Things are the same, yet so different! Am I debt free, no! Have things changed, yes and no! Am I in a better place, yes! I'm glad that I am learning as I go and still making things happen. Have we moved, no! Are things in place for moving, yes! What have I done in order to make things better? Monthly purchasing items to help with fixing the house. These things must be done before moving is a go. Been sick and tired for years! What's funny is I've had this blog way before people starting blogging. Now there are a ton of blogs and podcasts that support Financial Independence. This is great and I am still learning. I'm excited that there are so many people that have achieved financial independence. With social media we (people) are sharing their financial experiences and letting others know: Yes, I'm in debt and I am doing what it takes to get out of it.
Over the years, I have gained 3 more credit cards and working toward handling my student loans. Which are a thorn in my side. Learning as I go! I have opened a Vanguard and Fidelity accounts, started slowly, I'm really glad that I did that. In my mind retirement is right around the corner and I have to be ready to get things together.
At this point in my life, I am ready to make things better. That I have been trying to do all along.
Debt
Fed Loan Servicing
Capital One $3,499
Navy Federal $1827
Credit One $333
Goal: All of these will be paid off be December 31in the mist of that, continue to purchase items to get my house together. What is wrong with the house? The floor has dropped in the kitchen.
Order of doing things
Plumbing fixed under the house
floor lifted in kitchen
kitchen outside replaced
fascia board
house painted
privacy fence
Life happens and I do get down, but I am not this person that spends, spends, spends. 44 is right around the corner and I want to make things better for us. Small steps equal big results! Sick and tired of being in this place. At times, I feel like I can't get it together, but it has to happen.
I'm excited that I'm learning about the stock market and sharing what I have learned with others. It will get better. Plus, I'm behind, I wanted to have moved before my baby turned 5 well that was this summer. Better late than never.
Good things
No car note
Showing posts with label growth. Show all posts
Showing posts with label growth. Show all posts
Friday, August 23, 2019
Tuesday, May 8, 2018
5 Years and Counting
Life happens and it's all on how you handle it. This has been my reality for years now. I know what to do, but life happens and there's nothing you can do about it. Depression is a serious thing and I think I have been in it for way to long. Doing things to make me feel better that wastes money. When I think about the money and time that I have wasted with nothing to show it makes me want to do better. Doing better is the thing, what must I do to do better?
Looking at my home, I am blessed. Waking up daily, I am blessed. I have a career, I am blessed. With my financial success, I haven't been taking this blessing to heart.
Last year I opened up an account with Ally. I am glad that I did, overall, I didn't save like I should have when I first started teaching, but it's better late than never. As of now, I have about $250,000 worth of debt. Majority of it is my student loan for a degree that I never completed. The story of my life it seems.
This is the breakdown of all of my financial issues:
First Premier 435 (paid off June 2018)
Navy Federal 1770 (paid off September 2018)
Capital One 2334 (paid off November 2018)
Receivable Management 5104 (paid off by December 2018, 250+ a month)
Federal Loan Servicing 194,000 (December 2023)
Yes, I have charged up my credit cards. Plus, I am going out of town the end of the month. That has to be covered. I'm tired of not doing right and always being behind. Something has to give. As for accountability, this is something that I need to work on.
Going back to the depression thing I don't want to do anything, not even organize the house. I'm tired of being sick and tired. No exercise, no eating right, nothing. My posts are always scattered due to my mind bouncing all over the place. It seems I am always behind. Always. There's always something to do, but I don't want to do it. Nothing. Sometimes I question my mom abilities. Don't get me wrong I do what needs to be done, but for real I could be better. So much better.
There are things that need to be done in the house:
fascia board replaced again
house lifted
floor in kitchen, dining room, and front room replaced with pergo flooring
new cabinets in kitchen
house painted
fence replaced in backyard
As I stated earlier, I have an account with Ally. I withdraw money from the account monthly, which in no way shape, form, or fashion is that ok. Because it's not. Today, I have 1900 in the account. Monthly, I will add 500 to the account, by the end of the year there will be 5435 in that account. I will either use that money to pay off something or continue to let that money grow.
Marybelle just got out of the shop, that was $500. I'm glad that I had the money to pay for it. Again, life happens. There's always something. This is what living is. Also, been working on something that I wanted to do for a long time. I started and stopped. Now it's time to pick it back up.
