My Financial Success

Moving Along

noreply@blogger.com (bettysonly) — Fri, 23 Aug 2019 15:31:00 +0000

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

What Seems to Be the Problem?

noreply@blogger.com (bettysonly) — Mon, 09 Jul 2018 19:27:00 +0000

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

It's all Me

noreply@blogger.com (bettysonly) — Mon, 25 Jun 2018 15:34:00 +0000

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!

5 Years and Counting

noreply@blogger.com (bettysonly) — Tue, 08 May 2018 14:17:00 +0000

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.

Will I Ever Get This Together?

noreply@blogger.com (bettysonly) — Tue, 03 Apr 2018 16:20:00 +0000

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.

2017 is Almost Over and What Will 2018 Bring?

noreply@blogger.com (bettysonly) — Wed, 13 Dec 2017 18:44:00 +0000

This year has been full of many positive things.

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.

Feeling Some Kind of Way

noreply@blogger.com (bettysonly) — Sat, 05 Aug 2017 19:43:00 +0000

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.

Getting Things Done

noreply@blogger.com (bettysonly) — Wed, 19 Jul 2017 22:47:00 +0000

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.

Who's Life is It?

noreply@blogger.com (bettysonly) — Sat, 15 Jul 2017 20:21:00 +0000

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!

Things are Getting Better

noreply@blogger.com (bettysonly) — Sun, 25 Jun 2017 19:51:00 +0000

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.

Another One Bites the Dust

noreply@blogger.com (bettysonly) — Tue, 13 Jun 2017 22:58:00 +0000

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.

It's Been a Long Time Coming

noreply@blogger.com (bettysonly) — Sat, 10 Jun 2017 17:20:00 +0000

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. :)

It's the Middle of the Year

noreply@blogger.com (bettysonly) — Wed, 29 Jun 2016 21:01:00 +0000

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.

All I Can Do is Live

noreply@blogger.com (bettysonly) — Tue, 21 Jun 2016 03:19:00 +0000

I had to realize that I have not been in a good place for a really long time. Chaos all around. In my mind, home, car, job, life, social interactions, chaos. Stepping back understanding the problem and working towards making it better.

The house looked as if it had thrown up. Things everywhere, clothes, things, all over the place, no order, none. I started in the back of the house and thinned out. Got rid of clothes, shoes, papers, things. Moved things around. I also started to decorate. I have been in the house for a long time and I haven't enjoyed it. Haven't made it comfortable, home. I know these things don't matter, but they add warmth to the space. You can actually walk throughout the house and nothing is on the floor. Everything has a place. More or less. It feels good to finally have a clean home.

In the meantime, during the decorating, I have been redoing each room. My room is done. Now the guest bedroom. It had to be Kilz. That was done today. Tomorrow, it will be painted. Looking forward to it. Once that is done, the carpet will be removed and the hardwood sanded and varnished. There will be a full sized bedroom set put in there.

Next, his room will be done just like the guest bedroom. Finally, the carpet will be taken up in the hallway and the hardwood done too. Making the space comfortable while I'm here and ready for the next tenant after I leave.

The front of the house is going to take the most work. The floor has shifted in the kitchen. There needs to be a new counter top and cabinets. The floor needs to be done too. I didn't mention a backsplash. Something pretty. The front room carpet needs to be taken up and floor under needs to be fixed. There's a hump in it. Not too sure about what type of flooring I would like for that room. Will have to think about that.

In the front yard, I planted a flower garden and it is really pretty. They are perennials so they will come back every year. Slowly, but surely I am appreciating the things that I have done in my home. It is mine and it might as well be what I want.

As far as my debt, I haven't done anything with it. It is still there. I haven't checked CreditKarma. Nothing.
Student loans
Medical bills

I have been spending money on nothing really, but not on what is important. Not at all. What is the problem? I just don't feel like doing what it takes to get out of this financial turmoil that I have gotten myself into.

What I told myself is that I would look at CreditKarma and see where I stand.
Contact all debtors and set up payment arrangements
Continue to save $1000 a month

At the end of the year, I wanted to purchase a new car with the money saved. Purchase land, pay off debt, put it toward my mortgage. I really don't know what to do.

