Here I am! That is something that I am so glad to be. You live and learn and that's what I've been doing. Beating myself up over past mistakes, decisions, choices, anything. Overall, just not happy with my life. That is so sad! What can I do? Except my life and move on, because time waits for no man. I realize that over all of these years, I have wasted so much time, money, and energy. Where would I be if I saved more money than I spent? Not in this place.
Beating myself up is something that I do on a daily basis. Most of the time I compare myself to others and I know that is not what God intended for any of us. No one can walk in another's shoes. Everyone has a different path to follow and what is for me is for me only.
As for My Financial Success, it has been a constant struggle, from student loans to other issues, I can't seem to win for losing.
Things that need to be handled
Land Rover sitting in front yard since last year
student loan debt 172,000
other student loans 30,000
credit scores 576 and 585
Things that I'm working on
getting house situated: 2 bedrooms painted, carpet taken up, hardwood under carpet
hallway: carpet taken up, floor done
kitchen: cabinets replaced, new counter top, flooring
new bedroom set
Where did I go wrong? Not putting money to good use, not enjoying life. I don't try to live like the Jones', but sometimes I feel I don't deserve things. Right now, I am working on putting my money to good use. Also, having this little boy has changed my life for the good. I actually have saved money for him, that I should have been saving for myself a long time ago. What changes life will bring.
Working on bringing up my credit scores. Paying things off one at a time. I learned something, I shouldn't have consolidated my loans, I had 2 to fall off due to them being 20 years old. Go figure!
Something that I have learned, I am not my credit score. Having a good one does seem to help make life a little better.
Showing posts with label money management. Show all posts
Showing posts with label money management. Show all posts
Monday, March 28, 2016
Sunday, August 3, 2014
Getting Older
When it rains it pours. The summer seems to be a trying time for me yearly when it comes to finances. I get ahead and fall back.
Things that have happened:
Liam 1200
delivery 1700
Walden 5000
overdrawn in my account
It just doesn't seem to stop. Put the house on Oneal on HAP and it took the money that I got from my baby shower. Did I mention that someone has my card number and tried to access it. They ran .12 in St. Louis to see if I had money on my card. Luckily, I was overdrawn so it didn't charge. The perks of being overdrawn.
Now, I have to pay other things that didn't clear for the past couple of months. For instance, my power bill it's 260, this is two months worth of payments. Then, I got a bill from my car note stating I owe 460 and that's more than I normally pay for my car note. What the what? Something has to give. Get two steps ahead and fall back so much more.
Overall, I'm healthy. Did I mention medical bills. I got my credit report for 1 and my score is awful. Can't seem to get ahead. Plus, these student loans are killing me and that's for real.
All I can do is take every day one at a time and do what needs to be done to get things in order. Did I mention, I want to move the year of me turning 40. That's within the 15-16 year. Right now, I need to get everything in order so that I can make that move.
Things that need to be done:
Make a payment plan with Walden
Make a payment plan with mom
Pay off 2 things on credit report
Get Sallie Mae off my back
Life continues to move forward and it depends on how you receive it. I'll probably be overdrawn this month too in my account. Robbing Peter to pay Paul, can't seem to get it together. Always money issues. Need to keep gas in the cars, food on the table, and be able to survive for the rest of the month. Plus, I'm on maternity leave and it's going to take money out of check because I don't have the amount of days. See, it just doesn't stop. Where there's a will there's a way.
Marybelle only has 15 months left before she's paid off that's a good thing. Once that's done, that money can go toward something else. The life of an adult. You gotta love it!
Things that have happened:
Liam 1200
delivery 1700
Walden 5000
overdrawn in my account
It just doesn't seem to stop. Put the house on Oneal on HAP and it took the money that I got from my baby shower. Did I mention that someone has my card number and tried to access it. They ran .12 in St. Louis to see if I had money on my card. Luckily, I was overdrawn so it didn't charge. The perks of being overdrawn.
Now, I have to pay other things that didn't clear for the past couple of months. For instance, my power bill it's 260, this is two months worth of payments. Then, I got a bill from my car note stating I owe 460 and that's more than I normally pay for my car note. What the what? Something has to give. Get two steps ahead and fall back so much more.
Overall, I'm healthy. Did I mention medical bills. I got my credit report for 1 and my score is awful. Can't seem to get ahead. Plus, these student loans are killing me and that's for real.
