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
Friday, August 23, 2019
Monday, July 9, 2018
What Seems to Be the Problem?
When it rains it pours, or is this just living. Car needs to be put in the shop. No tail lights or radio. Houston, we have a problem. Don't know how much that's going to cost. Also, within the week hopefully, the house will be lifted. Something, at least. There is so much that I will get done, just a matter of putting the money in the right place. A good thing, one more year of tuition. After that, I am sure it will be something else. He will be 5 years old. I've thought about a second job, but I will have to have a sure babysitter. Am I ready for that? At some point this will be a thing of the past. One of the problems is I don't believe in myself. Can't see the things that I want due to assuming they will not be achieved. My thoughts have to change. Preventing blessings or better times from my thought process. Investing is something that I have been playing around with and I will continue to learn as I go.
Order, I keep typing the same thing so I can get it together. Believing in myself and knowing that I deserve better, we deserve better, things have to change. No more stale water, time to move, do something better with myself, with us. The going question is: What seems to be the problem? No matter what, I can't get it together. Overdrawing in my account to the point that it is blocked. Really at this age of my life. Again, where did I go wrong. Out of all of this there is some good. Credit score has gone up. Never above 630. Now, it's below 600. I have failed, that's what I keep doing. I try and try and try and it's is never enough to make things better. I was worried, bother about my account. Then I thought, get over it I did it so naturally, I must get out of it.
Debt
Navy Federal
First Premier
Capital One
Obgyn
Fed Loan Servicing
When they all are paid off my credit score will increase much! Really looking forward to that. In the meantime, throwing things away and having order in the house is key to helping with this debt journey. Many times, I don't wan to acknowledge the things I want out of life because usually it doesn't happen the way I wanted or not at all. Ya, ya, that is living I know, but truly I am not where I thought I would be at this stage.
There has to be many changes. Been paying Navient for a few years, it's about 150 a month. Seriously thinking about stopping that payment. Borrowed off of my 403b, that payment is 283. The Obgyn debt I've been paying 250 a month to that, which they take that and disburse it toward other debt too. Yes, I have much debt. I was reading on my IG that one shouldn't go broke paying off debt, that is what I've been doing for a long time. Living below my means, not able to do anything because I don't have any money. Really a problem and sad.
I am not worried about the debt. I will fix the problems that I have created. This is so much easier to type this. I don't know where I go wrong. Robbing Peter to pay Paul, why does this happen to me? What is my problem?
August (debt below will be paid in full by December 31)
First Premier pay in full
Navy Federal $100
Capital One $100
Obgyn $100
Monday, June 25, 2018
It's all Me
It's no one else, but me! I've been in the same place for the last however many years and I'm tired of this. So close, but no horseshoes. Have so many plans and nothings works. Because I am the source of the problem. There are so many things of interest to me, but I fight against the machine. I'm growing and changing and need to stay focused on the most important thing. My baby and getting out of this debt that I have accumulated over all these years. The closer I get the further it seems to achieve my goals.
Student loans are not the major concern anymore, it is these credit cards. I was on a roll last year and now, they are a problem. Pay them down and after that, Obgyn and Associates (which they will not separate this debt). Nothing beats a failure, but a try. That I am doing is trying.
Along this journey, I forgot who I was, the things I am interested in, and what brings me joy. Having this little boy has been interesting and sad all at the same time. Many times, I don't know that I'm doing a good job! I try to give him what is needed and be the love that keeps him going. Is that enough, can I be enough for him? Can I give him all the tools that he needs to be a successful young man?
Goals
house lifted
house painted
carpet (flooring taken up in front room, kitchen, and dining room
cabinets, counter tops replaced (back splash)
Marybelle (tail light, casing on side, headliner replaced)
Move 3/4 bedroom 2/3 bathroom 2 car garage and a fireplace
Debt
Obgyn and Associates
Fed Loan Servicing
Valic
Navient
The age of 42 is a life learning experience. I've never been married, but I am glad that I have lived to see what life can bring you. At this juncture of life, I've had cancer, a baby, lived in the hood, been an educator, started and didn't complete a PhD program, accumulated a ton of debt, landlord, I can go on and on, but I am still here. With all of that said, it has been a journey that I am proud to be on. Now, I am tired. I have made a way when there has been none. Stayed above water, when in my mind, I was draining.
