It's a Journey to be Filled with Accomplishments

This financial journey is not the easiest one to be on.  I'll be the first to admit that!  It's a roller coaster, filled with ups and down, flips and flops, curves, and slides, but it is all worth it.  It seems that it isn't but it is.  As you know, my biggest issue is all of this student loan debt that I have accumulated over the last years and still haven't completed this PhD, go figure.  In my mind, I'm over it, but I know this is something that I need to complete one way or another.  I do know that my topic will have to be started all over due to the program not being in use anymore.  Knowing what I know now, I may not have consolidated my loans because they fall off after 20 years.  Never was told that!

Working on getting the house in order.  Still need to get the last 2 rooms redone plus the hallway and I'll be finished with the back of the house.  Then to the kitchen.  It's a work in progress and I can do it.  When the dust settles, I will inquire about refinancing my house.  When that is done, all I will have to do is pay for 15 more years instead of 20.  The house will be paid for by the time my baby is 15.  That will be a complete blessing. 


Paying things off seems to be the story of my life.  Never seem to get there.  Always something.


Medical:  5,683 (200 a month)
Walden:  6,597 (75 a month)
Navient:  10,429 (75 month)
      11,162 (25 month)
Fed Loan Serv:  172,475 (25 month)

By the end of the month the medical will be down to $4083, I may put half of it toward that debt.  Depending on how things are looking at the end of the year.  Walden should be paid off by December 2017.  The goal is to eliminate as much of this debt as I can and still not accumulated anymore.  That will be the hard part.  Looking at the debt like this makes me feel great that I can see it, but knowing that I did this to myself makes me feel some kind of way.  Hindsight is 20/20. 

Having the Mini Cooper is great, but now that I have this little boy, it is a little too small for the both of us.  Really looking into getting a new vehicle at the end of the month.  Paying cash for it, no more than $12,000 I want to spend.  Also, was supposed to go to the salvage yard today to see about getting rid of Liam.  He's been in the front yard since last year.  It's time to let go. 

In my mind, that will be the start of letting go of many other things in my life.  I feel stifled, holding on to past things that serve no purpose in my life.  Let go of things that wish me no good, because I am blocking blessings. 

Dripping Like a Running Nose

There have been many things going on:
Baby Showers
House Warming
Many other gift giving events

For me:
Fascia board replaced
Tree Limbs removed off back of house
mother's day gifts several
dropped my phone again today

Credit score dropped.  I did get a refund from the bank issue.  Life happens as always.  I'm a worrier and this baby has only made it worse.  My emotions are all over the place.  Maybe it's the baby, maybe it's my thyroid, maybe it's my life.  I don't know, but regardless, I have to get it under control.

Cutting into my savings, I am almost at $1000, that's not good.  Now, I need to replace that money that was taken out.  It's going to take time to make that happen.  Been seriously thinking about selling Liam.  That money could go to paying off Marybelle.  In the meantime, Marybelle is having issues.  That's crazy still paying off the car and having issues with it.

As of today, no more money coming out.  Unless, it has to do with food or an emergency comes up.  Also, tithes.  Things will be fine, I don't believe that all the time, but I know it will.

Next steps
Flooring fixed
Another tree limbs cut down
Bulb replaced and cover on Marybelle

Overall, I am glad that I have been able to handle all of the responsibilities.  Having this baby has made me view life much differently.  I'm able to take care of him and my other obligations as well.  I am so thankful.  I could not have ever imagined that this would be my life, but it's mine and I love it.

I will be fine!

I Got This

Of course, life keeps happening whether I'm with it or not.  The other day, I got pulled over because my tail light is blown and busted.  How long has it been this way?  For years, but it's time to get on the good foot and make things right.  No, I didn't get a ticket, I got a warning which was a blessing and I completely receive it.  The next thing that happened.  I was overdrawn in my account.  Why?  Nelnet took too much money out of my account.  It probably was my fault, but it wasn't right.  The manager wasn't acting concerned about it.  It took a teller to assist with the situation.  If it was up to the manager, Nelnet would have refunded my money, that would have taken 4-6 weeks.  This made me have to go into the savings which I'm already down due to paying my mother.  It's alright, I've been blessed tremendously and I am thankful.

Currently, I am working on my home.  I'm glad that I have the funds to get it repaired.  My fascia board is really bad, over the years, squirrels have been chewing and making it look awful.  By the time I get off work, it will be fixed.  Yes, to that.

Also, my house had a gas leak.  The gas company come and turned the gas off at the heating unit.  It doesn't have to be fixed until the fall.  That'll give me some time to get that done.

Next things
Flooring inside house (front room, kitchen)
House painted
Trees cut around the house

My cars
Liam repaired (towed)
Marybelle tail light and cover, seats fixed, headliner

No matter what, life is going to happen.  It's a matter of how it is handled.  I'll admit, I haven't been on my Ps and Qs, but there is always a season.  It's the season to get things done.  I have a plan and I am going to make it work.  I listen to many adults and I am proud to say that I'm going to be just fine.  No matter what, I got this.  Many times, it doesn't seem like it.  I get down and out because I want help, someone to come and sweep me off of my feet and handle all of my responsibilities.  That isn't my reality.  In the meantime, these things have to get done.  It feels good when my business it taken care of.

Plus, I have a little boy that I must take care of.  He's here to stay, no matter what.  The house is in disarray, there is only time to get it together.  Also, I have to get my car cleaned, it is awful.  This is my life and I got this.  It feels like I don't from time to time and I do feel like I'm going to lose it, but again, that's life.  I deserve a standing ovation, pat on the back, something, but I'll give it to myself.

When things get tough, wipe it off and keep it moving.  I'm going to be alright.

Things to do
Continue paying student loans
Save money, save money, save money

I'm alright all I need to know is that!