Life is happening all around and no matter what it is not going to stop. Using my credit cards hasn't helped, but I will get it together. 11 years until I can retire and at this point I'm ready. Having a little boy changes things. Making sure he has what he needs is hard, but I was giving this opportunity and I'm going to make the best of it.
My goal is the save and get out of this debt. It is hard, but it will be worth it. I'm only human and making the best of it.
Looking at my home, I am blessed. Waking up daily, I am blessed. I have a career, I am blessed. With my financial success, I haven't been taking this blessing to heart.
Last year I opened up an account with Ally. I am glad that I did, overall, I didn't save like I should have when I first started teaching, but it's better late than never. As of now, I have about $250,000 worth of debt. Majority of it is my student loan for a degree that I never completed. The story of my life it seems.
This is the breakdown of all of my financial issues:
First Premier 435 (paid off June 2018)
Navy Federal 1770 (paid off September 2018)
Capital One 2334 (paid off November 2018)
Receivable Management 5104 (paid off by December 2018, 250+ a month)
Federal Loan Servicing 194,000 (December 2023)
Yes, I have charged up my credit cards. Plus, I am going out of town the end of the month. That has to be covered. I'm tired of not doing right and always being behind. Something has to give. As for accountability, this is something that I need to work on.
Going back to the depression thing I don't want to do anything, not even organize the house. I'm tired of being sick and tired. No exercise, no eating right, nothing. My posts are always scattered due to my mind bouncing all over the place. It seems I am always behind. Always. There's always something to do, but I don't want to do it. Nothing. Sometimes I question my mom abilities. Don't get me wrong I do what needs to be done, but for real I could be better. So much better.
There are things that need to be done in the house:
fascia board replaced again
house lifted
floor in kitchen, dining room, and front room replaced with pergo flooring
new cabinets in kitchen
house painted
fence replaced in backyard
As I stated earlier, I have an account with Ally. I withdraw money from the account monthly, which in no way shape, form, or fashion is that ok. Because it's not. Today, I have 1900 in the account. Monthly, I will add 500 to the account, by the end of the year there will be 5435 in that account. I will either use that money to pay off something or continue to let that money grow.
Marybelle just got out of the shop, that was $500. I'm glad that I had the money to pay for it. Again, life happens. There's always something. This is what living is. Also, been working on something that I wanted to do for a long time. I started and stopped. Now it's time to pick it back up.
Life is happening all around and no matter what it is not going to stop. Using my credit cards hasn't helped, but I will get it together. 11 years until I can retire and at this point I'm ready. Having a little boy changes things. Making sure he has what he needs is hard, but I was giving this opportunity and I'm going to make the best of it.
My goal is the save and get out of this debt. It is hard, but it will be worth it. I'm only human and making the best of it.
Wednesday, December 13, 2017
2017 is Almost Over and What Will 2018 Bring?
This year has been full of many positive things.
For instance:
For instance:
- several student loans have been paid off
- increase on both credit cards
- one credit card changed from a secured card to unsecured
- credit scores have increased but stayed the same
I see what needs to be done and it's time to do it. Tired of being in this RAT RACE. There has got to be a better way. I've learned many things on this financial journey and all I have to do is continue to grow and build from what I already know.
I've purchased:
- Roth IRA
- Traditional IRA
- Vanguard Account
Having 12 years until I retire has really put many things in perspective for me.
Things that need to change or get fixed:
- new front door
- security door
- hot water heater fixed
- sink replaced in kitchen
- drip in sink in bathroom
I've been driving my moms truck since April, it's sad because I have 2 cars and both of them have the same issues which is electrical. There has to be a better way! It seems I get close and things just fall apart, I guess this is what you call living.
For 2018, these are my goals.
- Pre-qualify for a new home: 3 bedroom/2 bath/ 2 car garage and much space
- 2009-2012 Chevy Tahoe
- Move from Fisk
- Rent out Fisk with a Property Manager
- Oneal Street Property Manager
- 2 more student loans paid off
- saving $1000 a month
- travel some place once a month
- increase monthly payments to IRAs
- Get our passports
There are so many things that need to be addressed in my life and all I can do is work to make it better. Yes, I get emotional and hold on to past mistakes, but what for? It really serves no purpose at all. I'm 42 years old and still growing and learning how to be better. My life isn't a mistake and the only thing that I can do is work to be a better version of myself.
I'm thankful for everything the good, the bad, and even the ugly. This journey isn't for not. I'll continue to grow to be better.
