Thursday, January 15, 2015

New Year 2015, What's it Going to Be?

It's time to move and gets things going.  Still making unnecessary mistakes.  One thing is no more debt, no more debt, no more debt.

I have used creditkarma.com to help me get my credit in order below is the list of debt that I can pay off in the next few months:
Merchants AD  58
Med Data Sys  132
MEA  139
1st Premier  173
JC Penney's  191
Credburserv  200
Rec Mgt Grp 348
Marybelle  (little car) 5,058/12=421.50
State Tax Lien  8,743 (has to be paid in full)

Merchants AD, Med Data Sys, and MEA will be paid off at the end of the month.  MEA has direct deposit.  Once that is paid, I'll add another 75 to Marybelle's payment so that will make her be paid off sooner than it should.  I'm tired of the debt.  I've made many bad financial choices over the years.  Now that I have a little boy, my decisions will not only affect me, but him too.  I don't want him to have the financial issues that I have.

The above numbers are just the beginning of my debt.  There are several student loans that don't seem to be going anywhere.  I'm tired of getting phone call after phone call from my student loans.  Don't have the money to pay the late payment in full.  One sad thing after another.  By the end of the year my credit score should be above 600.

Also, I'll be 40 in August and I want to move.  Tired of my neighbors it's so sad!  So many things are happening and I don't know where to start.  One more thing, I started a Christmas account for 50 a month.  This will help me get it together and prepare for the holidays for my baby and others.  Plus, I want to do things with him that I didn't do growing up.  We need to go on a big vacation once a year, he and I together.  I also need to have my own vacation without him.

There's no clarity or focus, I have not.  Then another thing came to mind.  Do I want him to get a degree because if he gets a degree that means he'll be working for someone for the rest of his life.  Wow, decisions.

Since I'm an older mom, I'll be able to retire by the time my baby is 16, go figure.  The right things I didn't do before I need to do now.  I've been looking on Pinterest finding ways to put money up.  The next thing is to file my taxes and do right by the money that I receive.  Pay some things off, get ahead on my mortgage.  Did I mention I'm a month behind on my mortgage and car note.  The story never ends.

Time keeps moving, I'm getting older, and debt keeps being an issue for me.  Something has to give.

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