All I can do is take every day one at a time and do what needs to be done to get things in order. Did I mention, I want to move the year of me turning 40. That's within the 15-16 year. Right now, I need to get everything in order so that I can make that move.
Things that need to be done:
Make a payment plan with Walden
Make a payment plan with mom
Pay off 2 things on credit report
Get Sallie Mae off my back
Life continues to move forward and it depends on how you receive it. I'll probably be overdrawn this month too in my account. Robbing Peter to pay Paul, can't seem to get it together. Always money issues. Need to keep gas in the cars, food on the table, and be able to survive for the rest of the month. Plus, I'm on maternity leave and it's going to take money out of check because I don't have the amount of days. See, it just doesn't stop. Where there's a will there's a way.
Marybelle only has 15 months left before she's paid off that's a good thing. Once that's done, that money can go toward something else. The life of an adult. You gotta love it!
Monday, May 28, 2012
Trouble is Always There
8 months later and still finances are an issue of mine. As the saying goes, I can't win for losing. Don't get me wrong things are good and I always get out of the situation I am in.
This is what is going on:
Parkchester about to go in foreclosure. Probably already in it $3500
Gas bill
TMobile about to be turned off
Direct TV turned off
Knology
Marybelle tire and brakes
Liam muffler and air
MEA
Tax Lien
US Dept of Education
Wachovia
I am blessed, don't get me wrong. There are plenty of wonderful things that have happened. I am glad to have been able to receive and experience all of them. Being able to conquer these financial issues will let me know that I can do anything. The sad and funny part of it all is that money comes in, and I misuse it. That is all that it is, I don't respect money. I said. I have two checks that I haven't cashed, one is almost 2 months old.
As I stated, money comes in and I don't use it how it should be. Plus I am owed $2850. Filing for an eviction tomorrow. Overdrawn in my account too. The story of my life. I can help everybody, but I can't seem to help myself. So very sad.
The other day I wrote out all of the bills that I owe. I get paid in a few days.
Should I take money out of one account to clear the checking from being overdrawn?
Pay gas bill
When I get paid take all of my money and pay off the foreclosure? Leaving me broke for the enitre month. ( I will get a refund at the end of June)
Family reunion at the end of June, need to purchase ticket and find a place to stay
Too hot to drive Liam, sometimes he doesn't want to crank
Marybelle's tire is flat and it has a sensor in it and her breaks need fixing
What makes matters worse is, I have the money, I just don't want to pay my bills. I said it, ok! That's the truth of the matter. Things always work themselves out. Didn't mention that the back of Parkchester is awful full of weeds. Working on turning that into a group home. Learn how to make arrangments with the different companies.
This is what is going on:
Parkchester about to go in foreclosure. Probably already in it $3500
Gas bill
TMobile about to be turned off
Direct TV turned off
Knology
Marybelle tire and brakes
Liam muffler and air
MEA
Tax Lien
US Dept of Education
Wachovia
I am blessed, don't get me wrong. There are plenty of wonderful things that have happened. I am glad to have been able to receive and experience all of them. Being able to conquer these financial issues will let me know that I can do anything. The sad and funny part of it all is that money comes in, and I misuse it. That is all that it is, I don't respect money. I said. I have two checks that I haven't cashed, one is almost 2 months old.
As I stated, money comes in and I don't use it how it should be. Plus I am owed $2850. Filing for an eviction tomorrow. Overdrawn in my account too. The story of my life. I can help everybody, but I can't seem to help myself. So very sad.
The other day I wrote out all of the bills that I owe. I get paid in a few days.
Should I take money out of one account to clear the checking from being overdrawn?
Pay gas bill
When I get paid take all of my money and pay off the foreclosure? Leaving me broke for the enitre month. ( I will get a refund at the end of June)
Family reunion at the end of June, need to purchase ticket and find a place to stay
Too hot to drive Liam, sometimes he doesn't want to crank
Marybelle's tire is flat and it has a sensor in it and her breaks need fixing
What makes matters worse is, I have the money, I just don't want to pay my bills. I said it, ok! That's the truth of the matter. Things always work themselves out. Didn't mention that the back of Parkchester is awful full of weeds. Working on turning that into a group home. Learn how to make arrangments with the different companies.
Saturday, September 10, 2011
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.
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.
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