Tuesday, November 9, 2010

Days Keep on Slipping

One day when this is well behind me, I am going to look back and smile. Smile because this situation is catapulted me to a better place a more peaceful and subdued environment. Speaking briefly about the situation. Maybe you have read this from me before, but I am tired. Tired of putting myself in bad situations. All of my life the same old things. Now, there's nothing. Nothing to be happy about, nothing to look forward too, nothing. On the flip side of that, there are many things to be happy about. I have my health, a place to live, my needs are met, there's life. So many things to be proud of. Just doesn't seem like that though.

This is my plan of action. Time waits for no one. This entire things has made me understand more about myself and others. No more will I be that same person, I deserve better than that. No more will I put others feelings in front of my own. Worry no more, everything will be alright and you will look upon this situation and know that it served a purpose in your life. It does and will.

Like I have stated previously, I am behind on many things. Bills ontop of bills is what I have. More or less I have gone through a divorce. Picking up the pieces, not knowing which way is up. Slowly they are coming back together. No where to turn, if things go wrong, I have to be the sole supporter of me. No more love from the other side.

Looking at things on a lighter note.

Bills
Power
Gas
Water
Knology
TMobile
Walden: once one thing is done something else always happens
First Premier
ADT
Tax Lien

There is something going on in my life. For the past year it has been a down hill spiral for me. The last few days have been strange too. Lost my license only to find it. Got pulled over only to get a warning. Car will not crank, have to get it fixed. Out and about and things took longer than they would normally. Now I'm back home to do nothing. My life has been a bunch of wo is me.

One day financial success will be mine. In the meantime, this thing called life is kicking my butt. What is going on in my life? Cleanse myself completely. No more bad things. Willetta, you will be ok! Trust that, it seems bad now, but everything has its purpose. You will be ok!

Not being able to focus on what's important has been a downfall of mean. At least the mortgages are paid. I'm going to wait to see what is wrong with Liam and how much it's going to cost to get him out of the shop. In my world, it just keeps on raining! Get it together girl, get it together!

Saturday, October 23, 2010

Realizing Many Things

Life for me has been a up and down hill battle. Being a product of my experiences and continuously doing the same things and getting the same results has gotten old. Facing the person that I really am has been hard. From October 09-October 10, things have been chaotic for me and only because of the decisions that I made. This is why I am where I am today, alone. Throughout this all I have not paid bills and just seem to be coasting along. The word for me may be depression, who knows. Like I stated before, embarassment is the key word. How could I? The audacity of me.

Currently, I don't know what my financial state is. I know that the water got turned off at Parkchester, not because I didn't have the money, but just haven't paid the bill. My existence is sad. The highlight of my day is none. I did pay the mortgages, so they are caught up.

Maybe I need to come up with a plan of action. Have no motivation to do that. What I do know is I need to finish these papers. Haven't done anything with school. Really feeling sorry for myself.

This is the last month for paying Ron. That is good.

Bills
Water
Gas
Power
Knology
TMobile
ADT
First Premier
Wachovia
US Dept of Edu
MEA
Tax Lien
Doctor's Hospital

Things I Need to Do
Get Motion Lights put Up
Turn in KAM I
Save Money
Put Liam in the Shop

No goals or ambitions nothing all of that has been taken away. Can't stay here forever, got to keep pressing on.

What's even got me is focusing on the things that aren't important. My life is what's important. This is my mothers house and I don't want to be here no longer than July. She was kind enough to allow me to live here again. So thankful!

Keep pressing forward and get my life going.

Friday, September 24, 2010

Just Floating on By

Feeling embarassed about this entire thing. The place that I have created for myself. Growing up is something that must be done and I can't beat myself up for the mistakes I've made. The title of this blog is My Financial Success and to be honest I feel that I have none. There are so many things that have happened and I have not been able to get caught up. It is sad. Not and not knowing my financial state is a shame.

