Sunday, June 25, 2017

Things are Getting Better

Today, I opened up an account with Ally Online Banking and I'm really looking forward to building money with this account.  It will not be easy to withdraw money, monthly, I will deposit $250 to build it so I can do some awesome with that money.

There are always so many things going on in my life that I tend to be a little scattered.  Hence, why I may not have achieved financial freedom.  Go figure.

Functioning vehicle
Trees removed from my backyard
Back of house finished
Fence fixed
Fascia board replaced entire house

Banking accounts
Navy Federal
Ally: deposit $250 or more monthly

There is really no true focus in my life.  There has been something going on where I can not focus.  It's really sad.  Or is it that I have so many things that I want to get accomplished that it's allowing me to be all over the place.

Goal for the rest of the month
Stop wasting money
Pay off Navient $1017
Cook and stop wasting food

Navient:  $1017 pay off the end of the month
Navient charged off :  $11,000 and $12,000 200 monthly
Federal Loan Servicing $3125  100 monthly
Medical:  $5683 25 monthly
Allied (Walden):  $6447 25 montly

I've ordered some candle wax to make candles for Betty's Only to get that back up and running.  That will be a way to make a little more cash.  Plus, it's fun.  I truly have no organization about my life, that's sad, but I am who I am, and I'm going to be who I be.

Using Digit and Ally will allow me to do the things that I need to do in order to have financial freedom.  This has been one of the hardest things I've ever done, but determination is the key to this all.  I can do it.  I know I can.  I checked my retirement account and it's looking pretty good.  Along side of my 403b, we will be alright.  Adding my Vanguard account and purchasing a property here and there, things are looking better.

Things to do
Continue to make money work for me, putting all extra cash toward debts and saving.  It can be done at the same time.
Get rid of things that don't serve me anymore, regardless of what it may be.
Believe in myself
Never give up
Focus on the good things in my life
Give thanks constantly
Clean and purify my space, surroundings, and mind
get the backyard and house like it should be.

I got this and it's alright!  Everything is alright, trust that!  Make the subtle changes and continue to believe in myself.

Tuesday, June 13, 2017

Another One Bites the Dust

Thank you for allowing me to focus on what's important, paying off this debt that I have accumulated due to student loans.  I've had this blog for a really long time and there have been years that I posted once or twice or maybe not at all.  Looking over the blog itself, there have been substiantial changes, but not to the point where I have eliminated most or even half of the debt.  Truly sad, so really is financial success mine?

That's a great question to ask myself.  All I must do is continue to pay off these student loans and do right by my life.  So with that being said I paid off another Navient loan.  I'm really excited to have done so.  My focus is different, is it because I'm older, have this little boy, realized I've made many financial mistakes and the only way that my finances and or credit score are going to improve is put the money where it needs to go?  On these debts.

Navient  $1017 paid off by October 2017
Federal Loan  $3125  paid off by October 2018 or sooner
Allied Servicing  $6447  not sure when this will be paid off

There are others, but these are the ones that are the least.

Payment arrangements, $200 a month for 4 years to equal $10,000.  They have a 10% interest rate, but since they are working with me, this isn't a problem.  These have added penalties and fees which they are willing to wave.
Navient $11,000
Navient $12,000

I don't remember if I stated that I refinanced my home to a 15 year mortgage and the payment only went up about $50.  Very glad of this.  Probably will refinance again to a 10 year mortgage, but that will be a few years down the line.

Making better financial decisions has been hard, but any money that I have been getting extra I've been putting toward the debt.  This has helped substantially.

My ultimate goal is to move to what I want.  I did things a little backward, but it's time to do something different.  By the time I retire, this little home will be paid for that is a great thing to look forward to.

I must make sure that I continue this momentum and pay these things off.  To date two debts are clear and free, now three more.  Yes, there are more, but it makes it better looking at the smaller ones first.

eating out

This is a major problem.  Purchasing quick food while we are out.  The plus is it's quick, the negative is it's not healthy.  Better choices.

This blog should be used as accountability, but I don't do that.  Thank you for reading.  This journey has been a hard one and it's not over.  There is so much that will be achieved.  Before I know it, these above mentioned debts will be a thing of the past.

Ultimately, I must believe in myself and do right by my money, it's mine to do with it what I will.  

Saturday, June 10, 2017

It's Been a Long Time Coming

This feels so abandoned.  Like always, haven't been here in a really long time.  Overlooked previous posts and boy, I talked a great game and haven't done anything to make any situation better.  Now that's what one would call sad.  There have been many positive things that have happened over the year.  For instance, started seriously paying off debt.  I mean seriously, taking it slow, but getting it done.

