Life

Life is what you make it and I think I'm going to make it better.  I posted Liam on Craigslist because there are several things wrong with him.  It's so sad, but I am in a state of letting go.  Letting go of my past and making better decisions.  It has to get better.  First, I have to pay $540 to get him out of the shop and there are other issues.  He may need another engine.  I feel so sorry for him, but life does go on.

Called yesterday to inquire about consolidation.  That was a very good call.  I went to studentloans.gov and signed up to consolidate my student loans.  What's very interesting about my case is that I have loans prior to 1995.  With that being said, I should be able to get a loan reduction for working on Title I schools.  Since this is my case, no loan reduction for me until those loans are paid in full.  I had those loans isolated so I can pay those off individually.  Looking forward to getting that done.

This month has been full of money coming out, but I'm glad to say I have actually gotten many things done.  I've been in a rut and it's time to get out of it.  Doing what is right by myself and my baby is all that is important.  When someone is constantly asking for me to help them, that is taking away from me and my baby.  More or less robbing us blind.

I want so much more for him.  A better house, in a better neighborhood.  I deserve that and so does he.  Even if I have to move away from my mom.  I just feel safer being closer to her.  I'm grown and have to let go of those strings.

One day at a time is all it takes.  Just one, one day at a time!  Continue to do what's right.  Make better choices and put money where it will work best.  Let go of my past mistakes and never look back.  That's how accidents happen, looking back.

Fifteen years, there are so many things that can happen during that time.  You blink and that time has passed.

Things that need to happen
Continue paying off student loans so they don't go into default
Refinance house so it'll be paid off in 15 years
Move to a better neighborhood
Continue to cut back
Get Oneal Street rented out
Trees cut in backyard
Floors fixed/replaced
Paint side room
Continue to thin house out

I'm old enough now to realize my errors and how to make them better.  I've cut back enough that I can really see the difference in my income.  My baby is going to grow and get bigger and more money is going to come out.  That's one reason why I must make better choices.  I had a large amount of money and due to paying things off that has been dwindling down.  I still have a little extra, but not what I once had.  Here's the opportunity to make up what was once there.  In due time, it's alright and I know it is.

There are Blessings

Life goes on no matter what.  Bills, expenses, deaths, life, growth, hurt, pains, no matter what life goes on.  I've been looking at this thing called life and tragic as it seems, there are blessings in every aspect of it.  In my life there seems to always be an issue, the summer seems to be the biggest problem that I have.  Money always coming out, robbing Peter to pay Paul is the story of my life.  Through it all there are blessings.  Phone call after phone call, debt collectors constantly calling the house phone and cell makes me feel less of a person.  Yes, this does bother me, but at least I have income coming in.  I don't excessively spend, but no matter what there is always an issue.

Problems:
September bills
mortgage 1300 since I didn't pay for August
Walden 5000

I'm just tired of trying.  Come to find out I only have 12.78 years of teaching.  30 in order to retire.  Can't pay for this Phd program on my own.  Really feel like giving up and that I think I'm going to do.  Don't know whether I'm coming or going.  Whatever I try to do lately ends of failing.  Through it all there are blessings.  I have my health, a handsome baby boy that was unexpected, I'm cancer free, a mother that loves me, a roof over my head, 2 vehicles, I could go on and on.

Even though my finances aren't what I would like them to be there are several blessings that I receive.  I'm going to say thank you for them and I'm ready to receive the ones for my future.

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
Wachovia
US Dept of Education
Tax Lien
Knology

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. 

2010 What will it have in Store?

Making Money

One thing that I can truly say is I know I make money. It is evident I see it. As a matter of fact, I have it in case of emergency. What is funny about that is, I couldn't get to it if after 6 and it may be closed due to the holidays, at least it's there. I have had to pay my own mortgages. All three tenats (that includes my moms) have been late since November. What is really going on? One of my tenants is in jail. I deal with his sister. She had the total for November and December and someone broke in her car while at work. If I am not paid by the middle of January I am filing for an eviction. I know the house is a mess. My other tenant now is a grandmom (twice) has had to make some sacrifices to help her daughter. Things tend to happen at the end of the year.

Seeing What I Make

Looking back over the last year. Again, I know that I have money and where it goes. Yes, I did spend out for the holidays, and it was needed. Yes, I buy things I may not need. I do this because I finally have something to show for something. It feels good to know that I can buy this and not have to worry about overdrawing in my account. Now, what I need to do is pay off the Escalade. Due to Christmas and having to pay my own mortgages, I will have this paid off by January 31, 2010. Liam also needs some brakes. I need to call Firestone and find out exactly what is wrong with Liam.

