My Financial Success

Things Tend to Work Themselves Out

noreply@blogger.com (W Jackson) — Tue, 18 Oct 2011 18:42:00 +0000

The last few months were a mess for me, I didn't know whether I was coming or going, but now EVERYTHING IS DIFFERENT NOW. One may ask, what is so different? I have decided not to worry and do what I can with what I have. No need to worry, because things tend to work themselves out one way or another. Still behind on my mortgages, but I'm alright with that. By the end of this year everything will be much better than it was.

Things that still need to be taken care of:
cable bill
ADT
overdrawn in my account again

Really sick and tired of being sick and tired. It seems that I keep making the same mistakes and getting completely no where. What seems to be the problem? Holding on to the past, these are things that I can not change. I haven't realized that I can do and be anyone that I want to be.

Next Steps
move from where I am
get burglar doors
keep putting money into my accounts
stop worrying

Don't know what to say or do, feel sometimes that I am not worthy, but I know I am. As always this is me venting!

This is the Skinny

noreply@blogger.com (W Jackson) — Thu, 06 Oct 2011 21:20:00 +0000

Have cut all ties with the house on Colorado Street. Staying with my mom, feel such like a loser. Paying off bills, but not doing that in the correct order. So, so very sad. On a lighter note, I feel free from all of the stress that I had this time last month. Follow me, you know sometimes, my writing is sometimes random. These are the things I need to get done. Also, I was told that I am lazy and I am not retired. I truly understand what that means. I do things at my own pace. Not anyone elses. I have also been told that I am a free spirit, whatever that means. I guess I can look that up.

Behind on mortgages
Power
Cable
Car note
House repaired on Fisk
Find me a place to stay: This is really not working for me!
Get business license for WJJ Properties
Put houses under LLC
Doctor Hospital
ADT

Slowing down has really help me get it together. I know I have potential, it's just tapping into it. It seems that I keep making the same mistakes. A budget is in my future.

November bills
Mortgages
Power
Car note
House repaired on Fisk
Have to find me a place to stay by February

Of course these are random thoughts, but last month was something, a big chaotic mess. That landed me to here. Make it work is what I say! It's a long journey, but I will make small steps to get where I need to be.

Also, good tenants!

Been Thinking Earlier Today

noreply@blogger.com (W Jackson) — Sat, 10 Sep 2011 18:05:00 +0000

Almost finished moving everything. I decided to leave the refrigerator and stove in the house. If someone comes and steals it so be it.

There are a few things that I have discovered throughout all of the things that have been happening!

Attach to nothing
Slow down, don't make the first decision that comes to mind. Sleep on it and come up with a decision the next day.
Worry not, things have a way of working themselves out
Let people help me
Shop around. Don't always jump on the first one. Get bids, don't just tell them they have the job
Stop spending so much, take my time in making decisions
Be honest

What will happen is going to get a for rent sign and put in the front of the house.
Write letters to the mortgage company asking for a better interest rate and a grace period
Disconnect the utilities, all of them

As I come up with ideas I will post them. To some extent I think I am crazy, but not as crazy as others. Will work toward purchasing these properties and keep it moving. Thanks for reading!

What Am I Doing Wrong?

noreply@blogger.com (W Jackson) — Sat, 10 Sep 2011 11:32:00 +0000

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.

This Too Shall Pass

noreply@blogger.com (W Jackson) — Sun, 28 Aug 2011 16:24:00 +0000

Things are happening so fast and when something gets fixed something else goes wrong. What is the problem? The house on Fisk has a terrible problem. It is not that bad because it can be fixed, just now it's going to cost more than I anticipated. The life of a property owner.

Issues on Fisk
The entire wall has to be replaced in the bathroom
Plus some of the floor
The water pipes are leaking in the bathroom which is connected to the kitchen need to be replaced
Floor in kitchen has dropped has to be replaced

Ontop of all that, the next door neighbor has been complaining about the trees in the backyard. I removed limbs that were on this shed. There are still some hanging over the shed, but not on the house.

Not worried about anything. Tomorrow is my birthday, I will be 36. Looking toward making my life better, making the right decisions and bettering myself. There is truly nothing wrong. I may have bit off more than I can chew, but one thing I realized. Will this matter this time next year? No, because if not in Septemember the house will get rented out.

Last night, I sorted out my plans to see how much money I actually spend out every month. I am not doing the things that I need to to ensure that Financial Success will be mine. That is all changing! Taking my time to sort out the important things. I have goals and in order to achieve them there have to be some drastic changes to be made. I will make them and keep it moving. I will look back and so I have achieve the goals I have set for myself. No need to be upset and angry for the mistakes that were made in the past. Correct them and move on.

Also, looking to form a LLC for the properties, must seperate the finances and move from being a landlord to a business owner. The LLC will be WJJ properties.

Blessings Come in Disguise

noreply@blogger.com (W Jackson) — Sun, 21 Aug 2011 14:53:00 +0000

Yesterday, a friend invited me to her house. I didn't know why and to be honest, I wasn't going to go because I was tired and needed some me time. Of course, I went anyway! The purpose of her inviting me is that her son and his family was in town and she didn't want to be there with people she wasn't that familiar with. She invited me and another one of her friends. I have seen her before, but never engaged in conversation. Yesterday was different. We talked and come to find out she has properties too. She older then I and didn't get her first property until she was 40. To be able to talk with someone that has the same interests and more knowledge is a blessing. We talked for hours, and she gave me insight on things that I need to do to better my game. She told me that at this point, I am just a landlord and now I need to move toward being a business woman. I am so thankful for this advice! That truly was a blessing that I didn't see coming. I receive it and will make the changes she suggested.

Suggestions
Find the best free checking account with the banks I am affilliated with
Get one checking account for real estate and see if I can get a credit card
Get an LLC
It may be cheaper to put all properties under one insurance company
Get title insurance for properties that are being owner financed

She gave me her number to call. Not going to be overbearing, so excited about what I learned!