Confessions
Overdrawing in account every month

Goals
Get motion dectectors put up
Complete KAM I
One residency
Save $5,000
Pay off Wachovia $1900
Pay off Ron $1900
Get front yard landscaped
Purchase my own home
Purchase land
Get my mind in order
Change insurance companies
Get Liam fixed

Time keeps on passing me by. All I can do is shake my head. My Financial Success deals with getting my finances in order and paying off all debts. Also, Willetta Jackson being debt free. Owing no one. These are the debts that I have as of today.

Debts
Ron (November)
Wachovia (January)
SunTrust (October)
Bank of America (October)
US Dept of Education (December 11)
Tax Lien (August 11)
MEA
Student Loans
Medical Bill

In my mind, I just need to get my mind in order and focus on what's important. That is so hard. Just really don't feel like doing anything. There are so many things that I need to do and order to make things happen. For instance, complete KAM I, II, & III. Just can't seem to focus and sit down to write these papers. Was going to a residency, but had to cancel that due to finances. Another thing I am going to be fiancially stable to the point where I can pay cash for things and have no monthly payment. Can no longer live check to check. What is wrong with me? That is always the key question. Willetta what is wrong with you?

Wednesday, July 14, 2010

I Really Don't Know What to Say

It seems that my wheels keep on spinning, no matter what. That is how life is. No matter what the time keeps moving forward. My finances haven't been the best lately and I know what and where things went wrong. There are many things that could have been done and weren't. On the other hand, there are many things that were accomplished too.

A few posts back I stated that my credit score had gone up, but now it has dropped. By how much I don't know. Behind 2 months on one house and 1 on the other. I believe that I have to pay 6 months to a year in order for the mortgages to be brought back to good standings.

As I type, the bathroom is getting fixed. So glad about that. The shower still isn't fixed, but now I can take a bath instead of a shower. Got rid of the pedestal sink and put one in with storage under the bottom. Also, used Goof Off to get all of that adhesive off of the ceramic tile. That worked. Changing the bathroom color too.

Just thinking about everything, there has to be a way for me to get back on track. It seems so hard and at times I feel lost. Spinning my wheels and not getting anywhere.

Haven't been working on the group home, slightly working on my KAM I. Actually waiting to hear a response from my professor.

Let's see starting today, what can I do to get my financial situation back in order.
Stop eating out
Return items not able to use
Put more money on items
Save something every month

Ron
Wachovia
US Dept of Education
Tax Lien

Things need to get done at the houses
1027: Railing for stairs on side
637: backyard leveled and jungle removed...privacy fence, ground fault receptacle
3210: motion detector light, handles fixed on tub

Having my passport has me seriously thinking of taking a trip somewhere anywhere. Being able to go to another country and see first hand how they live would be amazing to me.

Take everyday one day at a time. Get things done and put my best foot forward. I will have the mortgage paid for the month on the other house. So I will not be behind. The extra cash that I get will go toward paying Ron or something. Tired of being in this financial place.

This is what I will try to do. Write at least once a week to show some type of improvement.

Friday, June 25, 2010

Ok, And

Every day goes by and it does get better, but it's not at its best. Realizing who I am and what needs to be done is a serious and daunting task. Being in the house by myself has made me realize many things. One, that I have to make a life change. Two, I was put on this Earth to enjoy it and not be a mess up. Three, it's up to me to make things right. Four, do something different. All of these things are of great importance to me.

Since the beginning of the month, I have been in a low place treading water. I am tired of being here. I have come to the decision that I will enjoy this place and make the most of it. I have been truly blessed through out my life and the blessings will continue to flow. Reading books about Buddhism has really helped me understand myself, others, and life. There are areas in my life that I have failed on the test, but there are others that I excel in. There needs to be a balance.

Today, I have no more cash at all. The good thing about it is I get paid Wednesday, the bad thing is I owe, I owe! Just like this month I made it, I will make it next month too. I used my credit card to fill up in gas. I took $20 and went to the grocery store. I only spent $18 and some change. There is enough food in the house to last me until next week. Good job!

There have been a few positive things that have happened:
applied for passport
Learning Agreement II approved
ordered books for last part of KAM I

So as you can read, I have not been just wallowing in sorrow! Yes, I have, but I have been doing things too.

