Been Thinking Earlier Today

Almost finished moving everything.  I decided to leave the refrigerator and stove in the house.  If someone comes and steals it so be it. 

There are a few things that I have discovered throughout all of the things that have been happening!

1. Attach to nothing
2. Slow down, don't make the first decision that comes to mind.  Sleep on it and come up with a decision the next day.
3. Worry not, things have a way of working themselves out
4. Let people help me
5. Shop around.  Don't always jump on the first one.  Get bids, don't just tell them they have the job
6. Stop spending so much, take my time in making decisions
7. Be honest

What will happen is going to get a for rent sign and put in the front of the house.
Write letters to the mortgage company asking for a better interest rate and a grace period
Disconnect the utilities, all of them

As I come up with ideas I will post them.  To some extent I think I am crazy, but not as crazy as others.  Will work toward purchasing these properties and keep it moving.  Thanks for reading!

What Am I Doing Wrong?

This is everything that is happening in my life! 

First, been paying attention to the way things have been working out.  I have had cash 3x over and spent all of it.  On what?  Your guess is as good as mine!  Need to step outside of self and see what is really going on.  In my own opinion, I have taken on more than I can handle.  Getting this house fixed has cost more than I thought it would.  The guy I have working for me doesn't have transportation, therefore, he doesn't have the cash to buy his own materials.  Out more money there.  The positive side of that is he is finding things that are wrong and letting me know and fixing them.  The house should have been rented last week, not an options. 

The house that I moved my stuff into, got broke in.  So, I had to move everything yesterday.  They only took the television (flat screen, of course).  Plus, the neighbor had a video camera and caught them walking with it down the street.  Maybe the cops can decipher who it is.  Also, the money that they got from the tv is gone.  What is the world coming to?  Most of my stuff has been removed.  The only thing in the house is books, stove, refrigerator and some other things.  I did get storage, so that is a good thing. 

I thought that one mortgage payment wasn't paid, but she paid me in advance for this month.  Right now at this moment, I am going toward zero.  Supposed to close on the house at the end of the month, but I don't think that will be a good option.  Being that I owe

Suntrust 2x
Bank of America 2x
Person working on house $300
Materials to fix house
Power bill $400+ (of course this is late and I need to transfer service to Fisk to complete repairs)
Water bill
Marybelles car note $500
Marybelle and Liam's insurance $133

I am sure there is more that I owe, but looking all of these bills comes close to $4000, that I don't have.  Plus, I am supposed to close on the house at the end of the month.  As I and you can see that isn't going to be an option.  Make the first thing first,

Make sure there's enough money to cover car note
Pay person working on house
Get property manager to put the power in her name (will not have to pay late fees)
Pay the water bill
Let guy know that I still want to purchase home, but can't due to other obligations
Get Fisk situated and rented out
Move all stuff from other house

As things started to crumble in my face.  I realized that there are some business things that need to be taken care of, for instance, all of the properties need to be under one umbrelle.  Meaning there needs to be an LLC formed so that in cause of emergencies no one can take them away from me.  No co-mingling which I admit, I have been doing the entire time.  That is not a good way to go.  I will admit, I am not doing what is best for my properties.  It seems the better things get the worse they get. 

As far as the house that I moved out of, there were signs and my mind was not in a good place to recognize that.  For instance, I looked myself out of the house twice last weekend.  That was a sign and didn't see it.  Not dealing with the properties, but when going to work, I haven't been dressing up, just getting by.  All of this has to stop.  Today, I will make the most of what I have and make the main thing the the main thing.  Write letters to the mortgage companies to inform them that I will have the mortgages paid by the middle of next month.  Stop spending unnecessarilty.  I will admit, most of the money I have been spending has been going toward eating out.  Living between to homes is not a good thing. 

On a good note, me moving will save money and allow me to get caught up on all of these bills that I owe.  I have taken on more than I can chew.  Once things are caught up
Put all houses under an LLC
Apply for business license
Let tenants know there will be someone coming by every 3 months to check on the houses to make sure things are working probably.
Put money in the Suntrust Account and use that for business
Slow down

In some aspects, I feel like a failure, but I know this isn't the case at all.  I am being worked on and no one did this but myself.  Now all I have to do is remove myself from these situations and make the main thing the main thing.  Right now, the main thing is getting Fisk up and running.  In doing so, that will bring in cash that I didn't have.  I know that this too shall pass and when I get on the other side of this I will be in a better place.  Things happen for a reason and this is happening to let me know that I have taken on too much. 