What I can do is put $400 toward my smallest debt in July. This will allow me to get something paid off in at least 2-3 months.

Life is about learning from your mistakes and doing what it takes not to repeat them. I created this debt and it's up to me to eliminate it.

Plus, I got a part time job. I do enjoy it. That helps. Focus is what I need and having a clean home does help. I know that moments matter, but they fade away. I must do what's best for me!

It's a Journey to be Filled with Accomplishments

noreply@blogger.com (bettysonly) — Mon, 18 Apr 2016 22:48:00 +0000

This financial journey is not the easiest one to be on. I'll be the first to admit that! It's a roller coaster, filled with ups and down, flips and flops, curves, and slides, but it is all worth it. It seems that it isn't but it is. As you know, my biggest issue is all of this student loan debt that I have accumulated over the last years and still haven't completed this PhD, go figure. In my mind, I'm over it, but I know this is something that I need to complete one way or another. I do know that my topic will have to be started all over due to the program not being in use anymore. Knowing what I know now, I may not have consolidated my loans because they fall off after 20 years. Never was told that!

Working on getting the house in order. Still need to get the last 2 rooms redone plus the hallway and I'll be finished with the back of the house. Then to the kitchen. It's a work in progress and I can do it. When the dust settles, I will inquire about refinancing my house. When that is done, all I will have to do is pay for 15 more years instead of 20. The house will be paid for by the time my baby is 15. That will be a complete blessing.

Paying things off seems to be the story of my life. Never seem to get there. Always something.

Medical: 5,683 (200 a month)
Walden: 6,597 (75 a month)
Navient: 10,429 (75 month)
11,162 (25 month)
Fed Loan Serv: 172,475 (25 month)

By the end of the month the medical will be down to $4083, I may put half of it toward that debt. Depending on how things are looking at the end of the year. Walden should be paid off by December 2017. The goal is to eliminate as much of this debt as I can and still not accumulated anymore. That will be the hard part. Looking at the debt like this makes me feel great that I can see it, but knowing that I did this to myself makes me feel some kind of way. Hindsight is 20/20.

Having the Mini Cooper is great, but now that I have this little boy, it is a little too small for the both of us. Really looking into getting a new vehicle at the end of the month. Paying cash for it, no more than $12,000 I want to spend. Also, was supposed to go to the salvage yard today to see about getting rid of Liam. He's been in the front yard since last year. It's time to let go.

In my mind, that will be the start of letting go of many other things in my life. I feel stifled, holding on to past things that serve no purpose in my life. Let go of things that wish me no good, because I am blocking blessings.

Life Goes on no Matter What

noreply@blogger.com (bettysonly) — Mon, 28 Mar 2016 18:24:00 +0000

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.

New Year, Same Old Thing

noreply@blogger.com (bettysonly) — Wed, 13 Jan 2016 15:55:00 +0000

Happy Happy New Year! There are so many good and not so good things going on. Let's see my credit score has dropped something serious. I have paid off Marybelle, that's $450 to debt. Things are working themselves out. 2015 was a different year for me. Having to adjust to being a new mom says it all. I never thought this would be my reality, but it is.

Looking back over all the years. The fun, sex, relationships, useless things that have gone and really didn't mean anything. What was the purpose? Back then, I should have been an international traveler. Instead of trying to have all the sex, or make this relationship work. I should have been purchasing real estate and filling up my passport. Which by the way, I haven't gotten the first stamp in it. Go figure.

Being 40 has made me realize many things about myself.

loner
kind
giver
caring
emotional
lovely
adventurer

Just to name of few. Right now, of course, I am where I thought I wouldn't be. Living in one of my rental properties understanding that it is time to move on to something else.

What have I been doing to make things better?

pay off student loans prior to 1995 so I can get teacher loan forgiveness

1638 and 3600

contact private loans that are with collection agency to see about updating credit information
working on getting house ready for when I move
paying off credit cards
pay off medical bills
save something monthly

Last year was really different. Getting adjusted and making sure that I had enough. Losing myself and now trying to get her back has been a journey. Also, yesterday, my new furnace got put in, that was $1400. Not thinking that I deserve better has been an issue, but overall I been staying above water.

