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.
Showing posts with label foreclosure. Show all posts
Showing posts with label foreclosure. Show all posts
Friday, January 18, 2013
Saturday, December 8, 2012
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.
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.
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