Writing/typing has made me see things in a different light.  It has made me feel better about my situation.  There is light at the end of the tunnel.  I am not the first and will not be the last to get in this type of situation.  I will be alright.  So first things first, write letters to mortgage companies to let them know I am aware of the late fees and will pay them as soon as I can. 

It doesn't seem like I will ever achieve financial success, but these are the roads to make it work.  Everything will be alright in a few months. 

This Too Shall Pass

Things are happening so fast and when something gets fixed something else goes wrong. What is the problem? The house on Fisk has a terrible problem. It is not that bad because it can be fixed, just now it's going to cost more than I anticipated. The life of a property owner.


Issues on Fisk
The entire wall has to be replaced in the bathroom
Plus some of the floor
The water pipes are leaking in the bathroom which is connected to the kitchen need to be replaced
Floor in kitchen has dropped has to be replaced

Ontop of all that, the next door neighbor has been complaining about the trees in the backyard. I removed limbs that were on this shed. There are still some hanging over the shed, but not on the house.

Not worried about anything. Tomorrow is my birthday, I will be 36. Looking toward making my life better, making the right decisions and bettering myself. There is truly nothing wrong. I may have bit off more than I can chew, but one thing I realized. Will this matter this time next year? No, because if not in Septemember the house will get rented out.

Last night, I sorted out my plans to see how much money I actually spend out every month. I am not doing the things that I need to to ensure that Financial Success will be mine. That is all changing! Taking my time to sort out the important things. I have goals and in order to achieve them there have to be some drastic changes to be made. I will make them and keep it moving. I will look back and so I have achieve the goals I have set for myself. No need to be upset and angry for the mistakes that were made in the past. Correct them and move on.

Also, looking to form a LLC for the properties, must seperate the finances and move from being a landlord to a business owner. The LLC will be WJJ properties.

Blessings Come in Disguise

Yesterday, a friend invited me to her house.  I didn't know why and to be honest, I wasn't going to go because I was tired and needed some me time.  Of course, I went anyway!  The purpose of her inviting me is that her son and his family was in town and she didn't want to be there with people she wasn't that familiar with.  She invited me and another one of her friends.  I have seen her before, but never engaged in conversation.  Yesterday was different.  We talked and come to find out she has properties too.  She older then I and didn't get her first property until she was 40.  To be able to talk with someone that has the same interests and more knowledge is a blessing.  We talked for hours, and she gave me insight on things that I need to do to better my game.  She told me that at this point, I am just a landlord and now I need to move toward being a business woman.  I am so thankful for this advice!  That truly was a blessing that I didn't see coming.  I receive it and will make the changes she suggested. 

Suggestions
Find the best free checking account with the banks I am affilliated with
Get one checking account for real estate and see if I can get a credit card
Get an LLC
It may be cheaper to put all properties under one insurance company
Get title insurance for properties that are being owner financed

She gave me her number to call.  Not going to be overbearing, so excited about what I learned!

The other day when I posted, I was not in a good place.  I was uptight and nervous about my financial obligations and decisions.  In my mind, I have sorted out what are the best options for me at this time.  For instance, I have Ike coming to redo the entire house on Fisk.  There is a for rent sign up in the front.  I went over there yesterday and sprayed while Wilfred put the deadbolt on the door.  That is something I need to do daily, spray until the house is clean of roaches.  Overall, the house isn't messed up.  She smoked so it has to be painted, the tile in the bathroom needs cleaning or replaced, the is a running spot on the carpet, and just cleaned to make it liveable.  This should be done by the end of August.

