Wednesday, July 16, 2014

Almost a Year Later

There have been many things that have happened in my life.  To go back a few years ago, I found out I had thyroid cancer, cured, and this year, actually a few days ago I had a little boy.  So happy about that.  How does this deal with finances you may ask.  Well, I had to pay for the delivery, not the entire amount, but my co-pay which was close to 2,000 up front.  While in the hospital bed, this matter had to be satisfied.

The summer months
In my opinion, the summer months tend to be the hardest for me, why?  I don't know.  A lot of mismanagement of money.  I got Liam fixed that was 1,200, the check bounced.  Didn't do it on purpose.  The house on Oneal Street, put it on HAP, that was a great decision, but the deposit soon went.  Had to go into money I had saved to pay for the total cost of repairs.

Right now, I am overdrawn in my account close to 500, so that money will be gone when I get paid.  It's one thing after another it always seems.  On top of bills, I have to get my tags.  Last year, my mom get my tags for me.  This has to be done.  Another thing, I have to give my mom the money back for the delivery of the baby.  Not to mention, I am still in school, yes, I am!  Two terms behind to total 5000.  It seems I can't win for losing.  Don't know what I do wrong.  It's not like I just spend unnecessarily.

On another note, Liam still needs more work.  Don't think I want to drive Marybelle because that deals with switching gears.  I will not be able to drive for another 5 weeks.   My credit score will not go above 600 for some reason.

I had the most awesome baby shower and didn't have to buy anything except a crib and 2 dressers.  I got everything and that is a huge blessings.  Also, one of my dear friends has a little boy.  She gave me a car seat.  The other day she came with several bags of clothes.  That is money saved.  Will not have to buy him anything for a while.  Maybe not until it gets cold.  So excited and thankful for all of the blessings.  I also got several gift cards.  Since I have exhausted all of my funds, did I mention I had to use the money from the baby shower to help with the house on Oneal.  Another thing, I was able to get a Navy Federal account, the money I had there is gone too.  Having the gift cards has really come in handy.  For that I'm thankful.

It's not that Bad
When it seems things are bad, I have to take a step back and count my blessings.  Life moves forward and in the bed, there's always something good.

Future Plans
Make sure I'm the best mom I can be for this baby.  Looking into getting another job, something online.  Also, I stay in the hood and my neighbors are super nosy, that has nothing to do with it, but I am moving my year of 40.  That will be next year, so within the year of 2015-16, I will move from my home.  I know what HAP is looking for and that is the route I plan on taking.  Previously, I wanted to have my own home built by 40, but now I want to move into a 4 bedroom, 2+ bathroom, 2 car garage, and a fireplace.  This house needs to be in a better neighborhood.  In order to do that save money for that and for the baby.  Also, work on my credit score.

It's almost a year since I have written here and I remember that I loved doing this.  Work with me, for I'm a work in progress.  Life continues to move and I am not doing the same things, but life continues to move forward regardless.  Not going to make any promises, but I will continue to use this to see the changes that have been made.  Another thing Marybelle is 17 months before she'll be paid off.  On that note, that will save 400 a month.  I tried to refinance my home and was unable to due to being late at the end of last year.  That sucks.  I can try again in September.  One thing after another.  My car note and house come close to 1000 a month, that really needs to change and quick.  Once Marybelle is paid off that money can go to something else.

Work with me I'm still learning.  Mind you, there's a baby in the mix now.  Save money for his future, plus, money in case of emergencies.  My tax refund goes to previous debt, but that money is gone now.  What I never do is pay house note or car not.  Thinking next year, I'll pay 2 to 3 months of car note and continue to pay on it monthly.  That'll help me pay Marybelle off sooner.  Medical bills seem to be an issue too.  Tired of getting bills, it just seems that there's never enough money and time to get things done.

I'll be just fine.  I'm learning and that's all I can do.  Thank you for reading, will try not to be done so long!

Monday, September 16, 2013

Bumps in the Road

As long as you live, there will be bumps in the road.  Many times it is done because you aren't living right.  Other times, to make you aware of the changes that need to be made.  In my world, patience has been working on me for some time now.  I said it a while ago, that there is a young lady that is trying to get out.  She is her, but things are not as they should be.  Not for real.

As I stated before, I get close and something tends to happen.  I guess that is the thing we call life.  So there has to be major adjustments made.  Something has happened that has made me rethink things.  First, I need to find another place to stay.  That is one of the steps and second, it needs to be cheaper than what I pay now.

As you probably remember, my credit has taken a downside and have been working toward making it better.  In my mind there is no clarity.  There is chaos in most of my thoughts.  Nothing is clear and it seems I can't seem to focus on anything.

To be honest, the devil has made me feel some kind of way.  That is because I am probably on the verge of a major break thorough.  One thing is for sure, I am thankful because out of bad does come good.  This has taught me that I need to be more secure and even though I am from that area, it is time for me to move on.

Today, I will look at other options on how I can get things better and move toward being this better person.  Yes, it did make me sad, but things could have gone in a different direction.  I am better and things will be better.

My situation is not that bad, but it is mine!  No one can take that away from me.

behind one month on mortgage due to paying for Walden
Sallie Mae behind
Walden owe can't get back in school until I pay for previous term
Liam hose fixed and flat tire

Tired of always being on the losing end.  When will I finally get it together?

Thursday, August 15, 2013

I'm Only Human

It seems that things always look good and life happens.  I can't seem to win for losing.  I'm overdrawn again in my account.  There's money in other accounts, but I can't touch that cash.  There are several financial issues that I am having right now.  Overall, I have a roof over my head and I have my health. Regardless, my finances are not like I they should be.

Every time I get ahead, I seem to mess something up.  I have cut back, no cable, no eating out, no this, no that.  I can't seem to get it right!