The other day when I posted, I was not in a good place. I was uptight and nervous about my financial obligations and decisions. In my mind, I have sorted out what are the best options for me at this time. For instance, I have Ike coming to redo the entire house on Fisk. There is a for rent sign up in the front. I went over there yesterday and sprayed while Wilfred put the deadbolt on the door. That is something I need to do daily, spray until the house is clean of roaches. Overall, the house isn't messed up. She smoked so it has to be painted, the tile in the bathroom needs cleaning or replaced, the is a running spot on the carpet, and just cleaned to make it liveable. This should be done by the end of August.

My house on Colorado, I gave him an option of allowing me to pay him a monthly payment since he was losing money on the house and take it off of the asking price. He said he would have to think about it and probably redo the contract. In my mind, why redo the contract when we just change these things later. Then I had time to think with a clear mind and decided that that wasn't a good choice. The reason being is that there are many things that need to be repaired on the house on his end. I am purchasing the home owner finance and he hasn't checked my credit score or anything and my monthly payments will only be $500 a month. Plus, the property in the back rent will come to me. Then the house under the hill once I get that up and running that money will come to me as well. Back to what I was saying, I am not living in the home. My stuff is there and I am moving things around, putting stuff up, finding out what works and doesn't. The reason I changed my mind is that many things that he said worked doesn't. I don't want to close on a house that isn't totally functioning the way is should. Be it that he doesn't live in the city, he hasn't had time to fix the things he said he would fix. With me plugging things up, I found out that the dryer electrical plug doesn't work. I had the cable installed and where the line is coming in that electrical doesn't work. The front door lock needs to be changed and overall all the outlets need to be working before we actually close. I am aware of the things on my end that need to be repaired. Another thing, the hot water heater doesn't work, it is missing a key component. I scheduled an appointment for the gas to be turned on, but it couldn't because something is missing from the unit.

Tomorrow, there are many things that I need to do to make things better. Thanks to the advice that was given. Really needed and appreciated! Changes are coming and they are for the better. I will take my time to get things done and not beat myself up for the mistakes I have made in the past. It is gone now and I will do better with what I have.

These are videos of the houses. Like I stated, they need work and I will make it happen.

As I stated, I was in a bad place the other day, but now things are better. My mind is clearer and there is focus on doing bigger and better things. I can and will be successful!

Continue to Make the Same Mistakes, but Keep Moving Forward

noreply@blogger.com (W Jackson) — Fri, 19 Aug 2011 01:22:00 +0000

For the past few days I have been in a kind of odd place. My emotions are under control, but I can't seem to focus on the things that are important. I have made many changes and paid off many of the debts I owe. There is another issue at hand. Many of the habits that I had have ceased and that is a wonderful thing. Don't really like talking on the phone anymore. I would rather text or send a message on Facebook or Twitter. Overall, I guess, I have downsized my surroundings.

I moved into the new house, but I am not living there. There are some things that need to be fixed before I can actually live there. Well, to be honest, we haven't closed and I don't want to be living there without having completed our contractual agreement. As I stated in a previous post, I finally realize that I have money so that means that I go to the ATM and withdraw money for no reason.

On a good note, these are the good things that I have done

Paid off all utilities from Parkchester

Paid for speeding ticket

Paid car note for Marybelle

Bought paint for my new residence

Got front of Fisk organized

Things that I need to do

Get new house fixed to move in

Get Fisk straight for someone to move in

Get heater taken out of Oneal Street

Squirrels in house on Parkchester, get hole fixed

Save $5,000 so that I can close

Pay rent for Fisk and Parkchester

Get tenant for Parkchester

Frustration was my friend the yesterday, I felt like I have taken on to much. Like everything in my life I am my worst enemy. Had the money spent the money or wasted it. No need to worry, because tomorrows coming regardless. This moment will pass and everything is going to work itself out.

These are just my thoughts and me venting. On my journey to owning 10 houses before I'm forty. There are many good things that I have accomplished, but there has to be more and it will.

I'm Moving On UP

noreply@blogger.com (W Jackson) — Mon, 01 Aug 2011 23:41:00 +0000

Things are looking up for me at the moment. Life is great and I am finally making progress toward the things that I want to do. I am so proud of myself and I have been smiling now for the last couple of days. Who would have thought? To be honest, this entire summer has been filled with many mixed emotions. Crying, not working on my PhD, eating, and doing other things in excess. I forgot to remember that all things need to be done in moderation. To account for the excess, I have a cold nodule growing on my thyroid. I have an appointment tomorrow to find out if or when I will have surgery to have it removed. One way or another, it has to be removed. There is no worry in my pertaining to this situation. All things happen for a reason and I do believe this is the outcome of all the worrying I have been doing over these past two months.

In the process of purchasing the three houses for $48,000 with $5,000 down owner financing. The main house I will be living in that. Never have I lived in a house that I have owned. This is a big step for mankind! The house in the back is already rented out. With my other home and the one in the back, I will not have to pay my own mortgage. So very excited, really not trying to pay a mortgage out of my own pocket since I haven't paid one since 2000. That wasn't a mortgage, that was my rent.

Once this purchase is complete, I will have a total of 5 homes not to include the one I manage for my mom. There is a for rent sign out here now, I do think I have someone to move in for $450 a month. The move in cost will be $900. I can use this money to pay my mortgages, fix up the houses, or use toward my $5,000 deposit. Trying to decide which of these is a better option.

On the downside of things. I made a big purchase last month. I bought the Mini Cooper, the car of my dreams. Why? Because I was bored and felt like many things were missing from my life. I know that financial purchases don't satisfy that emotions, but it felt good to step out and do something that I wanted to do. Now, I am feeling it. I ran into a few financial issues.