My house on Colorado, I gave him an option of allowing me to pay him a monthly payment since he was losing money on the house and take it off of the asking price.  He said he would have to think about it and probably redo the contract.  In my mind, why redo the contract when we just change these things later.  Then I had time to think with a clear mind and decided that that wasn't a good choice.  The reason being is that there are many things that need to be repaired on the house on his end.  I am purchasing the home owner finance and he hasn't checked my credit score or anything and my monthly payments will only be $500 a month.  Plus, the property in the back rent will come to me.  Then the house under the hill once I get that up and running that money will come to me as well.  Back to what I was saying, I am not living in the home.  My stuff is there and I am moving things around, putting stuff up, finding out what works and doesn't.  The reason I changed my mind is that many things that he said worked doesn't.  I don't want to close on a house that isn't totally functioning the way is should.  Be it that he doesn't live in the city, he hasn't had time to fix the things he said he would fix.  With me plugging things up, I found out that the dryer electrical plug doesn't work.  I had the cable installed and where the line is coming in that electrical doesn't work.  The front door lock needs to be changed and overall all the outlets need to be working before we actually close.  I am aware of the things on my end that need to be repaired.  Another thing, the hot water heater doesn't work, it is missing a key component.  I scheduled an appointment for the gas to be turned on, but it couldn't because something is missing from the unit. 

Tomorrow, there are many things that I need to do to make things better.  Thanks to the advice that was given.  Really needed and appreciated!  Changes are coming and they are for the better.  I will take my time to get things done and not beat myself up for the mistakes I have made in the past.  It is gone now and I will do better with what I have. 

These are videos of the houses.  Like I stated, they need work and I will make it happen. 

As I stated, I was in a bad place the other day, but now things are better.  My mind is clearer and there is focus on doing bigger and better things.  I can and will be successful!

Continue to Make the Same Mistakes, but Keep Moving Forward

For the past few days I have been in a kind of odd place.  My emotions are under control, but I can't seem to focus on the things that are important.  I have made many changes and paid off many of the debts I owe.  There is another issue at hand.  Many of the habits that I had have ceased and that is a wonderful thing.  Don't really like talking on the phone anymore.  I would rather text or send a message on Facebook or Twitter.  Overall, I guess, I have downsized my surroundings. 

I moved into the new house, but I am not living there.  There are some things that need to be fixed before I can actually live there.  Well, to be honest, we haven't closed and I don't want to be living there without having completed our contractual agreement.  As I stated in a previous post, I finally realize that I have money so that means that I go to the ATM and withdraw money for no reason. 

On a good note, these are the good things that I have done

Paid off all utilities from Parkchester

Paid for speeding ticket

Paid car note for Marybelle

Bought paint for my new residence

Got front of Fisk organized

Things that I need to do

Get new house fixed to move in

Get Fisk straight for someone to move in

Get heater taken out of Oneal Street

Squirrels in house on Parkchester, get hole fixed

Save $5,000 so that I can close

Pay rent for Fisk and Parkchester

Get tenant for Parkchester

Frustration was my friend the yesterday, I felt like I have taken on to much.  Like everything in my life I am my worst enemy.  Had the money spent the money or wasted it.  No need to worry, because tomorrows coming regardless.  This moment will pass and everything is going to work itself out. 

These are just my thoughts and me venting.  On my journey to owning 10 houses before I'm forty.  There are many good things that I have accomplished, but there has to be more and it will.

I'm Moving On UP

Things are looking up for me at the moment.  Life is great and I am finally making progress toward the things that I want to do.  I am so proud of myself and I have been smiling now for the last couple of days.  Who would have thought?  To be honest, this entire summer has been filled with many mixed emotions.  Crying, not working on my PhD, eating, and doing other things in excess.  I forgot to remember that all things need to be done in moderation.  To account for the excess, I have a cold nodule growing on my thyroid.  I have an appointment tomorrow to find out if or when I will have surgery to have it removed.  One way or another, it has to be removed.  There is no worry in my pertaining to this situation.  All things happen for a reason and I do believe this is the outcome of all the worrying I have been doing over these past two months. 

In the process of purchasing the three houses for $48,000 with $5,000 down owner financing.  The main house I will be living in that.  Never have I lived in a house that I have owned.  This is a big step for mankind!  The house in the back is already rented out.  With my other home and the one in the back, I will not have to pay my own mortgage.  So very excited, really not trying to pay a mortgage out of my own pocket since I haven't paid one since 2000.  That wasn't a mortgage, that was my rent. 

Once this purchase is complete, I will have a total of 5 homes not to include the one I manage for my mom.  There is a for rent sign out here now, I do think I have someone to move in for $450 a month.  The move in cost will be $900.  I can use this money to pay my mortgages, fix up the houses, or use toward my $5,000 deposit.  Trying to decide which of these is a better option.

