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.  

Sunday, April 7, 2013

Here It Is

Things have been working out pretty well.  First, 1010 is rented out.  Good job!  There are little issues with the property, but they are getting fixed.  For instance, there's a hole under the sink, the heater grate needs to be replaced, and the gas meter has been pulled due to a leak.  Now, I have to find a certified plumber to fix it. 

3210 is empty, thank you for that.  There are a few things that need to be fixed and I'm going to get them fixed this week.  I have to go to court to get the rest of the money they owe from 3210.  That's a part of the job that I don't like. 

The issues have been eating out, that is where majority of the spending is done.  I'm trying to work on that.  I had a large amount of money to come in from working the morning lab and Saturday School.  Having a second job within the first one is good.  Making sure I do right by the money is the whole thing. 

There are doctors bills that I have and need to be paid so they don't end up on my credit report.  Checked my credit score and they are awful, the only choice I have is to go up.  Continue to pay off outstanding medical bills that are sitting and build credit.  I have automatic draft for all bills except the water.  Continue to save and put the money in the right place.  Looking to get a secured loan on 1,000.  What could I do with that money?  Pay off a large bill, I did get settlements for a couple of them.  Pay them off and not get anymore debt. 

The whole purpose of this blog is for me to get out of debt and it seems I do while for a moment and something happens.  I can't continue to sabatoge myself, that seems to be what I'm good at.  Falling for the set up.  The money that I'm spending on food could pay off a few bills.  That money put it toward the debt.  Instead of eating out, pay a bill. 

Questioning do I want to continue to live here?  A note was in my door, it was crazy.  Trying to live her until 40, let's see how that goes.   Can't continue to slight myself, I tend to be good at that.  I don't know what my future plans are and that's the problem I'm having getting out of school.  What do I do?  Financial Aid is exhausted.  Had to take out a personal loan for nothing because I haven't made any adequate gains.  Feel like giving up, but I've come to far.  What do I do with this degree?  I don't know.  What do I want to be when I grow up?  I don't know.  I've been teaching for 13 years, will I be a 50 year old business education teacher? 

Where do I go from here?  I love making candles and doing this real estate thing, they both bring me joy.  Have a d r period, in the front of my name has always been a dream of mine.  Will it be a dream deffered?  At this point, my mind is tired of thinking about school.  Once the decision is made there's no turning back. 

Decisions that need to be made
What are my future plans?  3 years, 5 years, 10 years from now
Do I want to continue to stay here?  For how long
What kind of career do I want? 
How will I acquire more properties?
What do I see myself doing?
How can I bring more happiness into my life?
Put the main thing first.
Buckle down and do what's right
Let the new me come out

This year has been filled with experiences and things I will never forget.  I have something that I am sitting on and I'm excited about it.  First, I don't want to let it go.  Do right by the money I have.  All bills are paid and life is getting better.  I'm learning about myself and realizing that everything is going to be alright.  Make sure I do what's right and just and most of all put the money in the right place and don't blow it. 

There's so much to say and I don't know where to start.  My personality is different and overall, I try to stay out of everybodies way if I can.  I have a spirit of expression.  I don't try it just comes out, but I want people to see me.  I said it, see me, here me, notice me, something.  I've been told my spirit is free.  I do want I want because that's what I want to do, not because this is what people are doing.  I'm my own self.  Right now, at a crossroads and don't know which way to go.  I feel like I'm maturing in so many respects, well have matured.  Things that many get upset about doesn't bother me.  Why because life goes on.  I learn, listen and move on. 

Not knowing what's going on or having a plan has caused me to be in school for this long.  No ultimate goal, well, that is to graduate, but no plan after graduation.  Is being a middle school business education teacher my end result?  No disrespect to those, but that seems so mandane, like there's more to lif than that.  Am I lazy?  Looking for a job is hard and waiting.  That another story within itself.  I guess I know the answer to my question, continue to look and apply to different jobs and that's the only way I will get another one.  Can't expect one to fall in my lap. 

Mid-life is serious especially when your learning and don't have a typical life.  As always thank you for reading. 

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