Yes, I want to give up from time to time, but I don't! I carry on, now, I will say, I don't interact often, but I know how to stay in my line. It's time to get my life back. There are no rewinds, regardless. Seeing the forest for the trees is a major concern for me. Know that I can accomplish anything is what is scary. Talking a good game is much of my problem. There are so many things that I love, but don't do. Is it because I am afraid of success. In real life, I am better for others than myself. It really is sad.
Working on being a better person to myself is my key to building my own success. I've starting thinning and throwing away. It starts from within. Most of my posts are rambles, I know, but it's time. Yoga, exercising, healthy eating, games, travel, loving him are all things that are important to me. Making sure he has much love and life!
Retirement is near and I have what it takes to be ready for this life change. Being in the 3rd stage of life (dedication, contemplation, and benevolence: Adulthood, Mature Adulthood, and Midlife) is something serious. My thoughts and interests aren't like others. I tend to wonder why is my life like this, what did I do to have this? Those are not questions I should be asking, but what can I do to make my life better, my babies life better?
Most of my posts are scattered as my mind. They give me something to look back on and make better decisions and choices. I am fine, we are fine! Trust and know that nothing is all for not!
Student loans are not the major concern anymore, it is these credit cards. I was on a roll last year and now, they are a problem. Pay them down and after that, Obgyn and Associates (which they will not separate this debt). Nothing beats a failure, but a try. That I am doing is trying.
Along this journey, I forgot who I was, the things I am interested in, and what brings me joy. Having this little boy has been interesting and sad all at the same time. Many times, I don't know that I'm doing a good job! I try to give him what is needed and be the love that keeps him going. Is that enough, can I be enough for him? Can I give him all the tools that he needs to be a successful young man?
Goals
house lifted
house painted
carpet (flooring taken up in front room, kitchen, and dining room
cabinets, counter tops replaced (back splash)
Marybelle (tail light, casing on side, headliner replaced)
Move 3/4 bedroom 2/3 bathroom 2 car garage and a fireplace
Debt
Obgyn and Associates
Fed Loan Servicing
Valic
Navient
The age of 42 is a life learning experience. I've never been married, but I am glad that I have lived to see what life can bring you. At this juncture of life, I've had cancer, a baby, lived in the hood, been an educator, started and didn't complete a PhD program, accumulated a ton of debt, landlord, I can go on and on, but I am still here. With all of that said, it has been a journey that I am proud to be on. Now, I am tired. I have made a way when there has been none. Stayed above water, when in my mind, I was draining.
Yes, I want to give up from time to time, but I don't! I carry on, now, I will say, I don't interact often, but I know how to stay in my line. It's time to get my life back. There are no rewinds, regardless. Seeing the forest for the trees is a major concern for me. Know that I can accomplish anything is what is scary. Talking a good game is much of my problem. There are so many things that I love, but don't do. Is it because I am afraid of success. In real life, I am better for others than myself. It really is sad.
Working on being a better person to myself is my key to building my own success. I've starting thinning and throwing away. It starts from within. Most of my posts are rambles, I know, but it's time. Yoga, exercising, healthy eating, games, travel, loving him are all things that are important to me. Making sure he has much love and life!
Retirement is near and I have what it takes to be ready for this life change. Being in the 3rd stage of life (dedication, contemplation, and benevolence: Adulthood, Mature Adulthood, and Midlife) is something serious. My thoughts and interests aren't like others. I tend to wonder why is my life like this, what did I do to have this? Those are not questions I should be asking, but what can I do to make my life better, my babies life better?
Most of my posts are scattered as my mind. They give me something to look back on and make better decisions and choices. I am fine, we are fine! Trust and know that nothing is all for not!
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.
Tuesday, April 3, 2018
Will I Ever Get This Together?