On the downside of things.  I made a big purchase last month.  I bought the Mini Cooper, the car of my dreams.  Why?  Because I was bored and felt like many things were missing from my life.  I know that financial purchases don't satisfy that emotions, but it felt good to step out and do something that I wanted to do.  Now, I am feeling it.  I ran into a few financial issues. 

Speeding Ticket
Tag for Marybelle
Marybelle's car note (mini cooper)
Power bill
water bill
ADT
First Premier
TMobile
Closing on the houses

Did I mention the bills from the other house?  Now the only other thing to do is organize my next steps.  Haven't worked on anything pertaining to my PhD and time keeps on moving. 

Next steps

Prepare to move
Pay the bills

I am working toward being a better person and achieving all of my goals. 

Days Go By

Here I am laying on the floor with the television on mute, just being. I love my friends, each and everyone of them. They all have something different to bring to the table, and yet they are all honest and truthful about who they are and how they view things. I am thankful to have them in my life. It is going on two years of a complete change in my life and I still haven't come to a good place with it all. Regardless, there are still some major changes that need to be made for other things to enter my life.

I feel like something has been snatched away from me. My motivation, spunk is gone. I have mentioned being afraid of success and that I am. Constantly beating myself up for not being this person that I think I should be. What am I afraid of? Only I can give the true answer, but is it one that I am afraid to reveal even to myself. That is an interesting question. Khristy told me today that I should be open to receive all of the blessings that are out there for me. Is it true, that I could be blocking my own blessings? Am I afraid to receive what is truly out there for me?

No matter what, I get that I am not your typical 35 (soon to be 36) year old woman. There are many things that seperate me from the masses. I am a different breed of lady. And yet I don't know what I deserve or want out of life.

Remember I was supposed to have close to $10,000 don't have it, bearly have $5,000. Be thankful for what I do have. Ontop of all that, I am going to New York for a family reunion. I sent a request out of Couchsurfing, hopefully she will respond. I haven't gotten my ticket yet either. Did I mention, I have to rent a car too. It never stops.

Everything will be alright, where there's a well there's a way. Random thoughts, thought I would share.

Cheers

My 100th Post: Things Happen For a Reason, Eventhough We May Never Know Why

Wow, really 100 posts, I can't believe it. Many things have ocurred since the last time I posted. To be honest, I don't remember what that post was about. Currently, things are moving forward. Haven't really done much. Living is what I've been doing. I will admit that I have been spending unnecceraliy. It is awful.

I tried to purchase a Mini Cooper, but my credit was bad, due to paying the mortgages late and having a couple of doctors bills. Like always, my credit isn't bad for real, the only things I have on it or my student loans, the mortgages, and a few loans that are paid off. I forgot about the credit card that only has a $300 limit.

There are a few bills that aren't needed for instance, internet on my phone. I can't get all sites and it is a waste of money. I do use it from time to time, but not as much as I am paying for. Been on a few trips here and there. I did invest in myself by going to a residency in Houston. The most expensive part of the trip was the plane ticket.

Last year, I was trying to get these houses for $45,000. That is in the works, but he went up on the price. Awful, but the process has gotten started. Realizing that I am not getting any younger. There has to be another way. Thought it through, the tenant in the back will pay his rent and that will go toward my mortgage. The money made at 637 can also pay the mortgage, so truthfully, I will not have to pay my own mortgage. I plan to live at the new house for a few years, maybe 2. Will see how the wind blows.

Overall, it is the same below are my bills. Also, I disconnected the utilities at 637 and cut the rent to $750. Something that I have to get in my mind is that I am a business women. Regardless of all of that, that is what it is. So, I need to make my money work for me. Look into some other options. It is hard trying to save, but it can be done. There are many things that I am doing that I shouldn't be or things I should be doing and I'm not. So sad, I know, so sad.

US Dept of Edu
Tax Lien
Wachovia
ADT
First Premier
Got to have $5,000 for down payment for homes. Want to borrow off of the $5,000.
Save ontop of all that
I have 4 bank accounts, I can afford to deposit $50 into each account monthly

Next steps, sort out what can be cut out. Make sure I have enough money to sustain for each month. I know I have the money because I keep spending it. Also, I haven't done anything on my school. Nothing, need to add a few pages to it and make some changes. Just don't feel like doing the work. Again it comes up, am I afraid of success. Yes, I am. After I obtain the PhD, what next? Stop making excuses is what I need to do and just do the damn work.