This credit score has dropped below 600 and that's truly sad. Wanted and needing to move is something that is seriously on my to-do list. Having this baby has really put many things in perspective. Also, like I stated earlier, so much time, energy, and money wasted on worldly items. Where did it get me, not where I thought I would or should be.

Another thing, not graduating with a Phd has done something to me. All of this student loan debt and to not have a degree, what a waste of time, energy, and other peoples money. Now, what do I do? Suck it up and make a change, where change is due.

Today, I will write a letter to the credit agencies where these default student loans are and see about making a payment arrangement to bring these debts current and put them in good standing. It seems I'm always robbing Peter to pay Paul, but I'm here and I'm making it, is all that matters.

Not going to worry about past decisions, or mistakes. All I can do is stay current and make it better. Swimming in debt will not be my future. Things will get better and I'm determined to do it.

Life is Really Different

noreply@blogger.com (bettysonly) — Sun, 26 Jul 2015 16:01:00 +0000

As I lay here I am thinking that my thoughts, actions, place of interest have changed. Does it have something to do with the little one or my place in life period? Who knows, but for whatever it's worth, they have changed. Along with a few other things. My thoughts are on retirement, as I am closer to ending than beginning. Who would have figured? Not I said the cat, but it is slowly appearing. There are ends that need to be tied up, things that need to be handled. Chaos is my friend and I don't know how to shake him. He's always there lurking in the corner on the floor, just chaos. These are things that I have brought on myself, fixing them or getting a handle of them is the first step.

Interested in learning about the stock market, wanting to diversify my portfolio and get a handle on my and his finances. This summer I neglected a few debts. My fault, not because I didn't have the money, just didn't pay. Go figure. August is going to be filled with catching up and replacing money.

Things needed to do
Get carpet taken up in hallway replaced with wood or pargo (spelled)
Candle room painted
Central heat fixed
Flooring in kitchen
Countertop
Door candle room
Door hallway

Pay car note
Call Navient
Credit score situated
Sell Land Rover
Get Mini fixed
Refinance house

I am closer to retiring and there is so much that I haven't done. Looking into investing, learning some new things. There are many years left, God willing and I need to get things in order. Now is the time to begin. Take it slow and sort out my money. Mutual funds, stocks, things of that nature. Work with me as I learn. I'm going to take it slow.

Do I Deserve Anything?

noreply@blogger.com (bettysonly) — Fri, 12 Jun 2015 15:58:00 +0000

As I sit and wonder about my life and the things I've accomplished and haven't. I wonder do I deserve anything better than the things I have achieved? Wanting so much more for myself and the baby, but life is hard and the pickles I have gotten myself into make me wonder.

It seems I try all for nothing!

There's a Land Rover that is not functioning anymore that needs to be sold
A house that needs to be rented
A house that I live in that needs to be fixed, the mortgage is too much and I'm ready to move
A dissertation that needs to be written, but I can't afford it because I have exhausted my financial aid
Mini Cooper that is almost paid for, but has several issues

This is the story of my life. It seems so hard, but it really doesn't have to be. Issues on top of issues keep coming out of no where and the main objective is to stay afloat. There are things that need to be done, but there's something in me that says self sabotage is the best option.

Cancel insurance on Land Rover, waste of money
Rent out house
Clean my house
Get grass cut
Get caught up on student loans
Put back money that I have taken out

Looking at my house, it's depressing, it needs to be organized and cleaned, but it's mine. The neighborhood is crazy and I want so much better for him, he deserves it and I do too, don't I?

It is hard to save money and there is so much that I have wasted and blown over the years. Now, it's do or die.

Save $7,000 a year
Save enough money to move next year
Get credit score higher so I can move
Believe I deserve everything that I want and desire

In a couple of months I will be 40 years of age and it is a blessing to have seen 39 wonderful, but challenging years. It only gets better, right? That's what I'm hoping. I've made it through some trying times, and I do believe I'm here for a reason. What I need to understand is I'm worth everything that I want. Plus, this baby deserves more.

If not today, Monday, I will go in and cancel my insurance for the Land Rover. Also, before the end of the month the house will be rented. Plus, my house will be kinda clean. You read that, kinda clean. I will also call to get my grass cut. As a matter of fact, I'll make that call now when I finish writing this.