Things I have to pay:
637 Parkchester
1027 Fisk
2 power bills
2 gas bills
2 water bills
2 cable bills
Tmobile
US Dept of Education
Wachovia
Ron

Things need to be fixed in home:
Cheap tile removed off of floor bathroom done
sink fixed and replaced done
sheet rock replaced done
faucet replaced tub

I guess I may be in this home for about 1 year. This is an income property for my mother and now that I am here that is $425 that she isn't getting per month. Truly, I don't want to be here, but this may be the best place for me. This is the second time around and there will not be third.

Time keeps on moving and no I am not getting any younger. There are things that will be done. I don't know how much money I owe Ron, but once that is finished I will start back saving. Five years until I am 40. Wow!

Another thing, wherever I go once I leave this house I will not have a mortgage! It is ridiculous how the housing market is. If the home is $50,000 when you finish paying for it, you will have paid almost $300,000. That is a shame! So I have learned that I mortgage is not the way to go. Or, I will just build me a house.

All I know is I didn't learn the first time, but I have this time! No longer will I spin my wheels to get nothing! I am fine, just have to except my place in this world and do the best I can! I am worth more than I ever thought! Thank you for letting me realize that!

Wednesday, June 2, 2010

Another Day is Here



As you may know, I have been in a low place for almost 2 months now. I understand my wrong and what I did. Thinking back, I don't know where my mind was and what was going on. Quit honest, I am embarrassed to say that I messed it up. Things are different now. I know longer will be in that place. Seeing things differently now. It's like everything is on the looking glass.

Yesterday was not a good day for me, all I did was cry. I greatly apologize to you for what I did, I never meant any of it. I know now, that we had everything and each other and that was all that mattered. Yes, things weren't always good, but they were everything that I wanted. Thank you for that! Thank you for everything that you have ever done for me, the time, the energy the emotions, thank you! You took care of me and that is all that I could have asked for. Now, I am all alone, missing what we once shared. Never to return again and that is sad. Always looking for the next best thing when it was always in my face the entire time. Wow, how we don't see it until it is gone. Maybe one day you can find it in your heart to forgive me. Like I said before I know now.

Working on myself and being in this same place again is very trying. To say over 5 years ago that I will never do it again and to do it again is crazy. Always looking for the next best thing and it was there all along. Sad!


During this time, I have learned that everything I need is in me. Everything, my whole life has been filled with nothing but failure. One relationship after another, failure! Getting into one after another and never hailing from the first. Bringing those issues into the other. The cycle continues to repeat itself over and over again. I refuse to be a victim. It stops here. I see now. Maybe it's because I am older and tired of being put in the same situations, I don't know, but what I do know is never again will I be the victim. I will never ever feel this way again. I will not make someone else hurt. To see the pain on the face is something that I never want to see again.

The wanting, desire, all of that is sad, the minds keeps on wanting the next best thing. When what you need is always there. All I can do is shake my head. I want to talk to you to tell you how I feel, but I know you don't want to hear anything that I have to say. The lies, I completely understand. In my small mind, I just want things to go back to the way the were. A piece of me says it can happen, but something says it never will. You were my friend and I always thought you would be around, maybe you would have if I hadn't messed things up. Now, I am alone. Doing things that we used to do together, now I do them by myself.

Those were things that I wanted to express, just had to say something. Again, all I can do is shake my head in shame. I can't go on living this life repeating the same mistakes, I am better than that. This is about my well being. I understand were fear and worry come from. I will no longer carry them with me. I have released them. I deserve better than what I have given myself over the years. I am somebody!

My Finances
Once I recieve the money that I am owed, I will get some things fixed on Parkchester:
  1. yard done
  2. GCIF
  3. privacy fence

owed $3,000

Right Now

I have no money for real let's see:

  1. $1,000 to Ron for Parkchester
  2. $450 to Mom for Liam
  3. $570 for Parkchester
  4. $570 for Fisk

At this point, I am overdrawn in my account, tredding water. I am not ever worried about that. I also paid my bills too. So I know I am overdrawn in my account. So, so very sad.