That is everything that has been going on. I will try to not be gone for so long. Maybe I was embarrassed about the things that have taken place. Throughout all the changes, I have learned not to look back, hold grudges and beat myself up. Can't change the past. Stick with me Financial Success Will be mine soon.

It's Another Year and What Will I Do?

2010 was a year of change for me and it is still changing. Financial success still isn't mine, but I am learning daily what and what not to do. To be honest, I can see where my problem is. The thing is that I have gone through a separation and I am still recovering from that. Within this time frame I have accomplished a few things.

Accomplishments
KAM I-approved
LA II & III-approved
finances in order (I was overdrawing constantly)

2011 Goals
save $1,000-$1,500 a month
complete KAM II February
complete KAM III April
start of prospectus May
dissertation June
$7,000-$10,500 by June or July
move by June, July, August
purchase home for $7,000 or $10,000
residency June
residency in between September -December

Thank you, thank you, thank you! I have learned over the years that a mortgage is over rated. Don't ever want one. So the time is now for me to get this thing popping. No more over spending. Another thing, I do believe I have to file for an eviction. What's crazy is my tenants son and other boys were the ones that broke into my and neighbors homes. Since we don't have school tomorrow that will be what I do. The economy is bad and I have never had a home on section eight, but I think this is the route that I'm going to go this time. More money!

Due to my separation I got in a really low place. I wasn't paying my bills or the houses bills, utilities were getting turned off left and right, now I am getting back up. Things are working themselves out. Never again will I get to that low, it was awful. What's funny, I haven't paid the mortgage yet, but I have paid all of the bills except the cable and gas. That will be done tomorrow!

The plans are big, and doable. There's a house around the street, he wants about $10,000 for it, I don't think it's worth that much. I don't have to live like the Jone's. Again I don't ever want a mortgage again!

Days Keep on Slipping

One day when this is well behind me, I am going to look back and smile. Smile because this situation is catapulted me to a better place a more peaceful and subdued environment. Speaking briefly about the situation. Maybe you have read this from me before, but I am tired. Tired of putting myself in bad situations. All of my life the same old things. Now, there's nothing. Nothing to be happy about, nothing to look forward too, nothing. On the flip side of that, there are many things to be happy about. I have my health, a place to live, my needs are met, there's life. So many things to be proud of. Just doesn't seem like that though.

This is my plan of action. Time waits for no one. This entire things has made me understand more about myself and others. No more will I be that same person, I deserve better than that. No more will I put others feelings in front of my own. Worry no more, everything will be alright and you will look upon this situation and know that it served a purpose in your life. It does and will.

Like I have stated previously, I am behind on many things. Bills ontop of bills is what I have. More or less I have gone through a divorce. Picking up the pieces, not knowing which way is up. Slowly they are coming back together. No where to turn, if things go wrong, I have to be the sole supporter of me. No more love from the other side.

Looking at things on a lighter note.

Bills
Power
Gas
Water
Knology
TMobile
Walden: once one thing is done something else always happens
First Premier
ADT
Tax Lien

There is something going on in my life. For the past year it has been a down hill spiral for me. The last few days have been strange too. Lost my license only to find it. Got pulled over only to get a warning. Car will not crank, have to get it fixed. Out and about and things took longer than they would normally. Now I'm back home to do nothing. My life has been a bunch of wo is me.

One day financial success will be mine. In the meantime, this thing called life is kicking my butt. What is going on in my life? Cleanse myself completely. No more bad things. Willetta, you will be ok! Trust that, it seems bad now, but everything has its purpose. You will be ok!

Not being able to focus on what's important has been a downfall of mean. At least the mortgages are paid. I'm going to wait to see what is wrong with Liam and how much it's going to cost to get him out of the shop. In my world, it just keeps on raining! Get it together girl, get it together!

Realizing Many Things

Life for me has been a up and down hill battle. Being a product of my experiences and continuously doing the same things and getting the same results has gotten old. Facing the person that I really am has been hard. From October 09-October 10, things have been chaotic for me and only because of the decisions that I made. This is why I am where I am today, alone. Throughout this all I have not paid bills and just seem to be coasting along. The word for me may be depression, who knows. Like I stated before, embarassment is the key word. How could I? The audacity of me.