In all honesty, I'm at the half way point in my life and at some point I gave up on myself and my life. I don't know if it was the break up, break ins, thyroid cancer, survival, situation, or the baby, but life for me changed drastically. My emotions have been a roller coaster. Sometimes, I don't know whether I'm coming or going.
Finances are another aspect of my life. It gets good and then bad. The worse part of my finances are the student loans. There has to be something else and this has to get better. These student loans will not get the best of me. It does make me sad.

This is my life and it will get better. I do believe in myself.

Reviewing Things

noreply@blogger.com (bettysonly) — Tue, 02 Jun 2015 00:44:00 +0000

As I think about my life I am truly blessed. I am still here. Once upon a time I had this spirit that would do whatever I wanted whenever I wanted, that girl left. Where she went, I don't know. The thing that is crazy are the decisions that I made really weren't the best. True, what goes up most come down, that I completely understand.

Bad decisions
Liam should have been sold a long time ago, now I don't know if I'll be able to get rid of him.
Marybelle, it rains in her, I can't use the key to unlock the door, and now my seats will not move.
My house, in a neighborhood that's all I say, cost to much, interest rate high

On the other hand, I was able to do all of these things. Now that 40 is coming fast, I feel that there are several things I should have done, but didn't do. It's not the best feeling. One thing I can say is I have learned from my mistakes and all I can do is try to make them better.

It's the summer time and there are things I want to do.
Laingley's 1st birthday party
take a trip in July
get house together
take a mommy and me swim class
take him to the beach

All of this takes money, did I mention that I dropped my phone again. It never fails, there is always something. On a brighter note, I do feel better about myself. I've decided to do the things that I have failed to do. For instance, take a drawing class. I also want to take sign language.

I'm taking one day at a time, that's all I can do. Tomorrow isn't promised I know, but I have to make the most of it. I've gotten over myself and I must stay that way.

Spending Spending Spending

noreply@blogger.com (bettysonly) — Thu, 21 May 2015 16:38:00 +0000

Do I set up a payment plan with Navient or do I just let the loan do what it's going to do? That is the question of the day. I have the money in my other account, but it is already below what I started with. I've paid my mom and a few other things. To be honest, I'm glad of the things that I've accomplished, but there are goals set.

Navient (student loans)
To be honest, I really don't understand why student loans have to be such a bother. Yes, I needed the loans to help pay for school. Yes, they did what they needed to do. Yes, I understand that they have to be paid back. What I don't understand is the harassment that one has to endure when owing them. It is awful and I'm sad that I was in a position to need loans in order to afford school. Also, the interest rates are ridiculous. No matter what, they have to be paid off. I will make a call to set up a payment plan. It's not in the cards, but it has to be done, no matter what.

Due to the student loan issues, my credit score has been dropping, slowly, but surely. Trouble don't last always.

Things to do today
Get Liam $545.00, found out that he needs a new motor, that's not in my budget. Either pay $4,000 for motor replacement or $1,887.55 for issues and that's not guaranteed that the problem will be fixed. So, it's time to let it go. I have to pay for the repairs and it's still not going to work. Very very sad I know, the story of my life it seems. On another note, once Liam is sold, I'll put that money toward paying off Marybelle. I'm asking $3000, but under the circumstances, I'll take $2,000. Putting $1,000 toward Marybelle will make me owe less of course. I'll have it paid off sooner. Once she's paid off she'll get sold too. I'm ready to let things go and move forward.

I have been spending unnecessarily, but I have been getting things for the baby. When the winter comes, he will not need anything. I'm glad of that. I found Thredup.com, a second hand store that offers clothes for babies and adults. That's going to be my go to, plus JCPenney's for my babies clothes. I have to have enough for all times. You never know what will happen.

For the next few weeks I have to have enough. June is coming fast. Make sure my bills are paid. Have enough money for gas and be able to put back what I've taken. It seems, I never have enough. Robbing Peter to pay Paul isn't a good look in this time and age of my life.

Things I Am Going to Do
Pay off Marybelle
Get floor fixed in house
Get student loans under control
Increase credit score
Move
Put back what I've taken away
Continue to put money away for him

June
mortgage
car note
student loans
cruise money (200)
babies party
credit card (First Premier and JCPenney's)
take baby to the beach

I see me, I see my life, I see my struggles, I see my successes, I see my pains, I see who I am, I see what I'm capable of, I see me. The issues are real and able to be handled, I'll make it through. Yes, I can.