Speeding Ticket
Tag for Marybelle
Marybelle's car note (mini cooper)
Power bill
water bill
ADT
First Premier
TMobile
Closing on the houses

Did I mention the bills from the other house? Now the only other thing to do is organize my next steps. Haven't worked on anything pertaining to my PhD and time keeps on moving.

Next steps

Prepare to move
Pay the bills

I am working toward being a better person and achieving all of my goals.

Days Go By

noreply@blogger.com (W Jackson) — Thu, 07 Jul 2011 23:23:00 +0000

Here I am laying on the floor with the television on mute, just being. I love my friends, each and everyone of them. They all have something different to bring to the table, and yet they are all honest and truthful about who they are and how they view things. I am thankful to have them in my life. It is going on two years of a complete change in my life and I still haven't come to a good place with it all. Regardless, there are still some major changes that need to be made for other things to enter my life.

I feel like something has been snatched away from me. My motivation, spunk is gone. I have mentioned being afraid of success and that I am. Constantly beating myself up for not being this person that I think I should be. What am I afraid of? Only I can give the true answer, but is it one that I am afraid to reveal even to myself. That is an interesting question. Khristy told me today that I should be open to receive all of the blessings that are out there for me. Is it true, that I could be blocking my own blessings? Am I afraid to receive what is truly out there for me?

No matter what, I get that I am not your typical 35 (soon to be 36) year old woman. There are many things that seperate me from the masses. I am a different breed of lady. And yet I don't know what I deserve or want out of life.

Remember I was supposed to have close to $10,000 don't have it, bearly have $5,000. Be thankful for what I do have. Ontop of all that, I am going to New York for a family reunion. I sent a request out of Couchsurfing, hopefully she will respond. I haven't gotten my ticket yet either. Did I mention, I have to rent a car too. It never stops.

Everything will be alright, where there's a well there's a way. Random thoughts, thought I would share.

Cheers

My 100th Post: Things Happen For a Reason, Eventhough We May Never Know Why

noreply@blogger.com (W Jackson) — Fri, 24 Jun 2011 16:23:00 +0000

Wow, really 100 posts, I can't believe it. Many things have ocurred since the last time I posted. To be honest, I don't remember what that post was about. Currently, things are moving forward. Haven't really done much. Living is what I've been doing. I will admit that I have been spending unnecceraliy. It is awful.

I tried to purchase a Mini Cooper, but my credit was bad, due to paying the mortgages late and having a couple of doctors bills. Like always, my credit isn't bad for real, the only things I have on it or my student loans, the mortgages, and a few loans that are paid off. I forgot about the credit card that only has a $300 limit.

There are a few bills that aren't needed for instance, internet on my phone. I can't get all sites and it is a waste of money. I do use it from time to time, but not as much as I am paying for. Been on a few trips here and there. I did invest in myself by going to a residency in Houston. The most expensive part of the trip was the plane ticket.

Last year, I was trying to get these houses for $45,000. That is in the works, but he went up on the price. Awful, but the process has gotten started. Realizing that I am not getting any younger. There has to be another way. Thought it through, the tenant in the back will pay his rent and that will go toward my mortgage. The money made at 637 can also pay the mortgage, so truthfully, I will not have to pay my own mortgage. I plan to live at the new house for a few years, maybe 2. Will see how the wind blows.

Overall, it is the same below are my bills. Also, I disconnected the utilities at 637 and cut the rent to $750. Something that I have to get in my mind is that I am a business women. Regardless of all of that, that is what it is. So, I need to make my money work for me. Look into some other options. It is hard trying to save, but it can be done. There are many things that I am doing that I shouldn't be or things I should be doing and I'm not. So sad, I know, so sad.

US Dept of Edu
Tax Lien
Wachovia
ADT
First Premier
Got to have $5,000 for down payment for homes. Want to borrow off of the $5,000.
Save ontop of all that
I have 4 bank accounts, I can afford to deposit $50 into each account monthly

Next steps, sort out what can be cut out. Make sure I have enough money to sustain for each month. I know I have the money because I keep spending it. Also, I haven't done anything on my school. Nothing, need to add a few pages to it and make some changes. Just don't feel like doing the work. Again it comes up, am I afraid of success. Yes, I am. After I obtain the PhD, what next? Stop making excuses is what I need to do and just do the damn work.

That is everything that has been going on. I will try to not be gone for so long. Maybe I was embarrassed about the things that have taken place. Throughout all the changes, I have learned not to look back, hold grudges and beat myself up. Can't change the past. Stick with me Financial Success Will be mine soon.

It's Another Year and What Will I Do?

noreply@blogger.com (W Jackson) — Sun, 09 Jan 2011 19:45:00 +0000

2010 was a year of change for me and it is still changing. Financial success still isn't mine, but I am learning daily what and what not to do. To be honest, I can see where my problem is. The thing is that I have gone through a separation and I am still recovering from that. Within this time frame I have accomplished a few things.

Accomplishments
KAM I-approved
LA II & III-approved
finances in order (I was overdrawing constantly)

2011 Goals
save $1,000-$1,500 a month
complete KAM II February
complete KAM III April
start of prospectus May
dissertation June
$7,000-$10,500 by June or July
move by June, July, August
purchase home for $7,000 or $10,000
residency June
residency in between September -December

Thank you, thank you, thank you! I have learned over the years that a mortgage is over rated. Don't ever want one. So the time is now for me to get this thing popping. No more over spending. Another thing, I do believe I have to file for an eviction. What's crazy is my tenants son and other boys were the ones that broke into my and neighbors homes. Since we don't have school tomorrow that will be what I do. The economy is bad and I have never had a home on section eight, but I think this is the route that I'm going to go this time. More money!

Due to my separation I got in a really low place. I wasn't paying my bills or the houses bills, utilities were getting turned off left and right, now I am getting back up. Things are working themselves out. Never again will I get to that low, it was awful. What's funny, I haven't paid the mortgage yet, but I have paid all of the bills except the cable and gas. That will be done tomorrow!

