Getting Older

When it rains it pours.  The summer seems to be a trying time for me yearly when it comes to finances.  I get ahead and fall back.

Things that have happened:
Liam 1200
delivery 1700
Walden 5000
overdrawn in my account

It just doesn't seem to stop.  Put the house on Oneal on HAP and it took the money that I got from my baby shower.  Did I mention that someone has my card number and tried to access it.  They ran .12 in St. Louis to see if I had money on my card.  Luckily, I was overdrawn so it didn't charge.  The perks of being overdrawn.

Now, I have to pay other things that didn't clear for the past couple of months.  For instance, my power bill it's 260, this is two months worth of payments.  Then, I got a bill from my car note stating I owe 460 and that's more than I normally pay for my car note.  What the what?  Something has to give.  Get two steps ahead and fall back so much more.

Overall, I'm healthy.  Did I mention medical bills.  I got my credit report for 1 and my score is awful.  Can't seem to get ahead.  Plus, these student loans are killing me and that's for real.

All I can do is take every day one at a time and do what needs to be done to get things in order.  Did I mention, I want to move the year of me turning 40.  That's within the 15-16 year.  Right now, I need to get everything in order so that I can make that move.

Things that need to be done:
Make a payment plan with Walden
Make a payment plan with mom
Pay off 2 things on credit report
Get Sallie Mae off my back

Life continues to move forward and it depends on how you receive it.  I'll probably be overdrawn this month too in my account.  Robbing Peter to pay Paul, can't seem to get it together.  Always money issues.  Need to keep gas in the cars, food on the table, and be able to survive for the rest of the month.  Plus, I'm on maternity leave and it's going to take money out of check because I don't have the amount of days.  See, it just doesn't stop.  Where there's a will there's a way.

Marybelle only has 15 months left before she's paid off that's a good thing.  Once that's done, that money can go toward something else.  The life of an adult.  You gotta love it!

Here It Is

Things have been working out pretty well.  First, 1010 is rented out.  Good job!  There are little issues with the property, but they are getting fixed.  For instance, there's a hole under the sink, the heater grate needs to be replaced, and the gas meter has been pulled due to a leak.  Now, I have to find a certified plumber to fix it. 

3210 is empty, thank you for that.  There are a few things that need to be fixed and I'm going to get them fixed this week.  I have to go to court to get the rest of the money they owe from 3210.  That's a part of the job that I don't like. 

The issues have been eating out, that is where majority of the spending is done.  I'm trying to work on that.  I had a large amount of money to come in from working the morning lab and Saturday School.  Having a second job within the first one is good.  Making sure I do right by the money is the whole thing. 

There are doctors bills that I have and need to be paid so they don't end up on my credit report.  Checked my credit score and they are awful, the only choice I have is to go up.  Continue to pay off outstanding medical bills that are sitting and build credit.  I have automatic draft for all bills except the water.  Continue to save and put the money in the right place.  Looking to get a secured loan on 1,000.  What could I do with that money?  Pay off a large bill, I did get settlements for a couple of them.  Pay them off and not get anymore debt. 

The whole purpose of this blog is for me to get out of debt and it seems I do while for a moment and something happens.  I can't continue to sabatoge myself, that seems to be what I'm good at.  Falling for the set up.  The money that I'm spending on food could pay off a few bills.  That money put it toward the debt.  Instead of eating out, pay a bill. 

Questioning do I want to continue to live here?  A note was in my door, it was crazy.  Trying to live her until 40, let's see how that goes.   Can't continue to slight myself, I tend to be good at that.  I don't know what my future plans are and that's the problem I'm having getting out of school.  What do I do?  Financial Aid is exhausted.  Had to take out a personal loan for nothing because I haven't made any adequate gains.  Feel like giving up, but I've come to far.  What do I do with this degree?  I don't know.  What do I want to be when I grow up?  I don't know.  I've been teaching for 13 years, will I be a 50 year old business education teacher? 

Where do I go from here?  I love making candles and doing this real estate thing, they both bring me joy.  Have a d r period, in the front of my name has always been a dream of mine.  Will it be a dream deffered?  At this point, my mind is tired of thinking about school.  Once the decision is made there's no turning back. 

Decisions that need to be made
What are my future plans?  3 years, 5 years, 10 years from now
Do I want to continue to stay here?  For how long
What kind of career do I want? 
How will I acquire more properties?
What do I see myself doing?
How can I bring more happiness into my life?
Put the main thing first.
Buckle down and do what's right
Let the new me come out

This year has been filled with experiences and things I will never forget.  I have something that I am sitting on and I'm excited about it.  First, I don't want to let it go.  Do right by the money I have.  All bills are paid and life is getting better.  I'm learning about myself and realizing that everything is going to be alright.  Make sure I do what's right and just and most of all put the money in the right place and don't blow it. 

There's so much to say and I don't know where to start.  My personality is different and overall, I try to stay out of everybodies way if I can.  I have a spirit of expression.  I don't try it just comes out, but I want people to see me.  I said it, see me, here me, notice me, something.  I've been told my spirit is free.  I do want I want because that's what I want to do, not because this is what people are doing.  I'm my own self.  Right now, at a crossroads and don't know which way to go.  I feel like I'm maturing in so many respects, well have matured.  Things that many get upset about doesn't bother me.  Why because life goes on.  I learn, listen and move on. 

Not knowing what's going on or having a plan has caused me to be in school for this long.  No ultimate goal, well, that is to graduate, but no plan after graduation.  Is being a middle school business education teacher my end result?  No disrespect to those, but that seems so mandane, like there's more to lif than that.  Am I lazy?  Looking for a job is hard and waiting.  That another story within itself.  I guess I know the answer to my question, continue to look and apply to different jobs and that's the only way I will get another one.  Can't expect one to fall in my lap. 