Paying $1000 a month to Ron let's me know that I can pay off much of my debt soon. I don't know how much I owe him, but once that is done I will pay off the two student loans that I have. This is a bad thing, but now I can focus on me, that is what I am going to do. No room for anyone else.

I paid my credit card bill. I guess due to the holiday weekend it will be a delay when they will receive the payment. Once the payment has been received, I will purchase the books I need for my Application. I will start on my Learning Agreement for KAM II.

This blog has helped me to express my rights, my wrongs, my stupid decisions, my oversights, my mistakes and any other crazy thing that I may have done. Survival is the key to this thing and that I have been barely doing. I am worth more than that! Thank you for reading and again learn from all of my errors, because as you read, I make a plenty of them.

Saturday, May 29, 2010

So Worried

Regardless of what is going on in ones life, life keeps moving forward. As I stated in my previous posts, starting over has it's ups and downs. At this moment, I am at the downs. To be honest, everyday is getting better, but not it's best. Right now, I should be in Houston with my girlfriends, but due to the move it took all of my cash. My finances aren't the best and I don't see how things will work themselves out. It is completely out of my hands, I must keep moving forward and not give up and myself.

I got Liam out of the shop and had to borrow money for that. Trying to purchase 3 homes and I have to give him $1000 for a title search. Don't think that is right, but I really want these homes. I am owed money let's see $1800 from one home and $1200 from another. Once I receive that money things will be much better.

The house I am in now needed/needs some work. The floors needed to be done, while doing that they have done something to the power where the washer and dryer are. They also repainted the walls, when I had already painted, I just didn't cut in. The house is in disarray worse than it was in the beginning. I really don't know where anything is.

Looking at my finances is a truly sad thing. At one point, I was rolling in the money, now I am tredding water trying to stay afloat.

As for the group home, I had to start completely over on my paperwork and I could be further than I am, but wallowing in sorrow does something to my motivation.

School will be over for the term Monday and I need to purchase my books so that I can complete KAM I. In the meantime, I will start working on the Learning Agreement for KAM 2. I registered for the residency in July, but I am not going to attend it, no cash and feel I need to complete all three KAMs, before I attend another one.

I am sad and working on myself. That is all that I truly can say. Don't want to do anything, go anywhere or nothing, just want to be. I have figured out that most of my problems stem from my youth and I have to fix me. No one else, but me! Can't be still and truly trying to work on that. All these changes and I know that it is for the best.

3210 Oneal Street
bathroom tile removed
bathroom sink fixed
dishwasher replaced/fixed nothing was wrong
tree limbs cut
grass cut done
plant some flowers

637 Parkchester Drive
add a bathroom

PhD
KAM I
Learning Agreement KAM II approved
KAM II
Learning Agreement KAM III
KAM III
Prospectus
Dissertation
2 six day residencies

I don't know what is going on and where I am going, but I do know that things will and have to be better. I will not be worried about things and just keep moving forward. I am still sad, but I will be alright. I have to make me better that is all that matters. My childhood has had a serious affect on me and who I am. As much as we try to be different than our parents we tend to turn out to be just like them. No longer will I be a victim of my past. Things will be better and now I know that. There will be a better Willetta when this is done!

Tuesday, May 18, 2010

The Current Situation

I am learning to slow down and just go with the flow. Living life and not being acceptable of myself is a huge thing. Learning how to love myself is the main goal. Tired of doing the same things over and over again. This will make almost 20 years of being given an opportunity to right my wrong and here I am in the same place again. Things are different this time. No longer will I continue to wrong myself. Now, I understand that I am no different. I didn't like when you did it to someone dear to me and I do the same to someone else. Wow, things will be and are different this time.

My financial situation is not at it's best. The transition has taken away from what I had. On top of that a tenant owes.