Monday, June 20, 2016
All I Can Do is Live
I had to realize that I have not been in a good place for a really long time. Chaos all around. In my mind, home, car, job, life, social interactions, chaos. Stepping back understanding the problem and working towards making it better.
The house looked as if it had thrown up. Things everywhere, clothes, things, all over the place, no order, none. I started in the back of the house and thinned out. Got rid of clothes, shoes, papers, things. Moved things around. I also started to decorate. I have been in the house for a long time and I haven't enjoyed it. Haven't made it comfortable, home. I know these things don't matter, but they add warmth to the space. You can actually walk throughout the house and nothing is on the floor. Everything has a place. More or less. It feels good to finally have a clean home.
In the meantime, during the decorating, I have been redoing each room. My room is done. Now the guest bedroom. It had to be Kilz. That was done today. Tomorrow, it will be painted. Looking forward to it. Once that is done, the carpet will be removed and the hardwood sanded and varnished. There will be a full sized bedroom set put in there.
Next, his room will be done just like the guest bedroom. Finally, the carpet will be taken up in the hallway and the hardwood done too. Making the space comfortable while I'm here and ready for the next tenant after I leave.
The front of the house is going to take the most work. The floor has shifted in the kitchen. There needs to be a new counter top and cabinets. The floor needs to be done too. I didn't mention a backsplash. Something pretty. The front room carpet needs to be taken up and floor under needs to be fixed. There's a hump in it. Not too sure about what type of flooring I would like for that room. Will have to think about that.
In the front yard, I planted a flower garden and it is really pretty. They are perennials so they will come back every year. Slowly, but surely I am appreciating the things that I have done in my home. It is mine and it might as well be what I want.
As far as my debt, I haven't done anything with it. It is still there. I haven't checked CreditKarma. Nothing.
Student loans
Medical bills
I have been spending money on nothing really, but not on what is important. Not at all. What is the problem? I just don't feel like doing what it takes to get out of this financial turmoil that I have gotten myself into.
What I told myself is that I would look at CreditKarma and see where I stand.
Contact all debtors and set up payment arrangements
Continue to save $1000 a month
At the end of the year, I wanted to purchase a new car with the money saved. Purchase land, pay off debt, put it toward my mortgage. I really don't know what to do.
What I can do is put $400 toward my smallest debt in July. This will allow me to get something paid off in at least 2-3 months.
Life is about learning from your mistakes and doing what it takes not to repeat them. I created this debt and it's up to me to eliminate it.
Plus, I got a part time job. I do enjoy it. That helps. Focus is what I need and having a clean home does help. I know that moments matter, but they fade away. I must do what's best for me!
The house looked as if it had thrown up. Things everywhere, clothes, things, all over the place, no order, none. I started in the back of the house and thinned out. Got rid of clothes, shoes, papers, things. Moved things around. I also started to decorate. I have been in the house for a long time and I haven't enjoyed it. Haven't made it comfortable, home. I know these things don't matter, but they add warmth to the space. You can actually walk throughout the house and nothing is on the floor. Everything has a place. More or less. It feels good to finally have a clean home.
In the meantime, during the decorating, I have been redoing each room. My room is done. Now the guest bedroom. It had to be Kilz. That was done today. Tomorrow, it will be painted. Looking forward to it. Once that is done, the carpet will be removed and the hardwood sanded and varnished. There will be a full sized bedroom set put in there.
Next, his room will be done just like the guest bedroom. Finally, the carpet will be taken up in the hallway and the hardwood done too. Making the space comfortable while I'm here and ready for the next tenant after I leave.
The front of the house is going to take the most work. The floor has shifted in the kitchen. There needs to be a new counter top and cabinets. The floor needs to be done too. I didn't mention a backsplash. Something pretty. The front room carpet needs to be taken up and floor under needs to be fixed. There's a hump in it. Not too sure about what type of flooring I would like for that room. Will have to think about that.
In the front yard, I planted a flower garden and it is really pretty. They are perennials so they will come back every year. Slowly, but surely I am appreciating the things that I have done in my home. It is mine and it might as well be what I want.
As far as my debt, I haven't done anything with it. It is still there. I haven't checked CreditKarma. Nothing.
Student loans
Medical bills
I have been spending money on nothing really, but not on what is important. Not at all. What is the problem? I just don't feel like doing what it takes to get out of this financial turmoil that I have gotten myself into.
What I told myself is that I would look at CreditKarma and see where I stand.
