Today, I opened up an account with Ally Online Banking and I'm really looking forward to building money with this account. It will not be easy to withdraw money, monthly, I will deposit $250 to build it so I can do some awesome with that money.
There are always so many things going on in my life that I tend to be a little scattered. Hence, why I may not have achieved financial freedom. Go figure.
Needs
Functioning vehicle
Trees removed from my backyard
Back of house finished
Fence fixed
Fascia board replaced entire house
Banking accounts
Kinetic
Navy Federal
Ally: deposit $250 or more monthly
There is really no true focus in my life. There has been something going on where I can not focus. It's really sad. Or is it that I have so many things that I want to get accomplished that it's allowing me to be all over the place.
Goal for the rest of the month
Stop wasting money
Pay off Navient $1017
Cook and stop wasting food
Debts
Navient: $1017 pay off the end of the month
Navient charged off : $11,000 and $12,000 200 monthly
Federal Loan Servicing $3125 100 monthly
Medical: $5683 25 monthly
Allied (Walden): $6447 25 montly
I've ordered some candle wax to make candles for Betty's Only to get that back up and running. That will be a way to make a little more cash. Plus, it's fun. I truly have no organization about my life, that's sad, but I am who I am, and I'm going to be who I be.
Using Digit and Ally will allow me to do the things that I need to do in order to have financial freedom. This has been one of the hardest things I've ever done, but determination is the key to this all. I can do it. I know I can. I checked my retirement account and it's looking pretty good. Along side of my 403b, we will be alright. Adding my Vanguard account and purchasing a property here and there, things are looking better.
Things to do
Continue to make money work for me, putting all extra cash toward debts and saving. It can be done at the same time.
Get rid of things that don't serve me anymore, regardless of what it may be.
Focus
Believe in myself
Never give up
Focus on the good things in my life
Give thanks constantly
Clean and purify my space, surroundings, and mind
get the backyard and house like it should be.
I got this and it's alright! Everything is alright, trust that! Make the subtle changes and continue to believe in myself.
Showing posts with label support. Show all posts
Showing posts with label support. Show all posts
Sunday, June 25, 2017
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!
Monday, May 18, 2015
Making Subtle Changes
Coming to terms with my reality has been a learning lesson and a bunch of other things. I have been thinking seriously about letting go of both vehicles. That means selling them both. The Land Rover (Liam) needs some work and so does the Mini Cooper (Marybelle). Something has to give. We need something that we can fit in comfortably, low gas mileage, and can serve the purpose of us. What kind of car would that be? I don't know, but I know I want to pay cash for whatever that may be. At the same time the house needs to be repaired. I did get a few things done a couple of weeks ago. There are still several things that need attention. The only thing I can do is take one thing at a time.
See what's wrong with the flooring
Get another tree limbs cut (from in neighbors yard)
The major thing is reduction, getting rid of things that aren't needed anymore. My how the pendulum has shifted.
As for the flooring, he's going to have to go under the house to see what the problem is and we go from there. I have to have enough to survive.
Going to have Liam towed today to see what's wrong with him. The towing is free and the consultation is too. That's good, now to see how much it's going to cost to get him fixed. Once he's fixed, I will not drive Marybelle for a while until I have enough to get the seats repaired. I only owe $3283 on Marybelle. I'm so ready to be done with that monthly bill. See what a mid-life crisis will do for you. Bad choices.
During my break:
Get Liam towed
Call student loan companies to see about consolidation and cutting late months
Call First Premier to get another card
Call Greentree to find out about getting rid of 6 missed payments on account
Student loans
I have them, misused them and took them for granted. I'm here now. Do I need to finish my PhD program? Yes. Do I have the money? No. When I finish, my pay will increase by about $12,000 a year. That's about $1000 a month. That would be great. Right now, I don't see how this can be done.
Where there's a will, there's a way. I will continue to pay what I can on these debts and move forward. Going to call today to see what I can do to get these things under control. This is the reason why my credit scores are having a hard time. Live and learn.
I'll admit, I have been down on myself lately and don't know where to turn to make things better. What I do know is I don't need to create any more debt. Get out of the debt I have. Move forward and make things better for the long run. I'll be just fine, we'll be just fine. I believe in myself and this journey that I am on. The first steps are knowing and second is doing something about it. Focus on the problem and make it work.
I got this. Sometimes it seems I don't, but it will all work itself out. Trust!
See what's wrong with the flooring
Get another tree limbs cut (from in neighbors yard)
The major thing is reduction, getting rid of things that aren't needed anymore. My how the pendulum has shifted.
As for the flooring, he's going to have to go under the house to see what the problem is and we go from there. I have to have enough to survive.
Going to have Liam towed today to see what's wrong with him. The towing is free and the consultation is too. That's good, now to see how much it's going to cost to get him fixed. Once he's fixed, I will not drive Marybelle for a while until I have enough to get the seats repaired. I only owe $3283 on Marybelle. I'm so ready to be done with that monthly bill. See what a mid-life crisis will do for you. Bad choices.
During my break:
Get Liam towed
Call student loan companies to see about consolidation and cutting late months
Call First Premier to get another card
Call Greentree to find out about getting rid of 6 missed payments on account
Student loans
I have them, misused them and took them for granted. I'm here now. Do I need to finish my PhD program? Yes. Do I have the money? No. When I finish, my pay will increase by about $12,000 a year. That's about $1000 a month. That would be great. Right now, I don't see how this can be done.
Where there's a will, there's a way. I will continue to pay what I can on these debts and move forward. Going to call today to see what I can do to get these things under control. This is the reason why my credit scores are having a hard time. Live and learn.
