17,500 (he is the co-borrow, but he never goes online to check it) and he said to me that's all your loans together and when I told him yes he said he couldn't believe I got them down so much.  I felt proud and I can't wait to tell him they are paid in full.  I'm still hoping for it to be November 2014.  I did the calculation and in order to make that happen I would have to send them just about $701 every month.  It is do able but I know some months will be a little tighter then others.  I need to really get focused in order to make this happen I have a ton of expenses coming up that I need to put money aside for.  Some are a necessity and others may be more of a want, but they are important to me.

I think I finally figured out why I want to be debt free.  I've read a ton of financial blogs and most of them say in step 1 you need to figure out why you want to be debt free, so you know your working for a goal.  I never had an actual reason why I just knew I wanted to be.  Now I know I have 2 reasons the first is because I want to be able to save for retirement so me and my husband can enjoy it when the time comes. We are not sit at home and relax people we are movers and we want to enjoy everyday.  The second is kinda just like the first I want to live for today. I don't want to enjoy today and pay for it tomorrow.  I want to be able to do things and not worry about can I afford this or how long will this take me to pay off.  I want to have a nice security blanket to rest on.  I want to live everyday to the fullest.  I absolutely love my life cause of the family I have and I don't want to miss out on things cause of money.  I want to continue to enjoy things.  I want this debt gone so I can stop being a prisoner to my past. I know I will fall again, but as long as I keep getting up after every fall stronger then the time before I know I will get this debt gone.

I've come up with a date for me to be debt free June 2016, it's going to be tough but I think I can do it as long as I don't fall too much in the next 3 and a 1/2 years. My husband and I don't share money we split everything equally, we also pay our own loans and credit cards.  I also decided that once my debt is paid off I want to help my husband with his student loan (it's his only debt no car loan no credit cards no other debt).  I want to have us both debt free besides the mortgage by June 2017.  That's the first time I put a date out there for a total debt free kinda scary, but now that its out there and not just in my head I'm going to have to do this.  I got this.  I just need to hold myself accountable and make sure I plan for all things I know are coming up. Until next time.....

Monday, September 10, 2012

Security Deposits

So the good news about moving out of your apartment that you were in for 5 years, and moving to a house?  You get your security deposit back plus interest as long as you paid your rent on time every month and didn't destroy the apartment.  My apartment had me put a double security deposit down, and since I was originally living on my own when I moved in, it's all my money!!!!

So what did I do with the money you ask?  Was I good and put it towards debt? Was I bad and went on vacation?  I was good for the most part I put $1500 towards my student loan and I took the rest and left it in my account.  I had a death in the family last week and wasn't able to work extra hours on account of the wake and funeral, so my check will be a little short next week, so I put the rest towards knowing I would be short.  So I guess I was actually really good. With putting that money towards my lowest student loan it puts it just over $2600, and I know I can pay that off by the end of the year. It will be close, but I know I can do it.  Which means I will be so close to bringing this debt down to under $270,000.  I know it won't actually happen this year unless I win the lotto or something, but just knowing how close I am gets me so excited and it really encourages me.

I think September is going to be a good month.  I was actually able to relax this past weekend which has not been the case for a while now.  The only productive think I did this weekend was get a baby shower gift, go grocery shopping, and finally finished my Thank-You cards from the house warming party.

As for this week I'm going to pick no more then 2 things to do every night, so I can be productive, but not overwhelmed. Tonight is laundry (my husband already did his so mine will take no time at all) and I have to pick up pictures I ordered online and put them in the picture frames.  Here's to a nice and easy night and actually getting it done!!!! Until next time.....