The plans are big, and doable. There's a house around the street, he wants about $10,000 for it, I don't think it's worth that much. I don't have to live like the Jone's. Again I don't ever want a mortgage again!

Days Keep on Slipping

noreply@blogger.com (W Jackson) — Tue, 09 Nov 2010 14:24:00 +0000

One day when this is well behind me, I am going to look back and smile. Smile because this situation is catapulted me to a better place a more peaceful and subdued environment. Speaking briefly about the situation. Maybe you have read this from me before, but I am tired. Tired of putting myself in bad situations. All of my life the same old things. Now, there's nothing. Nothing to be happy about, nothing to look forward too, nothing. On the flip side of that, there are many things to be happy about. I have my health, a place to live, my needs are met, there's life. So many things to be proud of. Just doesn't seem like that though.

This is my plan of action. Time waits for no one. This entire things has made me understand more about myself and others. No more will I be that same person, I deserve better than that. No more will I put others feelings in front of my own. Worry no more, everything will be alright and you will look upon this situation and know that it served a purpose in your life. It does and will.

Like I have stated previously, I am behind on many things. Bills ontop of bills is what I have. More or less I have gone through a divorce. Picking up the pieces, not knowing which way is up. Slowly they are coming back together. No where to turn, if things go wrong, I have to be the sole supporter of me. No more love from the other side.

Looking at things on a lighter note.

Bills
Power
Gas
Water
Knology
TMobile
Walden: once one thing is done something else always happens
First Premier
ADT
Tax Lien

There is something going on in my life. For the past year it has been a down hill spiral for me. The last few days have been strange too. Lost my license only to find it. Got pulled over only to get a warning. Car will not crank, have to get it fixed. Out and about and things took longer than they would normally. Now I'm back home to do nothing. My life has been a bunch of wo is me.

One day financial success will be mine. In the meantime, this thing called life is kicking my butt. What is going on in my life? Cleanse myself completely. No more bad things. Willetta, you will be ok! Trust that, it seems bad now, but everything has its purpose. You will be ok!

Not being able to focus on what's important has been a downfall of mean. At least the mortgages are paid. I'm going to wait to see what is wrong with Liam and how much it's going to cost to get him out of the shop. In my world, it just keeps on raining! Get it together girl, get it together!

Realizing Many Things

noreply@blogger.com (W Jackson) — Sat, 23 Oct 2010 13:25:00 +0000

Life for me has been a up and down hill battle. Being a product of my experiences and continuously doing the same things and getting the same results has gotten old. Facing the person that I really am has been hard. From October 09-October 10, things have been chaotic for me and only because of the decisions that I made. This is why I am where I am today, alone. Throughout this all I have not paid bills and just seem to be coasting along. The word for me may be depression, who knows. Like I stated before, embarassment is the key word. How could I? The audacity of me.

Currently, I don't know what my financial state is. I know that the water got turned off at Parkchester, not because I didn't have the money, but just haven't paid the bill. My existence is sad. The highlight of my day is none. I did pay the mortgages, so they are caught up.

Maybe I need to come up with a plan of action. Have no motivation to do that. What I do know is I need to finish these papers. Haven't done anything with school. Really feeling sorry for myself.

This is the last month for paying Ron. That is good.

Bills
Water
Gas
Power
Knology
TMobile
ADT
First Premier
Wachovia
US Dept of Edu
MEA
Tax Lien
Doctor's Hospital

Things I Need to Do
Get Motion Lights put Up
Turn in KAM I
Save Money
Put Liam in the Shop

No goals or ambitions nothing all of that has been taken away. Can't stay here forever, got to keep pressing on.

What's even got me is focusing on the things that aren't important. My life is what's important. This is my mothers house and I don't want to be here no longer than July. She was kind enough to allow me to live here again. So thankful!

Keep pressing forward and get my life going.

Just Floating on By

noreply@blogger.com (W Jackson) — Fri, 24 Sep 2010 20:46:00 +0000

Feeling embarassed about this entire thing. The place that I have created for myself. Growing up is something that must be done and I can't beat myself up for the mistakes I've made. The title of this blog is My Financial Success and to be honest I feel that I have none. There are so many things that have happened and I have not been able to get caught up. It is sad. Not and not knowing my financial state is a shame.

Confessions
Overdrawing in account every month

Goals
Get motion dectectors put up
Complete KAM I
One residency
Save $5,000
Pay off Wachovia $1900
Pay off Ron $1900
Get front yard landscaped
Purchase my own home
Purchase land
Get my mind in order
Change insurance companies
Get Liam fixed

Time keeps on passing me by. All I can do is shake my head. My Financial Success deals with getting my finances in order and paying off all debts. Also, Willetta Jackson being debt free. Owing no one. These are the debts that I have as of today.

Debts
Ron (November)
Wachovia (January)
SunTrust (October)
Bank of America (October)
US Dept of Education (December 11)
Tax Lien (August 11)
MEA
Student Loans
Medical Bill

In my mind, I just need to get my mind in order and focus on what's important. That is so hard. Just really don't feel like doing anything. There are so many things that I need to do and order to make things happen. For instance, complete KAM I, II, & III. Just can't seem to focus and sit down to write these papers. Was going to a residency, but had to cancel that due to finances. Another thing I am going to be fiancially stable to the point where I can pay cash for things and have no monthly payment. Can no longer live check to check. What is wrong with me? That is always the key question. Willetta what is wrong with you?

I Really Don't Know What to Say

noreply@blogger.com (W Jackson) — Wed, 14 Jul 2010 18:13:00 +0000

It seems that my wheels keep on spinning, no matter what. That is how life is. No matter what the time keeps moving forward. My finances haven't been the best lately and I know what and where things went wrong. There are many things that could have been done and weren't. On the other hand, there are many things that were accomplished too.

