Monday, December 24, 2012

They Wouldn't Be Called Resolutions

Knowing where my money goes has been an asset to me.  Money was being spent on things that I didn't need, I guess they were won'ts.  There are things that I have purchased that have never been used.  Wasting money is no longer an option.  The year is ending and there has got to be a better way.  The sign of insanity is doing the same things and getting the same results.  I don't want to do that anymore. 

A few months back I realized that there is this person in me that is trying to get out.  I will admit I am afraid of what it could be.  It is only good.  Shying away from things that bring me joy, so sad.  2013 will be a year of recovery, of what was lost, not getting those things back, but learning from previous mistakes and not holding on to them.  Using them as lessons to help me grow into the person that I am meant to be. 

Pay bills on time, if possible set up a bill pay with power.
turn in modem to Knology
pay mortgage behind 1300, 2 months and escrow
pay Marybelle on time
ask for settlement with companies I owe
pay off forecloser ask for settlement
Save $1,000 a month
find out about refinancing Marybelle

In the meantime, pay off things that have been lingering for a while.  Slowly get the house fixed, and save for those times of distress.  Things are getting better. 

There may be a chance for property management, if so I will let you know how that goes.  Also, have filled for an eviction already, she hasn't been in the house for 3 months.  Will see how that goes.  Was thinking, that if property management is an option, I will video the homes and upload them to see the before and after.  This is exciting, another endeavor.  Meanwhile, I will continue to do fun things. 

Work with me people I am only human and learning everyday, thankful for my gifts and the mistakes I made.  Without them I wouldn't be here right now.  Financial success will be mine, I believe it!

Sunday, December 9, 2012

DIY, is Totally for Me

borax, washing soda, baking soda, and grated soap
As I have been working toward cutting corners and making things work, I have learned how to make my own washing powder.  I know, I that it was so cool.  I went to WalMart and bought all of the ingrediants and mixed them together.  What I made smells really fresh and clean, we will see what the outcome will be.  This is another way to cut costs.  Looking at the overall picture, I am home and when I am, I don't watch tv.  This is more money saved.  Cutting costs here and there will help to pay off these bills. 

Another thing, I feel much better about my past and the things that took place.  I had to go through to learn and get in a better place.  Everything is alright and things happen for a reason.  I am learning how to manage and not worry and stress over things.  Yes, money is important, but it doesn't equal happiness.  Life, joy, and love are wonderful aspects of our lives and we tend to push it away for crazy things.  Now, it's time for me to make a difference and put myself first and manage my life. 

It will be a journey that I am willing to take.  Tired of being in that place that I was once in, not knowing what to do to make things better.  Pay off all debt, not incur anymore and put all extra cash toward debts.  This will not be done in vain. 

Saturday, December 8, 2012

2013 Is Coming Fast

I do believe that I only used this blog twice this year and my finances of come to pieces.  There have been so many things that have taken place since the last time to wrote a post. 

For instance: 
Lost house of Parkchester, still haven't seen about that.  the insurance has lapsed and I haven't taken the time to do anything.  I felt like I failure and didn't and really haven't talked about this to anyone.
Direct tv disconnected
ADT from Oneal Street
Storage want to put everything on Craigslist or something, behind, next month things will be auctioned off, that isn't happening
Marybelle brakes and running hot
Liam air conditioning and loud noise
US Dept of Education
Tax Lien

On a lighter note, I do know where my money is going and that is a good thing.  I actually see now, where I didn't before.  Spending isn't a big thing.  I know where my money is going.  Not just wasting cash.  Not eating out anymore, which is a good thing. 

Now to put the money toward bills that have been lingering for a while.  Lossing the house to me made me feel like a total failure, as if there was no recovery.  Then I was told that just like I got that house and the other one, I can get another one.  Since it was put to me like that, I completely understand.  The money I receive should be used to help build up my future, not wasted on things that aren't important! 

This period has been a learning one for me and it is time that I make changes that will benefit me in the long run.  Not having a cable bill has helped me put that money toward other things.  Time keeps on moving and in 3 years I will be 40 years of age.  There has been so many money that I have wasted on things that have no value.  Many of which I no longer own and don't know what happened to them.  Life, true is a journey, but it is all how you make it.  Live and learn and don't hold on to the past.  Grow from it and become a better person. 

Daily I am learning what and what not to do.  I am going to make mistakes, but as long as I learn things will be fine!  No, I am not embarrassed of my happenings, I am here for you to learn from me.  It's ok, life goes on! 

I will not be away for long.  Like I always say, things tend to work themselves out, they always do. 

Monday, May 28, 2012

Trouble is Always There

8 months later and still finances are an issue of mine.  As the saying goes, I can't win for losing.  Don't get me wrong things are good and I always get out of the situation I am in. 

This is what is going on:  
Parkchester about to go in foreclosure.  Probably already in it $3500
Gas bill
TMobile about to be turned off
Direct TV turned off
Marybelle tire and brakes
Liam muffler and air
Tax Lien
US Dept of Education

I am blessed, don't get me wrong.  There are plenty of wonderful things that have happened.  I am glad to have been able to receive and experience all of them.  Being able to conquer these financial issues will let me know that I can do anything.  The sad and funny part of it all is that money comes in, and I misuse it.  That is all that it is, I don't respect money.  I said.  I have two checks that I haven't cashed, one is almost 2 months old. 

As I stated, money comes in and I don't use it how it should be.  Plus I am owed $2850.  Filing for an eviction tomorrow.  Overdrawn in my account too.  The story of my life.  I can help everybody, but I can't seem to help myself.  So very sad. 

The other day I wrote out all of the bills that I owe.  I get paid in a few days. 
Should I take money out of one account to clear the checking from being overdrawn?
Pay gas bill
When I get paid take all of my money and pay off the foreclosure?  Leaving me broke for the enitre month.  ( I will get a refund at the end of June)
Family reunion at the end of June, need to purchase ticket and find a place to stay
Too hot to drive Liam, sometimes he doesn't want to crank
Marybelle's tire is flat and it has a sensor in it and her breaks need fixing

What makes matters worse is, I have the money, I just don't want to pay my bills.  I said it, ok!  That's the truth of the matter.  Things always work themselves out.  Didn't mention that the back of Parkchester is awful full of weeds.  Working on turning that into a group home.  Learn how to make arrangments with the different companies.