Spinning wheels and getting nowhere fast. Been on this financial success journey for years and in my opinion I haven't gotten far at all. I write and I don't write, I make promises to myself and don't keep them. This journey is a trying one, but worth all the effort. When I complain, I'm told that that's what we call living. Am I living wrong? What is the problem? In real life it seems I can't get right, but then there is everything to be thankful for and for that I am thankful!
My debt is something that really bothers me and makes my life miserable. Again, things are wonderful! My problems go on and on! Number 1: Health is my mine concern. Number 2: Making sure I can take care of my baby. Number 3: Handling my financial success. Number 4: Making sure I do the right thing. Number 4: Be present for my mom.
In life period I get caught up on putting money in the right place and not spending on food. That's my biggest issue, food. When I try to do right something happens, car goes out, washing machine dies, glasses get broken, anything that could happens does and I'm just tired.
To date, there have been several debts that have been paid off, but there are several more that need to be tended to.
Where does time go, money, your life? Where does it all go? Away, that's where it goes. The plans that I've made for my life, where did they go? I wonder from time to time, what did I do wrong, where did I go wrong? Now, the question is what to do to make things better? I don't need to get discouraged at all. Keep fighting this battle and put money where it belongs, to my debt.
Issues
Capital One $779 May 2018
Navy Federal $1450 June 2018
Obgyn $5354 paid off by December 2018
Navient $12,388 $11,488 or to $10,000 first December 2019
Fed Loan Servicing $193,280 December 2028 Call because they are not taking my Public Loan Forgiveness paperwork
Now what needs to be done? Get over myself and do what is best. Continue a good fight and not give up. This is one of the hardest things I have done. What makes it so frustrating for me is that I'm not this person that goes hard and shops, shops, shops, I don't do that. I can't seem to get it together.
Negative self talk is what can sabotage this entire financial journey that I am on. Honestly, like always, I am sick and tired of being sick and tired. This is getting old.
Rethinking my problems, have to take my time organize and not get down due to my own financial issues. The credit cards were supposed to help with getting my credit score higher. They did for a few and then it went for not.
It's ok, it's alright! Things will get better. As long as I stay focused, don't get side-tracked, and use money for my (our benefit) things will be fine.
Things to do
Get Marybelle towed and fixed
Get Liam towed and fixed
If too much money both cars will be sold
Clean house top to bottom
Save $500-$1000 a month
Get over myself and my issues and do the damn thing
Come up with a plan to get rid of this $193,000 debt
Read more
Save for a down payment on another house
Things in House
kitchen counter tops
kitchen cabinets
kitchen/dining room floor
front room floor
fascia board house
house painted
fence fixed
storage unit removed from yard
It doesn't seem that I have been in my career as long as I have and it's been a long time. Now, I have only 12 years to retire and do what's best for us. Use my salary to pay off this debt. It's really not much, but it is something that has hindered me from doing and being what I want to be.
Things will get better, if there is extra money it will go toward the lowest debt that I have. I made a plan that if we don't eat out, that money saved during the week will go toward debt. We will see how that works.
This blog is supposed to help me, but in real life I don't want to face my problems. If I ignore them they will go away and that is not the case. They tend to get worse instead of getting better. All it takes is me, me doing right by my money, not offer spending and focusing on being the best me that I can be.
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.
Saturday, August 5, 2017
Feeling Some Kind of Way
Things are really good. My emotions will not let me enjoy it. In my mind, all I see is the kinda, shoulda, but I didn't and now I'm here.
To date, I've paid off 4 student loans and my credit scores are still in the same boat as before I started tackling the issues. The problem is my credit cards, instead of putting money toward them or not using them at all I do. Plus, with Creditkarma.com there's a delay in when things are reported.
I paid off 1/2 of the debt with Walden. This will be paid off completely by the end of the year. The issues that I am having come from making sure I do he right things with the money I have. Car still in the shop. There are things that I need to do, but can't seem to focus on nothing.
Good Things
Fascia board replaced on house
Fico score 671
32 days of thankfulness that I'm posting on Twitter
There are several things that need to be done, but I don't know where to start. My blog has no order, but my daily issues dealing with financial freedom.