A few posts back I stated that my credit score had gone up, but now it has dropped. By how much I don't know. Behind 2 months on one house and 1 on the other. I believe that I have to pay 6 months to a year in order for the mortgages to be brought back to good standings.

As I type, the bathroom is getting fixed. So glad about that. The shower still isn't fixed, but now I can take a bath instead of a shower. Got rid of the pedestal sink and put one in with storage under the bottom. Also, used Goof Off to get all of that adhesive off of the ceramic tile. That worked. Changing the bathroom color too.

Just thinking about everything, there has to be a way for me to get back on track. It seems so hard and at times I feel lost. Spinning my wheels and not getting anywhere.

Haven't been working on the group home, slightly working on my KAM I. Actually waiting to hear a response from my professor.

Let's see starting today, what can I do to get my financial situation back in order.
Stop eating out
Return items not able to use
Put more money on items
Save something every month

Ron
Wachovia
US Dept of Education
Tax Lien

Things need to get done at the houses
1027: Railing for stairs on side
637: backyard leveled and jungle removed...privacy fence, ground fault receptacle
3210: motion detector light, handles fixed on tub

Having my passport has me seriously thinking of taking a trip somewhere anywhere. Being able to go to another country and see first hand how they live would be amazing to me.

Take everyday one day at a time. Get things done and put my best foot forward. I will have the mortgage paid for the month on the other house. So I will not be behind. The extra cash that I get will go toward paying Ron or something. Tired of being in this financial place.

This is what I will try to do. Write at least once a week to show some type of improvement.

Ok, And

noreply@blogger.com (W Jackson) — Sat, 26 Jun 2010 00:23:00 +0000

Every day goes by and it does get better, but it's not at its best. Realizing who I am and what needs to be done is a serious and daunting task. Being in the house by myself has made me realize many things. One, that I have to make a life change. Two, I was put on this Earth to enjoy it and not be a mess up. Three, it's up to me to make things right. Four, do something different. All of these things are of great importance to me.

Since the beginning of the month, I have been in a low place treading water. I am tired of being here. I have come to the decision that I will enjoy this place and make the most of it. I have been truly blessed through out my life and the blessings will continue to flow. Reading books about Buddhism has really helped me understand myself, others, and life. There are areas in my life that I have failed on the test, but there are others that I excel in. There needs to be a balance.

Today, I have no more cash at all. The good thing about it is I get paid Wednesday, the bad thing is I owe, I owe! Just like this month I made it, I will make it next month too. I used my credit card to fill up in gas. I took $20 and went to the grocery store. I only spent $18 and some change. There is enough food in the house to last me until next week. Good job!

There have been a few positive things that have happened:
applied for passport
Learning Agreement II approved
ordered books for last part of KAM I

So as you can read, I have not been just wallowing in sorrow! Yes, I have, but I have been doing things too.

Things I have to pay:
637 Parkchester
1027 Fisk
2 power bills
2 gas bills
2 water bills
2 cable bills
Tmobile
US Dept of Education
Wachovia
Ron

Things need to be fixed in home:
Cheap tile removed off of floor bathroom done
sink fixed and replaced done
sheet rock replaced done
faucet replaced tub

I guess I may be in this home for about 1 year. This is an income property for my mother and now that I am here that is $425 that she isn't getting per month. Truly, I don't want to be here, but this may be the best place for me. This is the second time around and there will not be third.

Time keeps on moving and no I am not getting any younger. There are things that will be done. I don't know how much money I owe Ron, but once that is finished I will start back saving. Five years until I am 40. Wow!

Another thing, wherever I go once I leave this house I will not have a mortgage! It is ridiculous how the housing market is. If the home is $50,000 when you finish paying for it, you will have paid almost $300,000. That is a shame! So I have learned that I mortgage is not the way to go. Or, I will just build me a house.

All I know is I didn't learn the first time, but I have this time! No longer will I spin my wheels to get nothing! I am fine, just have to except my place in this world and do the best I can! I am worth more than I ever thought! Thank you for letting me realize that!

Another Day is Here

noreply@blogger.com (W Jackson) — Wed, 02 Jun 2010 14:50:00 +0000

As you may know, I have been in a low place for almost 2 months now. I understand my wrong and what I did. Thinking back, I don't know where my mind was and what was going on. Quit honest, I am embarrassed to say that I messed it up. Things are different now. I know longer will be in that place. Seeing things differently now. It's like everything is on the looking glass.

Yesterday was not a good day for me, all I did was cry. I greatly apologize to you for what I did, I never meant any of it. I know now, that we had everything and each other and that was all that mattered. Yes, things weren't always good, but they were everything that I wanted. Thank you for that! Thank you for everything that you have ever done for me, the time, the energy the emotions, thank you! You took care of me and that is all that I could have asked for. Now, I am all alone, missing what we once shared. Never to return again and that is sad. Always looking for the next best thing when it was always in my face the entire time. Wow, how we don't see it until it is gone. Maybe one day you can find it in your heart to forgive me. Like I said before I know now.

Working on myself and being in this same place again is very trying. To say over 5 years ago that I will never do it again and to do it again is crazy. Always looking for the next best thing and it was there all along. Sad!

During this time, I have learned that everything I need is in me. Everything, my whole life has been filled with nothing but failure. One relationship after another, failure! Getting into one after another and never hailing from the first. Bringing those issues into the other. The cycle continues to repeat itself over and over again. I refuse to be a victim. It stops here. I see now. Maybe it's because I am older and tired of being put in the same situations, I don't know, but what I do know is never again will I be the victim. I will never ever feel this way again. I will not make someone else hurt. To see the pain on the face is something that I never want to see again.

The wanting, desire, all of that is sad, the minds keeps on wanting the next best thing. When what you need is always there. All I can do is shake my head. I want to talk to you to tell you how I feel, but I know you don't want to hear anything that I have to say. The lies, I completely understand. In my small mind, I just want things to go back to the way the were. A piece of me says it can happen, but something says it never will. You were my friend and I always thought you would be around, maybe you would have if I hadn't messed things up. Now, I am alone. Doing things that we used to do together, now I do them by myself.