Writing Leads to Reflexation

Looking back over my books. I write from time to time and over the years, I have always wanted the same things. To own property. I think it is the coolest thing ever. When I think about what it will take for me to get on it, I can't see anything straight through. Ok, let's see: Get with Carrie to find out what needs to be done

They don't erase anything

Find out about those 2 loans that should have been in deferment

Keep credit card below 40 %

Pay down MEA

Save money

Pay off Escalade

Have to put 10% down purchasing price

All over the Place, This is Me

I know this is jumping all over the place, stay with me please. Today, I will take my passport photo. This is something that I have been putting off for the past year. What am I doing? Who am I doing it for? Why am I even here? There is a vast world out there waiting to be discovered. Why not travel, there is nothing else to do. I am not getting any younger. Take the time out to enjoy this world in which we were given the opportunity to dwell. For me, 2010 is going to be about awakening, realization, focus, happiness, peace, enjoyment, and overall life. My place is this world, I may not know, but I am going to enjoy every minute that I am here.

New Job How would that Work?

Changing jobs would be wonderful and what is sad is I don't think I can do anything else. What is even worse is that I know I am worth so much more. Then at the same time am I lazy? I feel that going through the interview process is so whatever. I don't know. I don't want to be the classroom teacher forever and I will not. Taking my last class that I haven't participated in in a few days. Need to be doing something toward my Breadth Component. Thinking of my finances tell me that the Escalade will not be paid off until January 2010, I complete year, wow! Lists work for me.

Escalade January 2010

Saved money 1,000

February 3,000

Pay off Wachovia 2255.57

1,000 left over

March-May 6,000

MEA paid off April

US Dept. of Edu 12,000 Maybe I need to call to inquire about length of time of loan

Purchase house with D

Duplexs/ and more

Scattered Get it Together

This is what is going on with me right now. I am all over the place and need to get it together. This tends to be the story of my life. Slow down, mentally and just all over. I love the person that I am and know I can be so much better. I am not the best that I can be. At least I know that and knowing is half the battle. So today, I start anew. Eating right, focusing and what is important and not the spam, doing right by me. I will also post on my other blogs that I haven't said anything in a long time on. So I will deem this day, a day of renewal. It feel good.

Under Pressure

I will not pressure myself, but the time is not slowing down and in order to achieve my goals I my do what is right. Look toward how I can attain multi unit properties, travel, teach, and live my life comfortably. I am somebody that is worthy of having what I want. Seeing myself with what I want, just block out the spam.

If it's not One Thing It's Another

In my last post, I stated that things are not as bad as they once were. Now, I am begging to differ. Currently, there is a tax lien on my credit report that I was not aware of. Also, there are two undergraduate student loans that need to be paid off so I can qualify for the teacher loan forgiveness program. There can not be any loans prior to 1998 to be able to receive this forgiveness.

Day before yesterday I found out that I didn't meet the requirements to receive financial aid for this term. Turning lemons into lemonade. Not getting financial aid will cut down on the amount of money I will owe once I complete my PhD. On the other hand, this is $4,310 that could be going to something else. The world and it's occurances are something. There are actually three terms in one year. That totals $12,930 a year. I keep telling myself, this is money and interest I do not have to pay out once I am finished.

Credit Reports

Since finding out this news, my mind has been going a million miles a minute trying to sort out my plan of action to pay off my debts. Yesterday, I pulled my credit report and found that I have a 587, 635, and 635. My scores are better than they were without the tax lien.

This is my plan of action:

Pay $2,000 a month of debts for the next year. This will total $24,000. Using that money will allow me to pay off the tax lien in three months. Starting in September, it will be paid off by December. Through it all, I am going to continue paying something on Wachovia and US Dept of Education.

Life Happens

Life happens and it is all up to me to make sure I stay afloat. It is so easy to give up and just fall victim. I refuse to be a victim to my debt. Giving up vacations to pay off debt is a sacrifice and I am willing to sacrifice that money to have financial freedom. Another thing, I have $54,000 in school debt. The funny thing about that is I make about this much yearly.

Overall, I am somewhat saddened by not receiving financial aid. This is the outcome of not doing what is needed at the moment. Thinking about my life and how I have wasted time, energy, and money by not doing something when it needed to be done. No longer can I do that to myself. I am tired of doing this to myself and my money. Maturity is taking place and I am proud to say I am ready for the changes to occur in my life. Sacrifice is what is taking place in my life. I am ready for the changes and the debt will be handled.