Issues
Eating Out
Not doing right by myself
This post is a ramble of emotions and concerns and still I am not doing what is needed. I want to pay for my next piano lessons, but haven't called to do that. School has started and I have 5 sessions that I've already paid for, now I have to schedule my yoga time. Something has to give.
I get bothered because I eat out, bothered because the house is a wreck, bothered because I'm tired, just bothered. Overall, I do have a plan to move and do better. Better, lifestyle changes, body, emotions, just different and starting somewhere is the key.
My mind is cluttered like my home. It seems, I can't get myself to do anything worth nothing.
To date, I've paid off 4 student loans and my credit scores are still in the same boat as before I started tackling the issues. The problem is my credit cards, instead of putting money toward them or not using them at all I do. Plus, with Creditkarma.com there's a delay in when things are reported.
I paid off 1/2 of the debt with Walden. This will be paid off completely by the end of the year. The issues that I am having come from making sure I do he right things with the money I have. Car still in the shop. There are things that I need to do, but can't seem to focus on nothing.
Good Things
Fascia board replaced on house
Fico score 671
32 days of thankfulness that I'm posting on Twitter
There are several things that need to be done, but I don't know where to start. My blog has no order, but my daily issues dealing with financial freedom.
Issues
Eating Out
Not doing right by myself
This post is a ramble of emotions and concerns and still I am not doing what is needed. I want to pay for my next piano lessons, but haven't called to do that. School has started and I have 5 sessions that I've already paid for, now I have to schedule my yoga time. Something has to give.
I get bothered because I eat out, bothered because the house is a wreck, bothered because I'm tired, just bothered. Overall, I do have a plan to move and do better. Better, lifestyle changes, body, emotions, just different and starting somewhere is the key.
My mind is cluttered like my home. It seems, I can't get myself to do anything worth nothing.
Wednesday, July 19, 2017
Getting Things Done
Another Navient loan has been paid off. It's moving slowly, but working itself out. Truly can't believe that it's taken me this long to decide that paying these debts off is really worth it.
DEBTS
Fed Loan Servicing $3,000, $71,000, and $116,000
Walden $6,447
Navient $10,000 and $11,000
No, I don't have a PhD, was close, but ran out of financial aid. Told myself that I wasn't going to complete the program, now, I'm in a better place and know I can do it.
At one point, looking at my student loan debt made me sad. Without it, I wouldn't have the career that I do. Or be able to sustain my lifestyle, for this I'm thankful.
POSITIVE THINGS
Increase in Navy Federal card, went from secured $500 to unsecured $1000
Increase in First Premier card, went from $300 to $450
Started back making candles
Things are looking up and honestly, I don't know how I feel. Sometimes I think that I have a predisposition to being sad. Enough of that. Don't take good things well at all. Always looking for the negative in every situation.
In order to move to a better environment, these debts will have to be paid off. No matter what. I have a plan and it will work.
I've also been reading financial management books to help with doing better with my cash.
The Fed Loan $3,000 will be paid off before the end of the year. I'll achieve financial freedom, working my plan and not losing track will help. I got this.
DEBTS
Fed Loan Servicing $3,000, $71,000, and $116,000
Walden $6,447
Navient $10,000 and $11,000
No, I don't have a PhD, was close, but ran out of financial aid. Told myself that I wasn't going to complete the program, now, I'm in a better place and know I can do it.
At one point, looking at my student loan debt made me sad. Without it, I wouldn't have the career that I do. Or be able to sustain my lifestyle, for this I'm thankful.
POSITIVE THINGS
Increase in Navy Federal card, went from secured $500 to unsecured $1000
Increase in First Premier card, went from $300 to $450
Started back making candles
Things are looking up and honestly, I don't know how I feel. Sometimes I think that I have a predisposition to being sad. Enough of that. Don't take good things well at all. Always looking for the negative in every situation.
In order to move to a better environment, these debts will have to be paid off. No matter what. I have a plan and it will work.
