Never Could I Ever

Never would I have thought my life would be like this.  Single mother, living in the hood, foreclosure, car issues.  Never would I have thought this would be my life, well it is.  Things could be worse, but my choices have led me to this point in my life.  Letting go of people and situations can and will make my life much better.  Getting through it seems to be the issue.  No, it doesn't feel good.  How can I make it better.  Pray, not hold on to the past, forgive myself and let live.  All of these things are easier said than do.  I've paid off two things that have appeared on my credit report one was for $80 and the other $58.  I'm glad that I'm able to handle these debts.

Now, the student loans, the are really a bother.  I wasn't saying that when my schooling was being paid for.  Don't want this for my son.  It's truly crazy.  The lowest loan is for $1794 and the highest is $16,987.  I owe more than $150,000 in student loans.  I said it and I probably said it before.  This is awful.

In the meantime, I want to save $100,000 in a fifteen years.  In order to do that I must save $555.55 a month to total 6,666.67 a year.  Can this be done?  I think so, it's a matter of doing what's right and not falling short of that.  No extras.  At the same time, I have this debt that must be paid off.

Something that is good is my car will be paid off by the end of the year.  That means an extra $450 will be added to my monthly income.  I'm excited about that.  Will I get another car note?  No, not anytime soon.  That money will go to paying these student loans off.  Still I need to see where I can cut a few more corners.  Where there's a will there's a way.

Determination, motivation, self-support and love all need to be my friends.  I am down on myself because of my past decisions, but overall, I am somebody that had hopes and dreams.  Something along the way has snuffed those out.  I will not be that person, I will get back on it.  There are things that need to be done and in order to do them I have to get in a better place

It Gets Better with Time

Last Friday, I met with a credit counselor and it was free through my credit union.  When we talked, she explained to me that credit history is a story and I told her mine.  With me having thyroid cancer, losing a house, and moving, it is a wonder why I didn't go bankrupt.  She told me that I should commend myself for not going bankrupt.  To be honest, I embarrass easily and last year was a total disgrace to who I am.  Finding out that I had thyroid cancer, having two surgeries in two weeks, and losing my first property took a toll on my character.  Through it all, I made it through.  Finding out that I was cancer free in April and losing the house months later.  Losing the house was maybe the best thing that could have happened to me.  Here I stand to tell you all that life is short and it's up to you to make it through. 

Currently, I live in my property that is left and my mortgage is only $405 a month.  I have a meeting this evening with the credit counselor and I am looking forward to it.  I have been taking account of the money that I spend.  This is a good thing.  I also sent letters to a few of my creditors to see about settlements. 

On another note, there's a property that I am going to do property management for and that is something that I have been trying to do for a long time.  It has been a slow journey, but things are moving forward.  Life is what you make it and I plan to make the most of it. 

No, I'm not perfect and I do make mistakes, but I am on this journey to enjoy my life.  Looking forward to financial freedom and doing the best in this life that I have been given.