Things about to happen
$1,000 for 3 houses
1027 Fisk Avenue $527
Books $100
Liam $500
3210 Oneal Street $300

I don't need to be flat broke and that's what it looks like is about to happen. I have been trying to sort out my issues and constantly spending money where I don't need to. This move has really done something to me, but I do understand there has to be consequences for my actions. I am taking responsibility for what I have done. It is no bodies fault but my own. Now, I have to figure out how to survive for the next almost 2 weeks. No food, no money, no nothing, but my sanity and at this point, that is all that matters.

There's no money on my credit card, I have about $500 to my name. Wow and things just keep accumulating. You know what that doesn't matter, what matters is that I am healthy and there is a means to an end. Today, I am going to take my time, find out if my car is ready, get some cash and just relax in the house alone. I just need to be.

If you are a constant reader of my blog when I post don't do the things that I have done. Learn from my mistakes all I can do is give thanks and know things will get better.

Tuesday, May 11, 2010

Why Do I Keep Doing the Same Ole Things?

I have messed up royaly and the first thing is to admit your wrong. I am admitting my wrong! This makes time number two that I have wronged someone that is very dear to me. Why did I do that, who knows, maybe looking for love in all the wrong places? At this moment, I am feeling what I did wrong.

Here I go again on my own! This is not a place that I ever wanted to be. What have I learned from my mistake? Never look outside of your relationship for anything. Look within it, communication, and trust are key to a happy relationship.

What I want: I know we may never recover from this, but if we do I will not and I do repeat will not do anything like that again. The entire situation is sad and it is not completely my fault. All I can do is admit my wrong and work on making me better. This time around I will make me better. I don't ever want to have this experience again. What we shared was intimate and we took each other for granted. If we could return to where we were I would be different. I would cherish every moment that we spend together. My friends would not be before you and I would work on making us better.

Since I am on my own again, my finances have completely changed. The extra cash that I had has gone to hotel rooms, moving (purchasing new things), eating out. I am not at 100% and it is to be expected, but I do know I am giving myself an entire year to get everything together.

May 11, 2010-May 11, 2011
completed all 3 KAMS
completed prospectus and dissertation
done 2 residencies
about to graduate with PhD
group home running
moved from 3210 Oneal Street
pay off Ron for fixing 637 Parkchester
pay off tax lien
pay off wachovia
pay off US Dept of Education
pay off MEA
purchase 3 houses
keep credit scores up 607, 657, 657 (they can only get better)

Something that I have noticed about myself is that the months of March-May usually has some type of chaos going on. What am I doing to attract these negative things? I am tired of my faults and like I stated earlier I will work on them and be a better person. I don't ever in life want to feel like this and I never will. Keep moving forward and let me realize that I made a mistake and the things I do have a trickle down effect on the people I am around. If you can find it in your heart to forgive me please do.

There is more that I have to say, but the time will be later. This is my financial success, the ups and downs, high and lows, but through it all I will achieve financial success. There are many things that have been put off over the years. This year, I will make them happen. All extra cash will go toward paying off the lowest debts first.

Also, remember I am paying for utilities in two places, my new residency and Parkchester. So my money is used up. Keep saving and moving forward that is my plan.

Sunday, April 25, 2010

Here I Am

It always seems the same. Doing the same old things, not posting to no blog for months at a time, just trying to enjoy this life. All the same things, and here I am. Time keeps moving forward and so do I.

The house is rented out on Parkchester. Thank you Leslie and Lone Wollow Enterprises for allowing your workers to live in my home. I still haven't finished paying on getting the house fixed. He doesn't know what he did with his receipts. $2,900 has already been paid, I was supposed to pay something, this month, but I haven't. My mother kept asking me if I paid him and that I didn't know how much I owed. I asked and that has been almost 3 weeks ago. Well, I will pay him when I find out how much it is.

There are still some more things that need to be done to the yard.
Parkchester
Backyard leveled
All of the trees cut down
Privacy fence
Grass seeds front yard

Been working on getting group home up and running. The name is Betty Jackson's Home for Teens. Gone through the paperwork of filing name with county and state. Now, I am working on the Policy and Procedures, Disaster Plan for the home.