Let's see:
Paying off students loans
Started reading Mr. Money Mustache
Opened a Vanguard account
Purchased two IRAs
Refinanced to 15 year mortgage
Got increase on credit

Navient    380
Navient    1057
Fed Loan  3085
Allied Ser 6372 (This has to be paid off before I can re-enroll to complete Phd)
Navient    11,000 charged off
Navient    12,000 charged off

At this point, I feel somewhat obsessive about paying off these debts.  It's been too long for me to be saying financial freedom is mine and I haven't do anything to be financially free.  In other words, financial freedom hasn't been mine because I haven't paid off anything that I should have a long time ago.

With that being said, the 2 Navient loans will be paid off by the end of the year.  The Fed Loan will be paid off by March 2018.  The main thing is having most of the debt free and clear by December 2018.  The time has come for me to move, while us to move.  Better place, better environment for the both of us.  It's funny how we tend to live our lives.  For instance, I've had the cars I've wanted, but not the house I've wanted.

Things are looking great, just a matter of doing right by the money I receive, no more wasting it.  Do better is what I keep telling myself, do better.  Retirement is about a decade away.  It's time to do what's right.  It just dawned on me that I'll only have a few more years to pay on my house once I retire.  I should be able to put more on the house or refinance to a 10 year mortgage at some point.  In the meantime, credit scores need to be improved.  I've been working on those for years and nothing.  They'll go up, but drop in a matter of a month.  I'm going to keep working on these things and know that financial success is mine.  :)

Wednesday, June 29, 2016

It's the Middle of the Year

Spending, spending, spending....that's what I've been doing this summer.  At the same time, I've been getting things done.

Candle room
carpet taking up
floor done

carpet taken up
floor done

Liam has been put in the shop.  He will not be out until he is fixed.  This will save getting another vehicle.  Plus, I got some flowers for the front yard and they have added appeal to the yard.  There are still things that need to be done, but I'm glad I decided to get over whatever it is and get these things done.

Getting things done feels really good.  Being in the middle of my life and having this baby has really made things different.  Putting money to good use is always worth it.

What needs to be done
refinance home
pay off 1532
pay off 3295
put up 1000 every month
pay for his school for July

Entering a new stage of my life and I'm looking forward to it.  Every day is new and I haven't been living it like that.  Now is different.  I have over 175,000 worth of student loan debt and it angers me.  All I can do is work to make my life better.  Take every day one at a time.

Monday, June 20, 2016

All I Can Do is Live

I had to realize that I have not been in a good place for a really long time.  Chaos all around.  In my mind, home, car, job, life, social interactions, chaos.  Stepping back understanding the problem and working towards making it better. 

The house looked as if it had thrown up.  Things everywhere, clothes, things, all over the place, no order, none.  I started in the back of the house and thinned out.  Got rid of clothes, shoes, papers, things.  Moved things around.  I also started to decorate.  I have been in the house for a long time and I haven't enjoyed it.  Haven't made it comfortable, home.  I know these things don't matter, but they add warmth to the space.  You can actually walk throughout the house and nothing is on the floor.  Everything has a place.  More or less.  It feels good to finally have a clean home. 

In the meantime, during the decorating, I have been redoing each room.  My room is done.  Now the guest bedroom.  It had to be Kilz.  That was done today.  Tomorrow, it will be painted.  Looking forward to it.  Once that is done, the carpet will be removed and the hardwood sanded and varnished.  There will be a full sized bedroom set put in there. 

Next, his room will be done just like the guest bedroom.  Finally, the carpet will be taken up in the hallway and the hardwood done too.  Making the space comfortable while I'm here and ready for the next tenant after I leave. 

The front of the house is going to take the most work.  The floor has shifted in the kitchen.  There needs to be a new counter top and cabinets.  The floor needs to be done too.  I didn't mention a backsplash.  Something pretty.  The front room carpet needs to be taken up and floor under needs to be fixed.  There's a hump in it.  Not too sure about what type of flooring I would like for that room.  Will have to think about that. 

In the front yard, I planted a flower garden and it is really pretty.  They are perennials so they will come back every year.  Slowly, but surely I am appreciating the things that I have done in my home.  It is mine and it might as well be what I want. 

As far as my debt, I haven't done anything with it.  It is still there.  I haven't checked CreditKarma.  Nothing. 
Student loans
Medical bills

I have been spending money on nothing really, but not on what is important.  Not at all.  What is the problem?  I just don't feel like doing what it takes to get out of this financial turmoil that I have gotten myself into. 

What I told myself is that I would look at CreditKarma and see where I stand.
Contact all debtors and set up payment arrangements
Continue to save $1000 a month

At the end of the year, I wanted to purchase a new car with the money saved.  Purchase land, pay off debt, put it toward my mortgage.  I really don't know what to do. 

What I can do is put $400 toward my smallest debt in July.  This will allow me to get something paid off in at least 2-3 months. 

Life is about learning from your mistakes and doing what it takes not to repeat them.  I created this debt and it's up to me to eliminate it. 

Plus, I got a part time job.  I do enjoy it.  That helps.  Focus is what I need and having a clean home does help.  I know that moments matter, but they fade away.  I must do what's best for me! 

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