Life

noreply@blogger.com (bettysonly) — Wed, 20 May 2015 18:22:00 +0000

Life is what you make it and I think I'm going to make it better. I posted Liam on Craigslist because there are several things wrong with him. It's so sad, but I am in a state of letting go. Letting go of my past and making better decisions. It has to get better. First, I have to pay $540 to get him out of the shop and there are other issues. He may need another engine. I feel so sorry for him, but life does go on.

Called yesterday to inquire about consolidation. That was a very good call. I went to studentloans.gov and signed up to consolidate my student loans. What's very interesting about my case is that I have loans prior to 1995. With that being said, I should be able to get a loan reduction for working on Title I schools. Since this is my case, no loan reduction for me until those loans are paid in full. I had those loans isolated so I can pay those off individually. Looking forward to getting that done.

This month has been full of money coming out, but I'm glad to say I have actually gotten many things done. I've been in a rut and it's time to get out of it. Doing what is right by myself and my baby is all that is important. When someone is constantly asking for me to help them, that is taking away from me and my baby. More or less robbing us blind.

I want so much more for him. A better house, in a better neighborhood. I deserve that and so does he. Even if I have to move away from my mom. I just feel safer being closer to her. I'm grown and have to let go of those strings.

One day at a time is all it takes. Just one, one day at a time! Continue to do what's right. Make better choices and put money where it will work best. Let go of my past mistakes and never look back. That's how accidents happen, looking back.

Fifteen years, there are so many things that can happen during that time. You blink and that time has passed.

Things that need to happen
Continue paying off student loans so they don't go into default
Refinance house so it'll be paid off in 15 years
Move to a better neighborhood
Continue to cut back
Get Oneal Street rented out
Trees cut in backyard
Floors fixed/replaced
Paint side room
Continue to thin house out

I'm old enough now to realize my errors and how to make them better. I've cut back enough that I can really see the difference in my income. My baby is going to grow and get bigger and more money is going to come out. That's one reason why I must make better choices. I had a large amount of money and due to paying things off that has been dwindling down. I still have a little extra, but not what I once had. Here's the opportunity to make up what was once there. In due time, it's alright and I know it is.

Making Subtle Changes

noreply@blogger.com (bettysonly) — Mon, 18 May 2015 16:52:00 +0000

Coming to terms with my reality has been a learning lesson and a bunch of other things. I have been thinking seriously about letting go of both vehicles. That means selling them both. The Land Rover (Liam) needs some work and so does the Mini Cooper (Marybelle). Something has to give. We need something that we can fit in comfortably, low gas mileage, and can serve the purpose of us. What kind of car would that be? I don't know, but I know I want to pay cash for whatever that may be. At the same time the house needs to be repaired. I did get a few things done a couple of weeks ago. There are still several things that need attention. The only thing I can do is take one thing at a time.

See what's wrong with the flooring
Get another tree limbs cut (from in neighbors yard)

The major thing is reduction, getting rid of things that aren't needed anymore. My how the pendulum has shifted.

As for the flooring, he's going to have to go under the house to see what the problem is and we go from there. I have to have enough to survive.

Going to have Liam towed today to see what's wrong with him. The towing is free and the consultation is too. That's good, now to see how much it's going to cost to get him fixed. Once he's fixed, I will not drive Marybelle for a while until I have enough to get the seats repaired. I only owe $3283 on Marybelle. I'm so ready to be done with that monthly bill. See what a mid-life crisis will do for you. Bad choices.

During my break:
Get Liam towed
Call student loan companies to see about consolidation and cutting late months
Call First Premier to get another card
Call Greentree to find out about getting rid of 6 missed payments on account

Student loans
I have them, misused them and took them for granted. I'm here now. Do I need to finish my PhD program? Yes. Do I have the money? No. When I finish, my pay will increase by about $12,000 a year. That's about $1000 a month. That would be great. Right now, I don't see how this can be done.