Mid-life is serious especially when your learning and don't have a typical life.  As always thank you for reading. 

Do you Know, Because I don't

I have said it before and I will say it again, time keeps moving and it's up to me to make a difference. If you have been following my blog you may realize that I am somewhat scattered from time to time and that is what is going on right now. I don't remember the last time I posted. Well actually, I do remember, but I don't know the date. I am proud of my actions and the things that I have accomplished. Right now at this moment, I don't know whether I am coming or going. I feel that I talk a good game, but I don't actually put it into play. This is why I asked do you know, because I don't. In my mind, I see myself owning 10 properties by the time I am 40 years old which is in the next 6 years. My how time flies. I also thought about quitting my job at the end of the term, but I am not in a financial state to do that. What I have planned is to work another year and save $24,000 by the end of the year. The tax lien that I found out about at the beginning of the year will be paid in full by the end of this year. It is crazy that it has taken an entire year to get this taken care of.

There have been many gains over the last few months and I have been working hard to make it happen. Clarity is what I need right now at this moment in my life. I tried to see about getting a property by February 2010, but my credit score has dropped tremendously. When I inquired about my scores I was told that I can't spend but 40% of my credit card balance. The loan that I took out to pay for school has to be paid down by $2,000. I also have 2 student loans that show up on my credit report, they say that I was behind, but they were in deferment. It seems as if I can't win for losing. Then ontop of all that, I will have to put 3% down on the next home that I purchase.

This is my plan of action:

Pay off the Escalade $4,900

Pay off Wachovia

Save $10,000 pay August 2010

Pass last class

Complete KAM I

Purchase 1 4 bedroom 2 bath

Purchase 1 triplex

In my mind, I am somebody all I have to do is focus and keep the main thing the main thing. See how easy that sends, yet it is so hard to stay focused. Why does the mind tend to move toward the bull? That is where my mind tend to dwell. At this point in my life, I know that I can do and be anything that I want and the time to start is now. Thank you for be a sounding board for me to express myself. To be honest, because of the blog and other experiences I know where my money goes and it has allowed me to save. Thank you again!

I Think I am Getting Fed Up

Hello, it has been a long time coming. This school term is coming to an end. I don't have all of my grades, but in one class I have a 98.8. Hopefully all of my grades are good. Using this blog for my distance education course has been helpful, but it has taken away from my posting on the blog.

Things that have been Going On
Work started back the beginning of this month, this has been really tiring for me. As a matter of fact, I am tired right now. Just getting back into the swing of getting up at 6:00 am, taking a shower, to make it to work by 7:30 am, and be on duty by 7:40 am. Staying at work until 4:00 pm Monday through Friday for 180 days, does take a toll on the body. Not only that, dealing with middle school age children and co-workers can be stressful.

Don't get me wrong, I do enjoy my job and am proud to have one. Teaching for 9 years, the time has flown by. I have said time and time again, that I want another job. Thinking about it, going through the interview process can be more stressful then the actual job itself. To some degree I feel that I can't do anything else. I don't know, it is somewhat discouraging being in a position that you want to change, but don't have the motivation to change it.

Working for 9 years has given me money to do the things that I want. Truthfully, I am not where I want to be. Using My Financial Success has allowed me to organize my finances and be able to pay off my debts and get my bills to under $500 a month. That took time and dedication.

July and August have been very intense months financially for me. There have been some things that I was trying to do, that took away from my savings. Still recouping from that. Also, having to pay for school made a big change in my life. Mentally, I have gotten to a point that I am tired of being in school and really need to do what it takes to get it done. Today ends this term. Now, there are only 3 courses, 3 KAMs, 2 residencies, and 1 dissertation until I am done. So looking forward to that.

Currently, I had to go into my savings, which is fine. Reorganizing my finances has been something that I needed to do for the betterment of me. For the last few years I have been saying 40 retire. Well, that is 6 years from now. I also said that at the end of this school year I would not renew my contract. I don't see that. What will happen is work until school is done. I don't know how long it will be before I am able to receive financial aid. If I am unable to get it I will continue to pay for school. If I am able to get it, I will use it and that will be more money coming to me. That is a true catch twenty-two.

My Bill's
Wachovia $100.00 ($2,555.57)
US Dept of Edu $25.00 (13,402.56)
Knology $ $70.04
Mediacom $93.94
Braces $109.00
Geico
credit card $50.00
tax lien $990.00 ($5,500)

Plans for the Future
Of course, I have to pay for school that is a priority. I also had to borrow money from my mom that will be paid back at the end of this month. I still haven't paid anything on the tax lien. My portion will be paid at the end of this month too. Don't go to the beach this summer. I plan to go for Labor Day just need some type of relaxation.

Sometimes I can't see the forest for the trees. That's neither here nor there.
Walden University: $2,000 per month (October and November)
savings: $2,000 per month (September, December, and January)

Giving instructions is something that I enjoy, but I don't know what the future holds for education nor our youth. The teacher has been tasks with so many objectives that teaching really is the last thing that there is to do. I know I will not put in 25 years in the classroom. I am already tired and school just started. To me, my out is real estate. 10 properties by the time I am 40. There has to be a better way. There is it is just up to me to make it happen.

If this has seemed jumbled or just not fluid forgive me, this is how I feel right now. These are random thoughts that need to be put into action. In the words of Tim Gunn, I will make it work.