Group Home
Fire Alarm Systerm specific for group home
Fire Safety letter
Add trash compacter
Washer and Dryer
Another Bathroom
Handles on all the doors
Screen Door
Paperwork

I have given myself and entire year to have the group home up and running. It is taken time and work to get through everything. I have guidance from someone that already has a group home and it truly helps to be able to talk with him and get some direction. Even though I do procrastinate I have gotten many things done.

More things needed for Group Home
Letter from Dentist
Letter from Doctor
Order book from state

Had to do another eviction. This is for my mother's house on Oneal Street. I don't know if she's still there or if she's moved. I have to go to court Monday to complete the eviction. That's crazy. I don't know. Maybe some more workers can move into the house, it's only a 2 bedroom and 1 bath. If not, will go up on the rent to $475. I believe there needs to be some small things done to the house. Hopefully the eviction will go smooth so that my mom can start back making money.

I don't know how my finances are looking. I am finally at a place where I know where my money goes and I am not overspending. The best thing I could have done for myself was to cut up my check card. The best thing since cooking with gas. Now, I write checks and use online banking to pay bills. I borrowed $1,500 off of some money I had in the bank. I still have the loan from last August when I had to pay for school. Looking at all of the debt, I will say I owe about $5,000 to MEA.

I spoke with Mr. Leonard about the houses on Colorado Street. He is still in Baltimore trying to sell the house there. Once that is complete he will be getting with me. Buying 3 houses for $45,000 and owner financed and I great deal.

Money on hand
TIC 1785
MEA 1769
Suntrust 750
Total 4304

That's a pretty decent amont of change. There are so many things that need to be done and at the same time there are debts to be paid.

Money owed I talked about this earlier
MEA 5488 (2 loans)
Tax Lien 5000

What I was thinking is to pay off something maybe next month and get what I can done. I must remember to save something, because I don't know when I may close on the houses. Overall, I am in a good place and I know that I must pay off the debts and stop wasting money. Now that I see everything that I have to do it makes it easier to know it can and will be achieved.

Maybe at the end of this month I will pay the m0ney that I borrowed off of. I didn't tell you that my Wachovia Student loan is 2250. That's something else that I wanted to have paid off this year. Be a manager of money. Then I think about the length of time I have had the debt, that's another thing. That Wachovia loan has been with me some undergraduate school, that's not cool. That will be the first one I pay off this summer.

Another thing, school is going well. Waiting for my mentor to get back with me pertaining to my Breadth component. I also have to purchase the books for the Application. In the meantime, I could be working on my Learning Agreement for KAM II. Writing the paper has been a big challenge for me. Not to mention the fact that I have to write 3 of them, a prospectus, and a dissertation before I can be Dr. Willetta Jackson. All part of the process I guess. No, don't get me wrong, I am not complaining. I am glad that I am in school for my PhD. I don't have time to play around, I have done that long enough.

I forgot to mention that in all of this I would love to move to a bigger home. Something with 4 bedrooms, 3 baths, a 2 car garage, fireplace, and pool. Where there's a will there's a way. This is my life and through it all here I am.

Sunday, February 28, 2010

Ok Here's the Situation

Things are happening in my favor and it really feels good. My thinking cap is on and it is time to make the most out of things. Just finished my last class. I may get a B; don't know how I feel about that.

Currently, I have $9,096.76 to my possession and I again, I don't know how to feel. This is the most money I have had at one time. Ok, there, I put it on paper. Really been trying to figure out a few things. Supposed to purchase three homes this month, but person selling had some other things happen. Hopefully, I will close in March maybe April. The eviction was crazy. The people that were living there were selling drugs and dogs out of the house. And there was this mean living in the backyard in a camper. I cancelled the eviction because the house was empty. Maybe I should have kept it. The house is messed up on the inside very dingy. Now I am getting the house situated. There are a few things that need to be done in the house. I don't want to spend too much cash to fix the entire thing. What about $2,500? Since the house is empty I am paying the mortgage. Maybe I can get it rented out until I get everything up and running. That means that I will have to purchase a refrigerator, beds, furniture, and more. Everything is moving and I must be ready to receive all of the positive favor. Remember, when I close on the houses I will have a down payment, closing costs, and other additional fees $2,000.