Contact all debtors and set up payment arrangements
Continue to save $1000 a month
At the end of the year, I wanted to purchase a new car with the money saved. Purchase land, pay off debt, put it toward my mortgage. I really don't know what to do.
What I can do is put $400 toward my smallest debt in July. This will allow me to get something paid off in at least 2-3 months.
Life is about learning from your mistakes and doing what it takes not to repeat them. I created this debt and it's up to me to eliminate it.
Plus, I got a part time job. I do enjoy it. That helps. Focus is what I need and having a clean home does help. I know that moments matter, but they fade away. I must do what's best for me!
Wednesday, May 20, 2015
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.
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.
Tuesday, August 12, 2014
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.
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.
Thursday, August 15, 2013
I'm Only Human
It seems that things always look good and life happens. I can't seem to win for losing. I'm overdrawn again in my account. There's money in other accounts, but I can't touch that cash. There are several financial issues that I am having right now. Overall, I have a roof over my head and I have my health. Regardless, my finances are not like I they should be.Every time I get ahead, I seem to mess something up. I have cut back, no cable, no eating out, no this, no that. I can't seem to get it right!
I'm almost at the end of my educational journey and here it goes again. Exhausted all of my financial aid. Took out a personal student loan. Didn't realize that the rules didn't apply to loans being deferred if still in school. Due to this, I am behind and my mother co-signed for me and this has lowered my credit score and hers too. Constant phone calls, emails, it's bothersome! I paid for school and didn't pay mortgage. Now, I'm behind on everything.
When I get paid, I'm already overdrawn in that account. So very sad! The more I try, it seems the further I fall behind. The story of my life it seems!
September's Check
mortgage, car note, t-mobile, Walden University, travel for 2 nights, tags, tickets
Take every day one at a time and do what I can with what I have. Whenever I try to save, something always seems to happen.
Another thing, I have no motivation to get the things done that I need to. So very sad, the more I try, the more things tend to happen. Complaining, no I'm not, venting is the correct term to use.
All I want is to have money for the things that I want to do. I want to be able to have money for my bills and anything extra that I want or need. Really all of my needs are met and I am happy, don't get me wrong! Tired of falling short and not having the things that I need, that would be called a struggle. I feel I'm too old to be having these issues. No, I don't have children and it may be a blessing that I don't because I can't seem to get it together.
Future Plans
Save enough money to buy another house
Get my house together
Sell candles
Be motivated to get things done
Remove carpet replace with tile or wood, cheaper would be the tile
Stop Complaining
Life is good, I have my health
Continue to pay off debt
Get caught up with bills
work on getting the house straight
put up a few dollars monthly and don't pull from it
Learn as I go and work things out. It will get better! Continue to do what I can with what I have!
Take every day one at a time and do what I can with what I have. Whenever I try to save, something always seems to happen.
Another thing, I have no motivation to get the things done that I need to. So very sad, the more I try, the more things tend to happen. Complaining, no I'm not, venting is the correct term to use.
All I want is to have money for the things that I want to do. I want to be able to have money for my bills and anything extra that I want or need. Really all of my needs are met and I am happy, don't get me wrong! Tired of falling short and not having the things that I need, that would be called a struggle. I feel I'm too old to be having these issues. No, I don't have children and it may be a blessing that I don't because I can't seem to get it together.
Future Plans
Save enough money to buy another house
Get my house together
Sell candles
Be motivated to get things done
Remove carpet replace with tile or wood, cheaper would be the tile
Stop Complaining
Life is good, I have my health
Continue to pay off debt
Get caught up with bills
work on getting the house straight
put up a few dollars monthly and don't pull from it
Learn as I go and work things out. It will get better! Continue to do what I can with what I have!
Sunday, December 9, 2012
DIY, is Totally for Me
 |
| borax, washing soda, baking soda, and grated soap |
Another thing, I feel much better about my past and the things that took place. I had to go through to learn and get in a better place. Everything is alright and things happen for a reason. I am learning how to manage and not worry and stress over things. Yes, money is important, but it doesn't equal happiness. Life, joy, and love are wonderful aspects of our lives and we tend to push it away for crazy things. Now, it's time for me to make a difference and put myself first and manage my life.
It will be a journey that I am willing to take. Tired of being in that place that I was once in, not knowing what to do to make things better. Pay off all debt, not incur anymore and put all extra cash toward debts. This will not be done in vain.
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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