I'm almost at the end of my educational journey and here it goes again.  Exhausted all of my financial aid.  Took out a personal student loan.  Didn't realize that the rules didn't apply to loans being deferred if still in school.  Due to this, I am behind and my mother co-signed for me and this has lowered my credit score and hers too.  Constant phone calls, emails, it's bothersome!  I paid for school and didn't pay mortgage.  Now, I'm behind on everything.  
 When I get paid, I'm already overdrawn in that account.  So very sad!  The more I try, it seems the further I fall behind.  The story of my life it seems!  
 September's Check
mortgage, car note, t-mobile, Walden University, travel for 2 nights, tags, tickets

Take every day one at a time and do what I can with what I have.  Whenever I try to save, something always seems to happen.

Another thing, I have no motivation to get the things done that I need to.  So very sad, the more I try, the more things tend to happen.  Complaining, no I'm not, venting is the correct term to use.

All I want is to have money for the things that I want to do.  I want to be able to have money for my bills and anything extra that I want or need.  Really all of my needs are met and I am happy, don't get me wrong!  Tired of falling short and not having the things that I need, that would be called a struggle.  I feel I'm too old to be having these issues.   No, I don't have children and it may be a blessing that I don't because I can't seem to get it together.

Future Plans
Save enough money to buy another house
Get my house together
Sell candles
Be motivated to get things done
Remove carpet replace with tile or wood, cheaper would be the tile

Stop Complaining 
 Life is good, I have my health
Continue to pay off debt
Get caught up with bills
work on getting the house straight
put up a few dollars monthly and don't pull from it

Learn as I go and work things out.  It will get better!  Continue to do what I can with what I have! 

Saturday, June 29, 2013

It Gets Worse Before It Gets Better

Yes, I have been spending money.  No, it's been on need things.  Not all of it, but there are things I have gotten done.  For instance, I got the beams in the front on the house replaced.  That was really needed.  I haven't been cooking haven't felt like it.  There's something going on, and I don't know what it is.  I am not comfortable in my house and looking forward to being just that comfortable. 

My credit score has dropped lower than it what.  I do believe that it will be a quick fix.  Last year, I took out a personal loan to pay for school being that I have exhausted all chances of financial aid.  I am currently still in school and this should (I hope be deferred).  Once that is handled the score will go back up. 

There are several debts that have been paid off.  Now that there is no financial aid for me, I have to pay for school on my own.  It's really not that bad, but $2,000 every 4 months is alright.  At the same time pay off debt as well as eliminate it.  We will see how this cookie is going to crumble. 

Walden $2,500 per term June-September
mortgage $650
Roku (Netflix and Hulu Plus) $ 21.00
TMobile $150
Charter $65
$650 on credit report
medical $1064

It seems that the more you cut back, the more comes your way.  I have no more cable, disconnected several things that I didn't need.  I've been selling things are Craigslist and using that money to pay off a debt.  I even bought a piggy bank and that change goes toward debt.  I have said it before and will continue to as long as I am not financially stable.  As long as I owe, the money I make isn't mine.  Of course, I must sustain myself, but the excessive spending has to stop somewhere.  In the meantime, continue to grow in comfort in my home. 

Did I mention:
Hose on Liam, heavy noise
Marybelle  new tires

It's always something.  That's what one would call living!  There are still several things that could be sold and I will continue to do that.  I did sell a box spring and mattress today.  So things are working themselves out. 

I also thought that I have been teaching for 14 years coming up and it's time that I decide what the next few years are going to bring. 

Friday, May 3, 2013

I can only Go Up

My credit scores range from 506-561.  I am working on paying off all the things that I can.  For instance, there are 4 outstanding accounts that need to be paid.  I have a thought, I have money that I don't want to spend, but let build, borrow off of that money and pay it off.  Continue to save and put the money where it is most needed.  

There has been some excessive spending here and there, but if I continue to cook, that will help me save some cash.  I purchased a ledger, this should help me keep up with all of my finances.  I can make this work.  

Order for taking care of these bills, I sent in $200 today, the final payment will be mailed by the end of this month.  The total cost is $464.

Directv $464
ADT    $1064
Medical $900
Medical $574

Pay $200 everything month until they are all paid off.  I did pay for my braces, no more payments on that.  I paid for 2 months of storage.  Not paying that bill after the end of this month.  I have to do right by my finances.  Plus, the property management is working out.  The place has been rented out.  All extra monies, put in a good place.  I did sign up to do a outside yard sell.  This will give me a chance to sell the candles, but the weather really looks bad.  

I must not do wrong by the money, I keep saying that.  I don't want to end up with nothing to show for what I had.  I know I waste much, but I can't continue to do that.  Overall, I feel good about where I am going and what is going on.  

Things I've gotten rid of
Directv               140 a month
Caller Tunes
Braces paid in full  100 a month  

Things I need to get rid of
Wireless card 

Anyway that I can cut corners I will try, the only reason I haven't gotten rid of the home line is that it's connected to my security system.  

Plus, I am going to take some time off from school and Sallie Mae has been calling and calling.  Majority of my debt is student loans.  When looking at my credit report, I really don't have bad debt.  I do have a credit card with a $300 limit.  Paying off the above debts would help my score much.  My goal is to have at least a 650 credit score by the end of the year.  I do believe that can be done if I keep putting money where it should be.  As long as I owe, the money I make is not mine.  In my mind, when I get ready to spend put that money toward a debt.  

Paying off debt is very important to me and it may get obsessive.  Have to have something to worry over.  

Bills that I pay

The money that is left over should go to debt.  Did I mention I am going on a trip this summer.  I have to get this paid for soon.  

I haven't been the best financial planner, I know, but I can and will handle this issue.  

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