In order to do what I want to do, it's going to take plenty of patience and focus. I think I said focus before because that is truly what I need.

Rewrite of things to come:
All things in bold have been completed.

Blinds
Plug ins
Paint house inside and out
Redo floors
Make sure everything is working
Floor heater fixed
Central heat and air secured working
Back window secured
Landscaped
Fence

Complete Policies and Procedures
Get measurements of house

Breadth KAM I
Application KAM I
Breadth KAM II
Depth KAM II
Application KAM III
2 Residencies
dissertation

Also, almost finished with school. Slowly coming close. All it will take is dedication and focus. I have to write. This is what is left: 3 KAMs, 2 residencies, & 1 dissertation. I don't have years to finish the dissertation. It has taken me long enough with the leave of abscence. I have played around long enough. The time for everything will be 2011. Make it pop is what I say.

Saturday, February 6, 2010

Life is What You Make It

To be honest, this like all other posts may or may not make sense, but I just felt that I needed to write something. I have been working hard to make sure that I have things in order. For instance, my finances hence this blog, Liam is in order, and my personal life. At this specific moment, I understand that I am trying to make some changes for the better. Sometimes, I am scattered and mentally I can't focus on what is important. Currently, I can see the forest for the trees and I am not focusing on the bull. I am not getting any younger and know that at some point I have to make things work for me and my family. Financially, I am blessed and proud of where I have been, where I am, and where I am going. Truly, my signficant other has helped much with this. Thank you, you know who you are. I don't have a car note and that helps much too. As far as Liam is concerned I am getting at least one thing fixed a month. He is 12 years old and needs some maintenance, I can afford to spend a few hundred dollars on him once a month since he is paid for. No longer will I put his issues off. The needs some minor repairs, things that I should have gotten fixed a long time ago, since I did mess them up I should fix them.

Wow how time flies, I didn't realize that I have had this blog since 2008. My how time flies. It needs to be revamped. I guess I will sit down and sort out how I want it to look. I really need a new header. I want it to reflect how fabalous I am. Looking back over the years, I have made some serious financial mistakes, but now I know what to do to make it better.

There are many things that are about to occur in my life. One, we are changing schools (my middle school is merging with another and we have to move out of the building at the end of the year). Purchasing 3 houses at the end of the month, one which is an empty shell. Applying for my passport so that I can travel outside of the country. I am working toward making serious power moves. I don't want to work for ever, I don't want to have to work until I am in my 6os, I don't want to be like that. This is why I am making the necessary moves at this moment.

I think about myself from time to time and in my mind I am lazy and really don't want to do much. This may be true, but overall, this is not true. I am a go getter. It may take me some time to actually put it into play, but I will make it happen. Another thing, I haven't gone through an interview process in 9 years. I don't think I want to go through that ever again in my life. If I have too I will. What I see for myself is teaching online and being able to stay it home and do the things that I enjoy. I am truly blessed. Ten properties by 40. I know I can make it work. Just learn from the mistakes of others and everything else will fall in place.

I know that I can do all things possible.

Sunday, January 24, 2010

It's 2010 and I am Not Doing the Right Things


This is going to be a lot of rambling off. I haven't been thinking clearly these past few months and money has been one of the issues. First, I have gotten much money over the last few months and blown it on nothing. Something that I have realized is I am a giver and that may be good in some instances. Today what I am going to do is write here what I have done wrong and what I am going to do to fix them.

Again, it may be scattered!

