Happy New Year

Happy New Year to you all,

I haven't been posting in a while and I know that is not a good thing. Overall, the holidays where pleasant for me. I did do some spending, but not too excessively. That I am proud of.

Liam (99 Land Rover) was supposed to be paid off by December 08, did it work? No, it didn't. I owe $2,000 on Liam. I am proud of that.

As for overdrawing I did twice, but it was due to fault of my own. I paid something off and instead of putting the money in the account, I sent the money first. That isn't bad at least it wasn't hundreds of dollars in overdrawn fees.

Something new:

I got several pairs of shoes for Christmas. What I have decided to do with the shoe boxes are use them to put $1, $5, $10, and $20 in them daily. Regardless of what I will put cash in the boxes daily. I will not touch this money until the summer. The money I will have accumulated will be used for emergency, vacation, or put toward debt. I will be put it to good use.

The end of the year brought about much contemplation and want to do better in my overall life. I see where I am slacking and will do better.

One more thing, my credit scores didn't go up, why? My student loans came out of deferment and hit hard. 2 went below 600 and one stayed at 641. Right now, I am unable to do anything positive pertaining to getting some type of credit.

So, if you have student loans make sure they are deferred or are in forebearance. This will keep them in good standing and will not affect your credit score. Go to your student loan website or call them and ask do you qualify for deferment or forebearance.

The house that I was previously looking at has dropped to $144,900. Can't do anything due to credit scores. The late payment on one of the houses will drop off at the end of the month. Staying current with my mortgage payments is a must. We will move by the summer time, so looking forward to getting off this busy street and into a true neighborhood. House with a two car garage and a pool, that would be cool.

2009 will be a great year for me. My goals are to stay focused on important things. BS is not an option. Focus on building multiple streams of income. Learn more about the real estate market and do right by myself and what I have. Financial freedom will be mine. Learn as I go and never look back. This year will not be another waste.

I wish you all a great year. What will you do to get your finances in order? Let me know the wonderful ideas you may have.

Pay off Your Mortgage Fast without Refinancing

Where there's a Will there's a Way

Goals for the month are not that outstanding, but they are things that can be accomplished.

1. No overdrawing in my account: I understand how detrimental this is to my financial report cared, but sometimes things come up that are unforseen.
2. Get a will: This is much needed especially with having assets, that I don't want the state taking control of. You can get a template of a will online and take it to the government center and have them file it. Instead of getting a lawyer and going that route.
3. Save money and not spend all of it: This is very important, spending more than I earn is not what's up. Having something to fall back on is a must.
4. Pay off a $50.00 debt on my credit report: I can't believe my credit score dropped. The only thing that needs to be paid is this. I have other things, but they are in good standing.

It is sometimes hard to do the right thing, but doing right by your money is what we all need to do. We wonder why we don't have enough to be able to have that wonderful vacation. All is needed is to budget and not overspend. Make plans and decide how you will obtain your goal. My biggest enemy is myself and I will overcome what is stopping me from achieving my dreams.

Financial Planning
Beachgirl's Budget Blog
EasyBudgeting's Personal Finance Blog
Jaeneen's Favorite Blogs // Budgeting Blogs // BlogCatalog

Continue to do right by your money. Everything you want you don't need! Put your money to work for you! Use is wisely and watch your money change!

I have been Thinking

Ultimately, I want financial freedom. I mean to be financially secure. I have been thinking about how I can do that. I don't want to work another job. I mean I work 40 hours a week with other peoples children, that is a little exhausting. The candles as I stated before can do better, it's just a matter of me doing right by them. I make decent money at my job, but it's doing right by that money. So here I am telling you that this has to stop. I will do better by my money. I will not over spend and I will have all the things that I want out of life. I don't want to live above my means, but I think I do that everyday. I am tired of not having the things that I want. I deprive myself so much, and I just have started getting the things that I want no matter how small or big it may be.

I have 2 properties and another that I manage for my mom. For one of my properties, I haven't paid the mortgage. I have been using that for the things that I want. Shame on me right? Ok, I said it. I have an account for the houses, but don't have a large balance in the account. As a matter of fact, it is under $100.00. Sad right!

One of my goals is to refinance both houses. Two credit scores are below 600 the other one is 641. My hope is to have a 700 credit score by December so that I can refinance both houses and change my terms from 30 to 15 years. Starting tomorrow, I will put my money toward better things, like saving and paying off some bills.

Really, the only things that I have on my credit report are student loans, houses, and some old debts that have been paid off. Why are my scores so low? Things will get better, I know they will.