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
Showing posts with label learning. Show all posts
Showing posts with label learning. Show all posts
Friday, August 23, 2019
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. :)
Sunday, April 7, 2013
Here It Is
Things have been working out pretty well. First, 1010 is rented out. Good job! There are little issues with the property, but they are getting fixed. For instance, there's a hole under the sink, the heater grate needs to be replaced, and the gas meter has been pulled due to a leak. Now, I have to find a certified plumber to fix it.
3210 is empty, thank you for that. There are a few things that need to be fixed and I'm going to get them fixed this week. I have to go to court to get the rest of the money they owe from 3210. That's a part of the job that I don't like.
The issues have been eating out, that is where majority of the spending is done. I'm trying to work on that. I had a large amount of money to come in from working the morning lab and Saturday School. Having a second job within the first one is good. Making sure I do right by the money is the whole thing.
There are doctors bills that I have and need to be paid so they don't end up on my credit report. Checked my credit score and they are awful, the only choice I have is to go up. Continue to pay off outstanding medical bills that are sitting and build credit. I have automatic draft for all bills except the water. Continue to save and put the money in the right place. Looking to get a secured loan on 1,000. What could I do with that money? Pay off a large bill, I did get settlements for a couple of them. Pay them off and not get anymore debt.
The whole purpose of this blog is for me to get out of debt and it seems I do while for a moment and something happens. I can't continue to sabatoge myself, that seems to be what I'm good at. Falling for the set up. The money that I'm spending on food could pay off a few bills. That money put it toward the debt. Instead of eating out, pay a bill.
Questioning do I want to continue to live here? A note was in my door, it was crazy. Trying to live her until 40, let's see how that goes. Can't continue to slight myself, I tend to be good at that. I don't know what my future plans are and that's the problem I'm having getting out of school. What do I do? Financial Aid is exhausted. Had to take out a personal loan for nothing because I haven't made any adequate gains. Feel like giving up, but I've come to far. What do I do with this degree? I don't know. What do I want to be when I grow up? I don't know. I've been teaching for 13 years, will I be a 50 year old business education teacher?
Where do I go from here? I love making candles and doing this real estate thing, they both bring me joy. Have a d r period, in the front of my name has always been a dream of mine. Will it be a dream deffered? At this point, my mind is tired of thinking about school. Once the decision is made there's no turning back.
Decisions that need to be made
What are my future plans? 3 years, 5 years, 10 years from now
Do I want to continue to stay here? For how long
What kind of career do I want?
How will I acquire more properties?
What do I see myself doing?
How can I bring more happiness into my life?
Put the main thing first.
Buckle down and do what's right
Let the new me come out
This year has been filled with experiences and things I will never forget. I have something that I am sitting on and I'm excited about it. First, I don't want to let it go. Do right by the money I have. All bills are paid and life is getting better. I'm learning about myself and realizing that everything is going to be alright. Make sure I do what's right and just and most of all put the money in the right place and don't blow it.
There's so much to say and I don't know where to start. My personality is different and overall, I try to stay out of everybodies way if I can. I have a spirit of expression. I don't try it just comes out, but I want people to see me. I said it, see me, here me, notice me, something. I've been told my spirit is free. I do want I want because that's what I want to do, not because this is what people are doing. I'm my own self. Right now, at a crossroads and don't know which way to go. I feel like I'm maturing in so many respects, well have matured. Things that many get upset about doesn't bother me. Why because life goes on. I learn, listen and move on.
Not knowing what's going on or having a plan has caused me to be in school for this long. No ultimate goal, well, that is to graduate, but no plan after graduation. Is being a middle school business education teacher my end result? No disrespect to those, but that seems so mandane, like there's more to lif than that. Am I lazy? Looking for a job is hard and waiting. That another story within itself. I guess I know the answer to my question, continue to look and apply to different jobs and that's the only way I will get another one. Can't expect one to fall in my lap.
Mid-life is serious especially when your learning and don't have a typical life. As always thank you for reading.
3210 is empty, thank you for that. There are a few things that need to be fixed and I'm going to get them fixed this week. I have to go to court to get the rest of the money they owe from 3210. That's a part of the job that I don't like.
The issues have been eating out, that is where majority of the spending is done. I'm trying to work on that. I had a large amount of money to come in from working the morning lab and Saturday School. Having a second job within the first one is good. Making sure I do right by the money is the whole thing.
There are doctors bills that I have and need to be paid so they don't end up on my credit report. Checked my credit score and they are awful, the only choice I have is to go up. Continue to pay off outstanding medical bills that are sitting and build credit. I have automatic draft for all bills except the water. Continue to save and put the money in the right place. Looking to get a secured loan on 1,000. What could I do with that money? Pay off a large bill, I did get settlements for a couple of them. Pay them off and not get anymore debt.
The whole purpose of this blog is for me to get out of debt and it seems I do while for a moment and something happens. I can't continue to sabatoge myself, that seems to be what I'm good at. Falling for the set up. The money that I'm spending on food could pay off a few bills. That money put it toward the debt. Instead of eating out, pay a bill.
Questioning do I want to continue to live here? A note was in my door, it was crazy. Trying to live her until 40, let's see how that goes. Can't continue to slight myself, I tend to be good at that. I don't know what my future plans are and that's the problem I'm having getting out of school. What do I do? Financial Aid is exhausted. Had to take out a personal loan for nothing because I haven't made any adequate gains. Feel like giving up, but I've come to far. What do I do with this degree? I don't know. What do I want to be when I grow up? I don't know. I've been teaching for 13 years, will I be a 50 year old business education teacher?
Where do I go from here? I love making candles and doing this real estate thing, they both bring me joy. Have a d r period, in the front of my name has always been a dream of mine. Will it be a dream deffered? At this point, my mind is tired of thinking about school. Once the decision is made there's no turning back.
Decisions that need to be made
What are my future plans? 3 years, 5 years, 10 years from now
Do I want to continue to stay here? For how long
What kind of career do I want?
How will I acquire more properties?
What do I see myself doing?
How can I bring more happiness into my life?
Put the main thing first.
Buckle down and do what's right
Let the new me come out
This year has been filled with experiences and things I will never forget. I have something that I am sitting on and I'm excited about it. First, I don't want to let it go. Do right by the money I have. All bills are paid and life is getting better. I'm learning about myself and realizing that everything is going to be alright. Make sure I do what's right and just and most of all put the money in the right place and don't blow it.
There's so much to say and I don't know where to start. My personality is different and overall, I try to stay out of everybodies way if I can. I have a spirit of expression. I don't try it just comes out, but I want people to see me. I said it, see me, here me, notice me, something. I've been told my spirit is free. I do want I want because that's what I want to do, not because this is what people are doing. I'm my own self. Right now, at a crossroads and don't know which way to go. I feel like I'm maturing in so many respects, well have matured. Things that many get upset about doesn't bother me. Why because life goes on. I learn, listen and move on.
Not knowing what's going on or having a plan has caused me to be in school for this long. No ultimate goal, well, that is to graduate, but no plan after graduation. Is being a middle school business education teacher my end result? No disrespect to those, but that seems so mandane, like there's more to lif than that. Am I lazy? Looking for a job is hard and waiting. That another story within itself. I guess I know the answer to my question, continue to look and apply to different jobs and that's the only way I will get another one. Can't expect one to fall in my lap.
Mid-life is serious especially when your learning and don't have a typical life. As always thank you for reading.
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