Trying to purchase 3 properties for $45,000
Moving by August 2010: 4 bedroom 3 bath, 2 car garage, pool, fireplac
Found out I haven't paid my mortgage for December $1150 paid
1027 owe $450
637 owe $1710 need to evict paid
3210 owe $450 paid
when evict 637 going to have to do much work $1,000 fixed
still haven't paid for the Escalade $4,900
money I have is $1,200
still raining in Liam fixed
backdoor on Liam has dropped fixed
power button for drivers seat
break light broken fixed
brush guard rusted
filled out passport application and took picture, but now can't find birth certificate
breaks still messed up waiting for Firestone to call me back in shop as I type
haven't done anything with my KAM working on this
caught up in my last class passing with a 91 finished all courses

The first thing is to stop spending. Spending on things that really don't matter, doing for others and things like that. The problem is I don't do for myself often, I really didn't a few years back. Now I am making up for lost time. It feels good to finally see that I have money. All I have to do is put it to work for me. In the meantime, enjoy a little of it.

What needs to be done. Try to write it out in an orderly fashion.

Save $3,700 by March by off Escalade
Tomorrow pay 637 see if it can be taken off my credit report $1,200
Organize bills for February tomorrow
Find birth certificate and send off passport application
Pass last class
Put car in shop when they call
Call where got headliner fixed
Start working on KAM
Get ahead in my class
Get estimate from Burkett for Liam
Put $1,000 down on $45,000 properties
Call tenant let know they need to move
Go up on rent
$425 to $475
$570 to $610 950

Ok, follow this and everything will work itself out. As I do these things I will cross them out and date. Let's see how long it actually takes me to complete this list. My my my, how I procrastinate.

Something else, I don't know what I want to do with myself. Travel, teach others how to take care of themselves, rent, buy, sell, fix houses. Being tied down like this has its ups and downs. Since I have been doing this I have seen so many come and go. I don't want to be there forever and yet time keeps moving. To some extent, I wonder what else can I do. My plan is to save money and make it work for me.

One day I'm going to look back and read this and realize that I made the right financial decisions. All it takes is learning from my mistakes, saving, paying off debt, and doing right by what I have. I can do this, I can make it happen, I must achieve financial freedom.

This is just a spill of what I am thinking about at this moment. This has helped because now I can see what needs to be done. Being scattered doesn't doesn' help the matter. That is jusst has my mind operates.

Saturday, January 23, 2010

Being sure of the right debt rescuers

Guest post by JENNIFER LOHAN

Debt consolidation is often a useful means to get rid of your high-interest unsecured debts like credit card debt and personal loans. The credit card companies are earning billions of dollars in penalty fees. With the raise in interest rates on credit cards, the situation of credit cardholders has become worse. Many individuals are looking for a reliable if not, the best debt consolidation company since they’re facing difficulties to even keep up with their minimum monthly payments, not to mention the cumulating interest rates. Number of bankruptcies is at a record high and people are desperately looking for solutions to get out of debt. This article would help you choose the right debt consolidation company. Choosing the right company is essential to successfully eliminate debt promptly.

Do your homework

When you’re looking for a good debt consolidation company, you must do your homework well. There are so many companies out there and some of them are just scams that would prey on you to take your money without offering any valuable services. Check with the Better Business Bureau (BBB) to see if there are any complaints against a particular consolidation company you’re thinking about. If there are many complaints or grievances, just turn your back on them and walk away.

Check the background

It is essential that you check the past performance of a consolidation company. Some companies are just fly-by-night companies and change their names too often. They target unsuspicious consumers to make money. You mustn’t go for a company that has a history of less than three years. Remember that it needs time to form reputation. Choose a company with an extensive history.

Pressure tactics

This is certainly a warning signal. If a representative of a consolidation company tries to make you sign an agreement within a very short period, then you have to look out. A reputed company wouldn’t do this. Debt consolidation is not an easy procedure and you don’t have to hasten to arrive at a decision. Furthermore, consolidation mightn’t be right for everyone.

Don’t choose a lengthy program

You mustn’t select a program that is going to run more than three years since you can’t gain from it in the end. The sooner you pay off your debts, the better it is for you and you also can save plenty of money.

Ask questions

You can ask your family members or friends about their experience with a particular company. Knowing their experiences might help you choose the right company. Ask the company about their monthly payments and interest rates and compare them with others.

Always keep in mind that the right debt consolidation company would offer you a tailor-made program that would fulfill your requirements and remain within your means.

JENNIFER LOHAN
jennifery2k@gmail.com

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