Currently, I don't know what my financial state is. I know that the water got turned off at Parkchester, not because I didn't have the money, but just haven't paid the bill. My existence is sad. The highlight of my day is none. I did pay the mortgages, so they are caught up.

Maybe I need to come up with a plan of action. Have no motivation to do that. What I do know is I need to finish these papers. Haven't done anything with school. Really feeling sorry for myself.

This is the last month for paying Ron. That is good.

Bills
Water
Gas
Power
Knology
TMobile
ADT
First Premier
Wachovia
US Dept of Edu
MEA
Tax Lien
Doctor's Hospital

Things I Need to Do
Get Motion Lights put Up
Turn in KAM I
Save Money
Put Liam in the Shop

No goals or ambitions nothing all of that has been taken away. Can't stay here forever, got to keep pressing on.

What's even got me is focusing on the things that aren't important. My life is what's important. This is my mothers house and I don't want to be here no longer than July. She was kind enough to allow me to live here again. So thankful!

Keep pressing forward and get my life going.

Just Floating on By

Feeling embarassed about this entire thing. The place that I have created for myself. Growing up is something that must be done and I can't beat myself up for the mistakes I've made. The title of this blog is My Financial Success and to be honest I feel that I have none. There are so many things that have happened and I have not been able to get caught up. It is sad. Not and not knowing my financial state is a shame.

Confessions
Overdrawing in account every month

Goals
Get motion dectectors put up
Complete KAM I
One residency
Save $5,000
Pay off Wachovia $1900
Pay off Ron $1900
Get front yard landscaped
Purchase my own home
Purchase land
Get my mind in order
Change insurance companies
Get Liam fixed

Time keeps on passing me by. All I can do is shake my head. My Financial Success deals with getting my finances in order and paying off all debts. Also, Willetta Jackson being debt free. Owing no one. These are the debts that I have as of today.

Debts
Ron (November)
Wachovia (January)
SunTrust (October)
Bank of America (October)
US Dept of Education (December 11)
Tax Lien (August 11)
MEA
Student Loans
Medical Bill

In my mind, I just need to get my mind in order and focus on what's important. That is so hard. Just really don't feel like doing anything. There are so many things that I need to do and order to make things happen. For instance, complete KAM I, II, & III. Just can't seem to focus and sit down to write these papers. Was going to a residency, but had to cancel that due to finances. Another thing I am going to be fiancially stable to the point where I can pay cash for things and have no monthly payment. Can no longer live check to check. What is wrong with me? That is always the key question. Willetta what is wrong with you?

I Really Don't Know What to Say

It seems that my wheels keep on spinning, no matter what. That is how life is. No matter what the time keeps moving forward. My finances haven't been the best lately and I know what and where things went wrong. There are many things that could have been done and weren't. On the other hand, there are many things that were accomplished too.

A few posts back I stated that my credit score had gone up, but now it has dropped. By how much I don't know. Behind 2 months on one house and 1 on the other. I believe that I have to pay 6 months to a year in order for the mortgages to be brought back to good standings.

As I type, the bathroom is getting fixed. So glad about that. The shower still isn't fixed, but now I can take a bath instead of a shower. Got rid of the pedestal sink and put one in with storage under the bottom. Also, used Goof Off to get all of that adhesive off of the ceramic tile. That worked. Changing the bathroom color too.

Just thinking about everything, there has to be a way for me to get back on track. It seems so hard and at times I feel lost. Spinning my wheels and not getting anywhere.

Haven't been working on the group home, slightly working on my KAM I. Actually waiting to hear a response from my professor.

Let's see starting today, what can I do to get my financial situation back in order.
Stop eating out
Return items not able to use
Put more money on items
Save something every month

Ron
Wachovia
US Dept of Education
Tax Lien

Things need to get done at the houses
1027: Railing for stairs on side
637: backyard leveled and jungle removed...privacy fence, ground fault receptacle
3210: motion detector light, handles fixed on tub

Having my passport has me seriously thinking of taking a trip somewhere anywhere. Being able to go to another country and see first hand how they live would be amazing to me.

Take everyday one day at a time. Get things done and put my best foot forward. I will have the mortgage paid for the month on the other house. So I will not be behind. The extra cash that I get will go toward paying Ron or something. Tired of being in this financial place.

This is what I will try to do. Write at least once a week to show some type of improvement.