Those were things that I wanted to express, just had to say something. Again, all I can do is shake my head in shame. I can't go on living this life repeating the same mistakes, I am better than that. This is about my well being. I understand were fear and worry come from. I will no longer carry them with me. I have released them. I deserve better than what I have given myself over the years. I am somebody!

My Finances
Once I recieve the money that I am owed, I will get some things fixed on Parkchester:

yard done
GCIF
privacy fence

owed $3,000

Right Now

I have no money for real let's see:

$1,000 to Ron for Parkchester
$450 to Mom for Liam
$570 for Parkchester
$570 for Fisk

At this point, I am overdrawn in my account, tredding water. I am not ever worried about that. I also paid my bills too. So I know I am overdrawn in my account. So, so very sad.

Paying $1000 a month to Ron let's me know that I can pay off much of my debt soon. I don't know how much I owe him, but once that is done I will pay off the two student loans that I have. This is a bad thing, but now I can focus on me, that is what I am going to do. No room for anyone else.

I paid my credit card bill. I guess due to the holiday weekend it will be a delay when they will receive the payment. Once the payment has been received, I will purchase the books I need for my Application. I will start on my Learning Agreement for KAM II.

This blog has helped me to express my rights, my wrongs, my stupid decisions, my oversights, my mistakes and any other crazy thing that I may have done. Survival is the key to this thing and that I have been barely doing. I am worth more than that! Thank you for reading and again learn from all of my errors, because as you read, I make a plenty of them.

So Worried

noreply@blogger.com (W Jackson) — Sat, 29 May 2010 21:21:00 +0000

Regardless of what is going on in ones life, life keeps moving forward. As I stated in my previous posts, starting over has it's ups and downs. At this moment, I am at the downs. To be honest, everyday is getting better, but not it's best. Right now, I should be in Houston with my girlfriends, but due to the move it took all of my cash. My finances aren't the best and I don't see how things will work themselves out. It is completely out of my hands, I must keep moving forward and not give up and myself.

I got Liam out of the shop and had to borrow money for that. Trying to purchase 3 homes and I have to give him $1000 for a title search. Don't think that is right, but I really want these homes. I am owed money let's see $1800 from one home and $1200 from another. Once I receive that money things will be much better.

The house I am in now needed/needs some work. The floors needed to be done, while doing that they have done something to the power where the washer and dryer are. They also repainted the walls, when I had already painted, I just didn't cut in. The house is in disarray worse than it was in the beginning. I really don't know where anything is.

Looking at my finances is a truly sad thing. At one point, I was rolling in the money, now I am tredding water trying to stay afloat.

As for the group home, I had to start completely over on my paperwork and I could be further than I am, but wallowing in sorrow does something to my motivation.

School will be over for the term Monday and I need to purchase my books so that I can complete KAM I. In the meantime, I will start working on the Learning Agreement for KAM 2. I registered for the residency in July, but I am not going to attend it, no cash and feel I need to complete all three KAMs, before I attend another one.

I am sad and working on myself. That is all that I truly can say. Don't want to do anything, go anywhere or nothing, just want to be. I have figured out that most of my problems stem from my youth and I have to fix me. No one else, but me! Can't be still and truly trying to work on that. All these changes and I know that it is for the best.

3210 Oneal Street
bathroom tile removed
bathroom sink fixed
dishwasher replaced/fixed nothing was wrong
tree limbs cut
grass cut done
plant some flowers

637 Parkchester Drive
add a bathroom

PhD
KAM I
Learning Agreement KAM II approved
KAM II
Learning Agreement KAM III
KAM III
Prospectus
Dissertation
2 six day residencies

I don't know what is going on and where I am going, but I do know that things will and have to be better. I will not be worried about things and just keep moving forward. I am still sad, but I will be alright. I have to make me better that is all that matters. My childhood has had a serious affect on me and who I am. As much as we try to be different than our parents we tend to turn out to be just like them. No longer will I be a victim of my past. Things will be better and now I know that. There will be a better Willetta when this is done!

The Current Situation

noreply@blogger.com (W Jackson) — Tue, 18 May 2010 23:33:00 +0000

I am learning to slow down and just go with the flow. Living life and not being acceptable of myself is a huge thing. Learning how to love myself is the main goal. Tired of doing the same things over and over again. This will make almost 20 years of being given an opportunity to right my wrong and here I am in the same place again. Things are different this time. No longer will I continue to wrong myself. Now, I understand that I am no different. I didn't like when you did it to someone dear to me and I do the same to someone else. Wow, things will be and are different this time.

My financial situation is not at it's best. The transition has taken away from what I had. On top of that a tenant owes.

Things about to happen
$1,000 for 3 houses
1027 Fisk Avenue $527
Books $100
Liam $500
3210 Oneal Street $300

I don't need to be flat broke and that's what it looks like is about to happen. I have been trying to sort out my issues and constantly spending money where I don't need to. This move has really done something to me, but I do understand there has to be consequences for my actions. I am taking responsibility for what I have done. It is no bodies fault but my own. Now, I have to figure out how to survive for the next almost 2 weeks. No food, no money, no nothing, but my sanity and at this point, that is all that matters.

There's no money on my credit card, I have about $500 to my name. Wow and things just keep accumulating. You know what that doesn't matter, what matters is that I am healthy and there is a means to an end. Today, I am going to take my time, find out if my car is ready, get some cash and just relax in the house alone. I just need to be.

If you are a constant reader of my blog when I post don't do the things that I have done. Learn from my mistakes all I can do is give thanks and know things will get better.