I've also been reading financial management books to help with doing better with my cash.
The Fed Loan $3,000 will be paid off before the end of the year. I'll achieve financial freedom, working my plan and not losing track will help. I got this.
Saturday, July 15, 2017
Who's Life is It?
That's the big question. Of course it is mine, but it seems like it is my debt collectors. As long as I owe people, the money I make isn't mine. With that being said, I have hit the ground running paying of all of these student loan bills.This is really a big time in my life. Having this 3 year old that I am responsible for and wanting more for me life has added a push o my life. There are many things that I have accomplished, but there is so much more.
Paying things off is a priority. What's funny is that I have extra money to put toward my debt, that I didn't realize I had before. Maybe my mindset has changed who knows?
Things are getting better, and I truly see that! Now, to put things in action and continue to do right by my money, myself, time, and others.
The Road to Financial Freedom
Fed Loan 3006.72 August 200 a month
Allied Account Services 6372 Walden University 50 a month
Navient 11,420.16 payment arrangement 200 until meet original debt (these debts are combined)
12,297.98 payment arrangement 200 until meet original debt
Fed Loan 71,066.74 service loan forgiveness 60 (these debts are combined to be paid for 10 years and loan will be forgiven)
115,655.08
All together, about 500 a month I'm paying to eliminate this debt. Much of this needs to be
paid off in order for me to move. Which I'm truly looking forward to. Will not have extreme
mortgage payment. No longer will I be a victim to debt.
As you see, I have the most student loan debt. With that being said, paying off these debts
makes me feel like I can do anything. When a debt has been paid, I feel a sense of relief. One thing down and a few more to go.
Having all of this debt has really made me feel like a loser, failure, and inadequate. When my credit is looked at people say, "You really don't have bad credit, if you didn't have those student loans." That's the truth. I have several student loans, which have been consolidated. I left out the loans that are prior to 1998, this will allow me to qualify for Teacher Loan Forgiveness.
The sad thing is I really didn't have much time to complete my PhD. I am everything, but my dissertation. This where all of the debt came into play. I've contacted Walden, but I know regardless, the 6372 must be paid off before school is even thought about. What I'm thinking is close to 15000 is needed in order for me to get back n and complete my PhD.
During my depressive state, completing my PhD was not an option. Completely decided that I didn't deserve it, it wasn't worth it, and what is the point. In my previous life, I never liked for things to be incomplete. And here we are!
Once I got over myself and things started looking up, the thought came that I am totally worth it.
Positive Things
Vanguard Account
Valic
Ally
Digit
Roth IRA
Traditional IRA
Personal Capital
In all honesty, things really aren't that bad. I can take care of myself and my baby, so we are good.
Celebrations
Started back making candles (Betty's Only)
My health is better, taking Nature Throid instead of Synthroid
Changed my lifestyle
Interacting more
Taking piano lessons
Jekyll Island
Hot Yoga class
Chucky Cheese
Swim lessons
Paying off debt
He's happy and healthy
Working on myself is the best thing I can do for everyone! Once, I put myself first things started changing for the better. Honestly, I take things personal and that prevents me from interacting for real, but overall, I am good. Let me rephrase that, we are good!
Sunday, June 25, 2017
Things are Getting Better
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.
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.
Tuesday, June 13, 2017
Another One Bites the Dust
Thank you for allowing me to focus on what's important, paying off this debt that I have accumulated due to student loans. I've had this blog for a really long time and there have been years that I posted once or twice or maybe not at all. Looking over the blog itself, there have been substiantial changes, but not to the point where I have eliminated most or even half of the debt. Truly sad, so really is financial success mine?
That's a great question to ask myself. All I must do is continue to pay off these student loans and do right by my life. So with that being said I paid off another Navient loan. I'm really excited to have done so. My focus is different, is it because I'm older, have this little boy, realized I've made many financial mistakes and the only way that my finances and or credit score are going to improve is put the money where it needs to go? On these debts.
Debts
Navient $1017 paid off by October 2017
Federal Loan $3125 paid off by October 2018 or sooner
Allied Servicing $6447 not sure when this will be paid off
There are others, but these are the ones that are the least.
