It's 2010 and I am Not Doing the Right Things

This is going to be a lot of rambling off. I haven't been thinking clearly these past few months and money has been one of the issues. First, I have gotten much money over the last few months and blown it on nothing. Something that I have realized is I am a giver and that may be good in some instances. Today what I am going to do is write here what I have done wrong and what I am going to do to fix them.

Again, it may be scattered!

Trying to purchase 3 properties for $45,000

Moving by August 2010: 4 bedroom 3 bath, 2 car garage, pool, fireplac

Found out I haven't paid my mortgage for December $1150 paid

1027 owe $450

637 owe $1710 need to evict paid

3210 owe $450 paid

when evict 637 going to have to do much work $1,000 fixed

still haven't paid for the Escalade $4,900

money I have is $1,200

still raining in Liam fixed

backdoor on Liam has dropped fixed

power button for drivers seat

break light broken fixed

brush guard rusted

filled out passport application and took picture, but now can't find birth certificate

breaks still messed up waiting for Firestone to call me back in shop as I type

haven't done anything with my KAM working on this

caught up in my last class passing with a 91 finished all courses

The first thing is to stop spending. Spending on things that really don't matter, doing for others and things like that. The problem is I don't do for myself often, I really didn't a few years back. Now I am making up for lost time. It feels good to finally see that I have money. All I have to do is put it to work for me. In the meantime, enjoy a little of it.

What needs to be done. Try to write it out in an orderly fashion.

Save $3,700 by March by off Escalade

Tomorrow pay 637 see if it can be taken off my credit report $1,200

Organize bills for February tomorrow

Find birth certificate and send off passport application

Pass last class

Put car in shop when they call

Call where got headliner fixed

Start working on KAM

Get ahead in my class

Get estimate from Burkett for Liam

Put $1,000 down on $45,000 properties

Call tenant let know they need to move

Go up on rent

$425 to $475

$570 to $610 950

Ok, follow this and everything will work itself out. As I do these things I will cross them out and date. Let's see how long it actually takes me to complete this list. My my my, how I procrastinate.

Something else, I don't know what I want to do with myself. Travel, teach others how to take care of themselves, rent, buy, sell, fix houses. Being tied down like this has its ups and downs. Since I have been doing this I have seen so many come and go. I don't want to be there forever and yet time keeps moving. To some extent, I wonder what else can I do. My plan is to save money and make it work for me.

One day I'm going to look back and read this and realize that I made the right financial decisions. All it takes is learning from my mistakes, saving, paying off debt, and doing right by what I have. I can do this, I can make it happen, I must achieve financial freedom.

This is just a spill of what I am thinking about at this moment. This has helped because now I can see what needs to be done. Being scattered doesn't doesn' help the matter. That is jusst has my mind operates.

Being sure of the right debt rescuers

Guest post by JENNIFER LOHAN

Debt consolidation is often a useful means to get rid of your high-interest unsecured debts like credit card debt and personal loans. The credit card companies are earning billions of dollars in penalty fees. With the raise in interest rates on credit cards, the situation of credit cardholders has become worse. Many individuals are looking for a reliable if not, the best debt consolidation company since they’re facing difficulties to even keep up with their minimum monthly payments, not to mention the cumulating interest rates. Number of bankruptcies is at a record high and people are desperately looking for solutions to get out of debt. This article would help you choose the right debt consolidation company. Choosing the right company is essential to successfully eliminate debt promptly.

Do your homework

When you’re looking for a good debt consolidation company, you must do your homework well. There are so many companies out there and some of them are just scams that would prey on you to take your money without offering any valuable services. Check with the Better Business Bureau (BBB) to see if there are any complaints against a particular consolidation company you’re thinking about. If there are many complaints or grievances, just turn your back on them and walk away.

Check the background

It is essential that you check the past performance of a consolidation company. Some companies are just fly-by-night companies and change their names too often. They target unsuspicious consumers to make money. You mustn’t go for a company that has a history of less than three years. Remember that it needs time to form reputation. Choose a company with an extensive history.

Pressure tactics

This is certainly a warning signal. If a representative of a consolidation company tries to make you sign an agreement within a very short period, then you have to look out. A reputed company wouldn’t do this. Debt consolidation is not an easy procedure and you don’t have to hasten to arrive at a decision. Furthermore, consolidation mightn’t be right for everyone.

Don’t choose a lengthy program

You mustn’t select a program that is going to run more than three years since you can’t gain from it in the end. The sooner you pay off your debts, the better it is for you and you also can save plenty of money.

Ask questions

You can ask your family members or friends about their experience with a particular company. Knowing their experiences might help you choose the right company. Ask the company about their monthly payments and interest rates and compare them with others.

Always keep in mind that the right debt consolidation company would offer you a tailor-made program that would fulfill your requirements and remain within your means.

JENNIFER LOHAN
jennifery2k@gmail.com