I'll admit, I have been down on myself lately and don't know where to turn to make things better. What I do know is I don't need to create any more debt. Get out of the debt I have. Move forward and make things better for the long run. I'll be just fine, we'll be just fine. I believe in myself and this journey that I am on. The first steps are knowing and second is doing something about it. Focus on the problem and make it work.
I got this. Sometimes it seems I don't, but it will all work itself out. Trust!
Monday, May 4, 2015
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
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
Monday, September 16, 2013
Bumps in the Road
As long as you live, there will be bumps in the road. Many times it is done because you aren't living right. Other times, to make you aware of the changes that need to be made. In my world, patience has been working on me for some time now. I said it a while ago, that there is a young lady that is trying to get out. She is her, but things are not as they should be. Not for real. As I stated before, I get close and something tends to happen. I guess that is the thing we call life. So there has to be major adjustments made. Something has happened that has made me rethink things. First, I need to find another place to stay. That is one of the steps and second, it needs to be cheaper than what I pay now.
As you probably remember, my credit has taken a downside and have been working toward making it better. In my mind there is no clarity. There is chaos in most of my thoughts. Nothing is clear and it seems I can't seem to focus on anything.
To be honest, the devil has made me feel some kind of way. That is because I am probably on the verge of a major break thorough. One thing is for sure, I am thankful because out of bad does come good. This has taught me that I need to be more secure and even though I am from that area, it is time for me to move on.
Today, I will look at other options on how I can get things better and move toward being this better person. Yes, it did make me sad, but things could have gone in a different direction. I am better and things will be better.
My situation is not that bad, but it is mine! No one can take that away from me.
Issues:
behind one month on mortgage due to paying for Walden
Sallie Mae behind
Walden owe can't get back in school until I pay for previous term
Liam hose fixed and flat tire
Tired of always being on the losing end. When will I finally get it together?
Sunday, October 5, 2008
Where there's a Will there's a Way
Goals for the month are not that outstanding, but they are things that can be accomplished.1. No overdrawing in my account: I understand how detrimental this is to my financial report cared, but sometimes things come up that are unforseen.
2. Get a will: This is much needed especially with having assets, that I don't want the state taking control of. You can get a template of a will online and take it to the government center and have them file it. Instead of getting a lawyer and going that route.
3. Save money and not spend all of it: This is very important, spending more than I earn is not what's up. Having something to fall back on is a must.
4. Pay off a $50.00 debt on my credit report: I can't believe my credit score dropped. The only thing that needs to be paid is this. I have other things, but they are in good standing.
It is sometimes hard to do the right thing, but doing right by your money is what we all need to do. We wonder why we don't have enough to be able to have that wonderful vacation. All is needed is to budget and not overspend. Make plans and decide how you will obtain your goal. My biggest enemy is myself and I will overcome what is stopping me from achieving my dreams.
Financial Planning
Beachgirl's Budget Blog
EasyBudgeting's Personal Finance Blog
Jaeneen's Favorite Blogs // Budgeting Blogs // BlogCatalog
Continue to do right by your money. Everything you want you don't need! Put your money to work for you! Use is wisely and watch your money change!
Monday, September 29, 2008
Anything is Possible
This weekend I hung out with my friends from college. Everyone is doing good and making positive moves. Mecca Davis is the owner of Mecca's Essential Bath Salts. She brought some with her and everyone was so excited and motivated about her product. What we tend to not do is invest in ourselves. She was interested in salts, she started making them on her own and now she has a thriving business. Something else that I see is that we don't support one another. Other cultures help each other and send people to them for support. What I want to see is us networking and supporting one anther's goals and ideas. I have many friends that are being creative and stepping outside of the box and doing things that they enjoy. Thank you to those that read my blog and take notice to what I have to say. 
Raquel, it was my pleasure meeting you. Ladies as always, I enjoy your company and love spending time with you catching up on all the great things that have happened in your life. We are maturing and making great advancements. Being stagnant is not an option.
Today, for you, take time out of your busy schedule and give thanks for your successes and downfalls, because without them you would not be the beautiful individual that you are today. Learn from your mistakes and the mistakes of others. This weekend I learned that there is more to life than the now. Make things happen and do things differently. Don't wake up one day and say where did all the time go. Be adventurous and step out of the box.
Some things that will help you get it together:
Do a self assessment to find out what you are interested in.
Make a poster of things you are interested in.
Explore your future.
Prepare for the worst.
Step out on faith.
These are the links to my wonderful friends sites. Everyone is doing great things and you may be able to learn from them. If not support their endeavors. Enjoy!
Grow, Build, Prosper, and Mature! Thanks All!
Tuesday, September 23, 2008
It is Never Too Late
Today, I started a 403b with my job. I had one before with Valic, but haven't been contributing to it for a while. As a matter of fact, I just borrowed from that one earlier this year. I am currently paying it off. Valic is owned by AIG and the government bailed them out not to long ago. Will Valic be around for the next few years? Who knows? Especially with the way the economy is today. My plan is to continue to invest in my 403b and add 100.00 more yearly. I am so behind, but it is better late then never, right?I think it is a good idea to diversity. Have funds built up in a variety of areas. I am learning and know that where there is a will there is a way. I am 33 and not getting any younger. I will continue to learn from others and put my best foot forward.
I also went to put in an application at one of the junior colleges in the area. Let's see where that will go. Extra money is always great. Making money online is also another option too. How to do that? I put this site on http://www.feedburner.com/ and I need to optimize it. I know it takes a few days for sites to crawl. It's funny how many have made money online without any efforts. What's the problem? Is it me? I will continue to do my best and put money in the right places. Do right by my houses, get a cd, continue to invest in my 403b, and learn more about the stock market.
Overall, I want to be comfortable when I get older and before then. I want to enjoy my life and be able to have the things that I want. I also want to help others have there dreams. If I write something that will help you, I have done my part.
Below are some random sites that you may find interesting:
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