Payment arrangements, $200 a month for 4 years to equal $10,000. They have a 10% interest rate, but since they are working with me, this isn't a problem. These have added penalties and fees which they are willing to wave.
Navient $11,000
Navient $12,000
I don't remember if I stated that I refinanced my home to a 15 year mortgage and the payment only went up about $50. Very glad of this. Probably will refinance again to a 10 year mortgage, but that will be a few years down the line.
Making better financial decisions has been hard, but any money that I have been getting extra I've been putting toward the debt. This has helped substantially.
My ultimate goal is to move to what I want. I did things a little backward, but it's time to do something different. By the time I retire, this little home will be paid for that is a great thing to look forward to.
I must make sure that I continue this momentum and pay these things off. To date two debts are clear and free, now three more. Yes, there are more, but it makes it better looking at the smaller ones first.
Problem
eating out
This is a major problem. Purchasing quick food while we are out. The plus is it's quick, the negative is it's not healthy. Better choices.
This blog should be used as accountability, but I don't do that. Thank you for reading. This journey has been a hard one and it's not over. There is so much that will be achieved. Before I know it, these above mentioned debts will be a thing of the past.
Ultimately, I must believe in myself and do right by my money, it's mine to do with it what I will.
That's a great question to ask myself. All I must do is continue to pay off these student loans and do right by my life. So with that being said I paid off another Navient loan. I'm really excited to have done so. My focus is different, is it because I'm older, have this little boy, realized I've made many financial mistakes and the only way that my finances and or credit score are going to improve is put the money where it needs to go? On these debts.
Debts
Navient $1017 paid off by October 2017
Federal Loan $3125 paid off by October 2018 or sooner
Allied Servicing $6447 not sure when this will be paid off
There are others, but these are the ones that are the least.
Payment arrangements, $200 a month for 4 years to equal $10,000. They have a 10% interest rate, but since they are working with me, this isn't a problem. These have added penalties and fees which they are willing to wave.
Navient $11,000
Navient $12,000
I don't remember if I stated that I refinanced my home to a 15 year mortgage and the payment only went up about $50. Very glad of this. Probably will refinance again to a 10 year mortgage, but that will be a few years down the line.
Making better financial decisions has been hard, but any money that I have been getting extra I've been putting toward the debt. This has helped substantially.
My ultimate goal is to move to what I want. I did things a little backward, but it's time to do something different. By the time I retire, this little home will be paid for that is a great thing to look forward to.
I must make sure that I continue this momentum and pay these things off. To date two debts are clear and free, now three more. Yes, there are more, but it makes it better looking at the smaller ones first.
Problem
eating out
This is a major problem. Purchasing quick food while we are out. The plus is it's quick, the negative is it's not healthy. Better choices.
This blog should be used as accountability, but I don't do that. Thank you for reading. This journey has been a hard one and it's not over. There is so much that will be achieved. Before I know it, these above mentioned debts will be a thing of the past.
Ultimately, I must believe in myself and do right by my money, it's mine to do with it what I will.
Saturday, June 10, 2017
It's Been a Long Time Coming
This feels so abandoned. Like always, haven't been here in a really long time. Overlooked previous posts and boy, I talked a great game and haven't done anything to make any situation better. Now that's what one would call sad. There have been many positive things that have happened over the year. For instance, started seriously paying off debt. I mean seriously, taking it slow, but getting it done.
Let's see:
Paying off students loans
Started reading Mr. Money Mustache
Opened a Vanguard account
Purchased two IRAs
Refinanced to 15 year mortgage
Got increase on credit
Debt:
Navient 380
Navient 1057
Fed Loan 3085
Allied Ser 6372 (This has to be paid off before I can re-enroll to complete Phd)
Navient 11,000 charged off
Navient 12,000 charged off
At this point, I feel somewhat obsessive about paying off these debts. It's been too long for me to be saying financial freedom is mine and I haven't done anything to be financially free. In other words, financial freedom hasn't been mine because I haven't paid off anything that I should have a long time ago.