Where there's a will, there's a way. I will continue to pay what I can on these debts and move forward. Going to call today to see what I can do to get these things under control. This is the reason why my credit scores are having a hard time. Live and learn.

I'll admit, I have been down on myself lately and don't know where to turn to make things better. What I do know is I don't need to create any more debt. Get out of the debt I have. Move forward and make things better for the long run. I'll be just fine, we'll be just fine. I believe in myself and this journey that I am on. The first steps are knowing and second is doing something about it. Focus on the problem and make it work.

I got this. Sometimes it seems I don't, but it will all work itself out. Trust!

Dripping Like a Running Nose

noreply@blogger.com (bettysonly) — Thu, 14 May 2015 02:31:00 +0000

There have been many things going on:
Baby Showers
House Warming
Many other gift giving events

For me:
Fascia board replaced
Tree Limbs removed off back of house
mother's day gifts several
dropped my phone again today

Credit score dropped. I did get a refund from the bank issue. Life happens as always. I'm a worrier and this baby has only made it worse. My emotions are all over the place. Maybe it's the baby, maybe it's my thyroid, maybe it's my life. I don't know, but regardless, I have to get it under control.

Cutting into my savings, I am almost at $1000, that's not good. Now, I need to replace that money that was taken out. It's going to take time to make that happen. Been seriously thinking about selling Liam. That money could go to paying off Marybelle. In the meantime, Marybelle is having issues. That's crazy still paying off the car and having issues with it.

As of today, no more money coming out. Unless, it has to do with food or an emergency comes up. Also, tithes. Things will be fine, I don't believe that all the time, but I know it will.

Next steps
Flooring fixed
Another tree limbs cut down
Bulb replaced and cover on Marybelle

Overall, I am glad that I have been able to handle all of the responsibilities. Having this baby has made me view life much differently. I'm able to take care of him and my other obligations as well. I am so thankful. I could not have ever imagined that this would be my life, but it's mine and I love it.

I will be fine!

I Got This

noreply@blogger.com (bettysonly) — Mon, 11 May 2015 19:41:00 +0000

Of course, life keeps happening whether I'm with it or not. The other day, I got pulled over because my tail light is blown and busted. How long has it been this way? For years, but it's time to get on the good foot and make things right. No, I didn't get a ticket, I got a warning which was a blessing and I completely receive it. The next thing that happened. I was overdrawn in my account. Why? Nelnet took too much money out of my account. It probably was my fault, but it wasn't right. The manager wasn't acting concerned about it. It took a teller to assist with the situation. If it was up to the manager, Nelnet would have refunded my money, that would have taken 4-6 weeks. This made me have to go into the savings which I'm already down due to paying my mother. It's alright, I've been blessed tremendously and I am thankful.

Currently, I am working on my home. I'm glad that I have the funds to get it repaired. My fascia board is really bad, over the years, squirrels have been chewing and making it look awful. By the time I get off work, it will be fixed. Yes, to that.

Also, my house had a gas leak. The gas company come and turned the gas off at the heating unit. It doesn't have to be fixed until the fall. That'll give me some time to get that done.

Next things
Flooring inside house (front room, kitchen)
House painted
Trees cut around the house

My cars
Liam repaired (towed)
Marybelle tail light and cover, seats fixed, headliner

No matter what, life is going to happen. It's a matter of how it is handled. I'll admit, I haven't been on my Ps and Qs, but there is always a season. It's the season to get things done. I have a plan and I am going to make it work. I listen to many adults and I am proud to say that I'm going to be just fine. No matter what, I got this. Many times, it doesn't seem like it. I get down and out because I want help, someone to come and sweep me off of my feet and handle all of my responsibilities. That isn't my reality. In the meantime, these things have to get done. It feels good when my business it taken care of.

Plus, I have a little boy that I must take care of. He's here to stay, no matter what. The house is in disarray, there is only time to get it together. Also, I have to get my car cleaned, it is awful. This is my life and I got this. It feels like I don't from time to time and I do feel like I'm going to lose it, but again, that's life. I deserve a standing ovation, pat on the back, something, but I'll give it to myself.

When things get tough, wipe it off and keep it moving. I'm going to be alright.

Things to do
Continue paying student loans
Save money, save money, save money

I'm alright all I need to know is that!