Why Do I Keep Doing the Same Ole Things?

noreply@blogger.com (W Jackson) — Tue, 11 May 2010 18:35:00 +0000

I have messed up royaly and the first thing is to admit your wrong. I am admitting my wrong! This makes time number two that I have wronged someone that is very dear to me. Why did I do that, who knows, maybe looking for love in all the wrong places? At this moment, I am feeling what I did wrong.

Here I go again on my own! This is not a place that I ever wanted to be. What have I learned from my mistake? Never look outside of your relationship for anything. Look within it, communication, and trust are key to a happy relationship.

What I want: I know we may never recover from this, but if we do I will not and I do repeat will not do anything like that again. The entire situation is sad and it is not completely my fault. All I can do is admit my wrong and work on making me better. This time around I will make me better. I don't ever want to have this experience again. What we shared was intimate and we took each other for granted. If we could return to where we were I would be different. I would cherish every moment that we spend together. My friends would not be before you and I would work on making us better.

Since I am on my own again, my finances have completely changed. The extra cash that I had has gone to hotel rooms, moving (purchasing new things), eating out. I am not at 100% and it is to be expected, but I do know I am giving myself an entire year to get everything together.

May 11, 2010-May 11, 2011
completed all 3 KAMS
completed prospectus and dissertation
done 2 residencies
about to graduate with PhD
group home running
moved from 3210 Oneal Street
pay off Ron for fixing 637 Parkchester
pay off tax lien
pay off wachovia
pay off US Dept of Education
pay off MEA
purchase 3 houses
keep credit scores up 607, 657, 657 (they can only get better)

Something that I have noticed about myself is that the months of March-May usually has some type of chaos going on. What am I doing to attract these negative things? I am tired of my faults and like I stated earlier I will work on them and be a better person. I don't ever in life want to feel like this and I never will. Keep moving forward and let me realize that I made a mistake and the things I do have a trickle down effect on the people I am around. If you can find it in your heart to forgive me please do.

There is more that I have to say, but the time will be later. This is my financial success, the ups and downs, high and lows, but through it all I will achieve financial success. There are many things that have been put off over the years. This year, I will make them happen. All extra cash will go toward paying off the lowest debts first.

Also, remember I am paying for utilities in two places, my new residency and Parkchester. So my money is used up. Keep saving and moving forward that is my plan.

Here I Am

noreply@blogger.com (W Jackson) — Sun, 25 Apr 2010 13:48:00 +0000

It always seems the same. Doing the same old things, not posting to no blog for months at a time, just trying to enjoy this life. All the same things, and here I am. Time keeps moving forward and so do I.

The house is rented out on Parkchester. Thank you Leslie and Lone Wollow Enterprises for allowing your workers to live in my home. I still haven't finished paying on getting the house fixed. He doesn't know what he did with his receipts. $2,900 has already been paid, I was supposed to pay something, this month, but I haven't. My mother kept asking me if I paid him and that I didn't know how much I owed. I asked and that has been almost 3 weeks ago. Well, I will pay him when I find out how much it is.

There are still some more things that need to be done to the yard.
Parkchester
Backyard leveled
All of the trees cut down
Privacy fence
Grass seeds front yard

Been working on getting group home up and running. The name is Betty Jackson's Home for Teens. Gone through the paperwork of filing name with county and state. Now, I am working on the Policy and Procedures, Disaster Plan for the home.

Group Home
Fire Alarm Systerm specific for group home
Fire Safety letter
Add trash compacter
Washer and Dryer
Another Bathroom
Handles on all the doors
Screen Door
Paperwork

I have given myself and entire year to have the group home up and running. It is taken time and work to get through everything. I have guidance from someone that already has a group home and it truly helps to be able to talk with him and get some direction. Even though I do procrastinate I have gotten many things done.

More things needed for Group Home
Letter from Dentist
Letter from Doctor
Order book from state

Had to do another eviction. This is for my mother's house on Oneal Street. I don't know if she's still there or if she's moved. I have to go to court Monday to complete the eviction. That's crazy. I don't know. Maybe some more workers can move into the house, it's only a 2 bedroom and 1 bath. If not, will go up on the rent to $475. I believe there needs to be some small things done to the house. Hopefully the eviction will go smooth so that my mom can start back making money.

I don't know how my finances are looking. I am finally at a place where I know where my money goes and I am not overspending. The best thing I could have done for myself was to cut up my check card. The best thing since cooking with gas. Now, I write checks and use online banking to pay bills. I borrowed $1,500 off of some money I had in the bank. I still have the loan from last August when I had to pay for school. Looking at all of the debt, I will say I owe about $5,000 to MEA.

I spoke with Mr. Leonard about the houses on Colorado Street. He is still in Baltimore trying to sell the house there. Once that is complete he will be getting with me. Buying 3 houses for $45,000 and owner financed and I great deal.

Money on hand
TIC 1785
MEA 1769
Suntrust 750
Total 4304

That's a pretty decent amont of change. There are so many things that need to be done and at the same time there are debts to be paid.

Money owed I talked about this earlier
MEA 5488 (2 loans)
Tax Lien 5000

What I was thinking is to pay off something maybe next month and get what I can done. I must remember to save something, because I don't know when I may close on the houses. Overall, I am in a good place and I know that I must pay off the debts and stop wasting money. Now that I see everything that I have to do it makes it easier to know it can and will be achieved.

Maybe at the end of this month I will pay the m0ney that I borrowed off of. I didn't tell you that my Wachovia Student loan is 2250. That's something else that I wanted to have paid off this year. Be a manager of money. Then I think about the length of time I have had the debt, that's another thing. That Wachovia loan has been with me some undergraduate school, that's not cool. That will be the first one I pay off this summer.

Another thing, school is going well. Waiting for my mentor to get back with me pertaining to my Breadth component. I also have to purchase the books for the Application. In the meantime, I could be working on my Learning Agreement for KAM II. Writing the paper has been a big challenge for me. Not to mention the fact that I have to write 3 of them, a prospectus, and a dissertation before I can be Dr. Willetta Jackson. All part of the process I guess. No, don't get me wrong, I am not complaining. I am glad that I am in school for my PhD. I don't have time to play around, I have done that long enough.