With that being said, the 2 Navient loans will be paid off by the end of the year. The Fed Loan will be paid off by March 2018. The main thing is having most of the debt free and clear by December 2018. The time has come for me to move, well us to move. Better place, better environment for the both of us. It's funny how we tend to live our lives. For instance, I've had the cars I've wanted, but not the house I've wanted.
Things are looking great, just a matter of doing right by the money I receive, no more wasting it. Do better is what I keep telling myself, do better. Retirement is about a decade away. It's time to do what's right. It just dawned on me that I'll only have a few more years to pay on my house once I retire. I should be able to put more on the house or refinance to a 10 year mortgage at some point. In the meantime, credit scores need to be improved. I've been working on those for years and nothing. They'll go up, but drop in a matter of a month. I'm going to keep working on these things and know that financial success is mine. :)
Let's see:
Paying off students loans
Started reading Mr. Money Mustache
Opened a Vanguard account
Purchased two IRAs
Refinanced to 15 year mortgage
Got increase on credit
Debt:
Navient 380
Navient 1057
Fed Loan 3085
Allied Ser 6372 (This has to be paid off before I can re-enroll to complete Phd)
Navient 11,000 charged off
Navient 12,000 charged off
At this point, I feel somewhat obsessive about paying off these debts. It's been too long for me to be saying financial freedom is mine and I haven't done anything to be financially free. In other words, financial freedom hasn't been mine because I haven't paid off anything that I should have a long time ago.
With that being said, the 2 Navient loans will be paid off by the end of the year. The Fed Loan will be paid off by March 2018. The main thing is having most of the debt free and clear by December 2018. The time has come for me to move, well us to move. Better place, better environment for the both of us. It's funny how we tend to live our lives. For instance, I've had the cars I've wanted, but not the house I've wanted.
Things are looking great, just a matter of doing right by the money I receive, no more wasting it. Do better is what I keep telling myself, do better. Retirement is about a decade away. It's time to do what's right. It just dawned on me that I'll only have a few more years to pay on my house once I retire. I should be able to put more on the house or refinance to a 10 year mortgage at some point. In the meantime, credit scores need to be improved. I've been working on those for years and nothing. They'll go up, but drop in a matter of a month. I'm going to keep working on these things and know that financial success is mine. :)
Wednesday, June 29, 2016
It's the Middle of the Year
Spending, spending, spending....that's what I've been doing this summer. At the same time, I've been getting things done.
Candle room
Kilz
Next
painted
carpet taking up
floor done
Hallway
carpet taken up
floor done
Liam has been put in the shop. He will not be out until he is fixed. This will save getting another vehicle. Plus, I got some flowers for the front yard and they have added appeal to the yard. There are still things that need to be done, but I'm glad I decided to get over whatever it is and get these things done.
Getting things done feels really good. Being in the middle of my life and having this baby has really made things different. Putting money to good use is always worth it.
What needs to be done
refinance home
pay off 1532
pay off 3295
put up 1000 every month
pay for his school for July
Entering a new stage of my life and I'm looking forward to it. Every day is new and I haven't been living it like that. Now is different. I have over 175,000 worth of student loan debt and it angers me. All I can do is work to make my life better. Take every day one at a time.
Candle room
Kilz
Next
painted
carpet taking up
floor done
Hallway
carpet taken up
floor done
Liam has been put in the shop. He will not be out until he is fixed. This will save getting another vehicle. Plus, I got some flowers for the front yard and they have added appeal to the yard. There are still things that need to be done, but I'm glad I decided to get over whatever it is and get these things done.
Getting things done feels really good. Being in the middle of my life and having this baby has really made things different. Putting money to good use is always worth it.
What needs to be done
refinance home
pay off 1532
pay off 3295
put up 1000 every month
pay for his school for July
Entering a new stage of my life and I'm looking forward to it. Every day is new and I haven't been living it like that. Now is different. I have over 175,000 worth of student loan debt and it angers me. All I can do is work to make my life better. Take every day one at a time.
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