Sunday, February 15, 2015

This Little Boy

Things are changing for the better, it's taking a little time, but overall, it's getting better.  Slowly adding money to an account that I will not touch.  Started a Christmas account that can be withdrawn in December.  The only thing is there has to be 12 deposits by October.  What I need to do is make 2 random deposits in that account and things will be good.  I have $50 being deposited in that account over that period of time.  This will give me a chance to shop for Christmas instead of waiting to the last minute and using the money that I make for the month of December.

Having this little boy has made me life much different.  I love him and I never knew life could be like this.  It's so different.  I never would have thought that this would be my life.  I cry when I'm happy, no matter what kind of day I've had, he makes me smile.  Energy is always there for him.  I don't want to fail him at all.  Looking over my life, I've wasted so much time, money, love, and energy.  Now that I have him, life is different.  For him I want more, better, things I didn't have growing up.  Financial security, stability, a chance to not have struggle on his side.  For him, I'm going to give my all.  With that being said, I've made many changes for the both of us.

Deposited $5000 in my account
Paid off several debts
Credit report increase 583 and 593, still under 600, but slowly moving up

Going to open him up an account so he'll have something.  Instead of putting money up monthly, will use money from tax return to save for the next 18 years.

Truck needs to be fixed
Car seats need to be repaired
House needs to be done
Oneal Street needs to be rented
I need to move ASAP

I owe $4708 on my car.  If I pay $100 more a month on it I'll be finished paying it off sooner than 11 months.  As a matter of fact, it'll be in almost 9 months.  That'll be $450 to put toward something else.  It's taking several changes in order for me to get my mind right.  Another thing, I will up my deposits to my annuity.  This needs to be done by August.  By then, several things will be paid off and my credit score will be over 600 points.  By the way I didn't mention, I have over $150,000 worth of student loans.  Once my minor bills are paid off, I'll start working toward these student loans.  This is not a thing that I want for my soon.  Student loans are awful.  The constant calls, get on my nerves.  It served a purpose, but now I'm just tired.  The smallest bill is 1787.  Don't want to spend my entire life paying off student loans.

Another thing, when I get caught up, I'll start paying the smallest student loan off and work my way up to the largest one.  I also have 2 private student loans that I am way behind on.  I'll pay $50 a month until I pay off a few other debts.  Work on putting money in the right place.

I'll be 40 in August and my life is much different.  There are several irons in the fire and things are getting better.  I'm a mommy now and I have to make things better for him.  I think about the money that I waste monthly and where it needs to be put.  Which is in a better place.  Like I said before the time is now.  Working is something, and money needs to go where it should in order to have a debt free life.
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