I forgot to mention that in all of this I would love to move to a bigger home. Something with 4 bedrooms, 3 baths, a 2 car garage, fireplace, and pool. Where there's a will there's a way. This is my life and through it all here I am.

Ok Here's the Situation

noreply@blogger.com (W Jackson) — Sun, 28 Feb 2010 22:24:00 +0000

Things are happening in my favor and it really feels good. My thinking cap is on and it is time to make the most out of things. Just finished my last class. I may get a B; don't know how I feel about that.

Currently, I have $9,096.76 to my possession and I again, I don't know how to feel. This is the most money I have had at one time. Ok, there, I put it on paper. Really been trying to figure out a few things. Supposed to purchase three homes this month, but person selling had some other things happen. Hopefully, I will close in March maybe April. The eviction was crazy. The people that were living there were selling drugs and dogs out of the house. And there was this mean living in the backyard in a camper. I cancelled the eviction because the house was empty. Maybe I should have kept it. The house is messed up on the inside very dingy. Now I am getting the house situated. There are a few things that need to be done in the house. I don't want to spend too much cash to fix the entire thing. What about $2,500? Since the house is empty I am paying the mortgage. Maybe I can get it rented out until I get everything up and running. That means that I will have to purchase a refrigerator, beds, furniture, and more. Everything is moving and I must be ready to receive all of the positive favor. Remember, when I close on the houses I will have a down payment, closing costs, and other additional fees $2,000.

In order to do what I want to do, it's going to take plenty of patience and focus. I think I said focus before because that is truly what I need.

Rewrite of things to come:
All things in bold have been completed.

Blinds
Plug ins
Paint house inside and out
Redo floors
Make sure everything is working
Floor heater fixed
Central heat and air secured working
Back window secured
Landscaped
Fence

Complete Policies and Procedures
Get measurements of house

Breadth KAM I
Application KAM I
Breadth KAM II
Depth KAM II
Application KAM III
2 Residencies
dissertation

Also, almost finished with school. Slowly coming close. All it will take is dedication and focus. I have to write. This is what is left: 3 KAMs, 2 residencies, & 1 dissertation. I don't have years to finish the dissertation. It has taken me long enough with the leave of abscence. I have played around long enough. The time for everything will be 2011. Make it pop is what I say.

Life is What You Make It

noreply@blogger.com (W Jackson) — Sat, 06 Feb 2010 20:26:00 +0000

To be honest, this like all other posts may or may not make sense, but I just felt that I needed to write something. I have been working hard to make sure that I have things in order. For instance, my finances hence this blog, Liam is in order, and my personal life. At this specific moment, I understand that I am trying to make some changes for the better. Sometimes, I am scattered and mentally I can't focus on what is important. Currently, I can see the forest for the trees and I am not focusing on the bull. I am not getting any younger and know that at some point I have to make things work for me and my family. Financially, I am blessed and proud of where I have been, where I am, and where I am going. Truly, my signficant other has helped much with this. Thank you, you know who you are. I don't have a car note and that helps much too. As far as Liam is concerned I am getting at least one thing fixed a month. He is 12 years old and needs some maintenance, I can afford to spend a few hundred dollars on him once a month since he is paid for. No longer will I put his issues off. The needs some minor repairs, things that I should have gotten fixed a long time ago, since I did mess them up I should fix them.

Wow how time flies, I didn't realize that I have had this blog since 2008. My how time flies. It needs to be revamped. I guess I will sit down and sort out how I want it to look. I really need a new header. I want it to reflect how fabalous I am. Looking back over the years, I have made some serious financial mistakes, but now I know what to do to make it better.

There are many things that are about to occur in my life. One, we are changing schools (my middle school is merging with another and we have to move out of the building at the end of the year). Purchasing 3 houses at the end of the month, one which is an empty shell. Applying for my passport so that I can travel outside of the country. I am working toward making serious power moves. I don't want to work for ever, I don't want to have to work until I am in my 6os, I don't want to be like that. This is why I am making the necessary moves at this moment.

I think about myself from time to time and in my mind I am lazy and really don't want to do much. This may be true, but overall, this is not true. I am a go getter. It may take me some time to actually put it into play, but I will make it happen. Another thing, I haven't gone through an interview process in 9 years. I don't think I want to go through that ever again in my life. If I have too I will. What I see for myself is teaching online and being able to stay it home and do the things that I enjoy. I am truly blessed. Ten properties by 40. I know I can make it work. Just learn from the mistakes of others and everything else will fall in place.

I know that I can do all things possible.

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

noreply@blogger.com (W Jackson) — Mon, 25 Jan 2010 01:54:00 +0000

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

Again, it may be scattered!

Trying to purchase 3 properties for $45,000

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

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

1027 owe $450

637 owe $1710 need to evict paid

3210 owe $450 paid

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

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

money I have is $1,200

still raining in Liam fixed

backdoor on Liam has dropped fixed

power button for drivers seat

break light broken fixed

brush guard rusted

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

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

haven't done anything with my KAM working on this

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

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

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

Save $3,700 by March by off Escalade

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

Organize bills for February tomorrow

Find birth certificate and send off passport application

Pass last class

Put car in shop when they call

Call where got headliner fixed

Start working on KAM

Get ahead in my class

Get estimate from Burkett for Liam

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

Call tenant let know they need to move

Go up on rent

$425 to $475

$570 to $610 950

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

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

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

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

Being sure of the right debt rescuers

noreply@blogger.com (W Jackson) — Sat, 23 Jan 2010 14:35:00 +0000

Guest post by JENNIFER LOHAN

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

Do your homework

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

Check the background

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

Pressure tactics

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

Don’t choose a lengthy program

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

Ask questions

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

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

JENNIFER LOHAN
jennifery2k@gmail.com