I just figured out that for every $50 I can pay extra toward debt it makes the payoff date one month closer. I think this needs to be tangible savings-cash. I want to put it toward my personal credit card
With the snowball calculator I figured out if we change nothing we will be out of this mess by March 2014. That is actually better than I thought….let’s hope for big tax returns and a bonus. All extra money must go to debt.
We have darn near 100,000 dollars just in credit card debt. That is not including the two cars we have loans on or the house. After speaking with three lawyers I have learned that we cannot declare bankruptcy b/c of our income. Yet, we have NO money left to live on after paying our monthly bills. And we are getting nowhere on this. We have closed all of our credit card accounts and have totally cut all the fat. From my calculation it should take about 5 years to get this paid off. Oh, that is counting on the fact that nothing unexpected happens-oh, like the car breaking. Just found out today that it will be $500 to fix the defroster on the car. In the dead middle of winter. And there is nowhere to get that money from. Maybe I should change this goal to try not to let this money situation get the best of me. It is ruining my life. I can see what mistakes we made in the past, but wish there was some way to have some forgiveness to get out of it. The worst part is that my son has to sacrifice for mistakes we made before he was even alive. Oh there is so much shame and regret.
Why does everything have to cost money? I would like to get Ian out and about more, but we just don’t have any extra money to do anything. I guess maybe I could focus more on nature activities? Or just being outdoors?
Today I made a wonderful pasta dish loaded with kale. It was actually very tasty. I’ve been enjoying experimenting with new veggies lately.
I have found that sometimes I just need to fake it. Surely before I know it (usually right afterward) I actually don’t feel angry anymore and have moved on. It’s like act first and the feeling will follow.
Sunday I will be going through the Rite of Welcoming at the 10:30 mass. Following that Sunday through Easter I will be officially in the Catechetical learning process. Exciting!
Baked for some soldiers and organized some friends to do the same.
I have started taking RCIA classes. It’s so interesting and I believe my life as a whole has improved by working on this one goal. There is a big spillover.
Our finances have been a mess for years and I didn’t think I had any control over it. Finally, I just sat down and made a spreadsheet. Now, I can see that sadly it is going to take 5 years to get us out of very serious debt. However, at least we are on the right track and I don’t have to feel so emotional about money. It’s a huge stress relief.
It’s been awhile since I wrote on this-which is nice because I can see how much of a difference it has made. It’s pretty much unbelievable. I spent so much time thinking about myself as being a somewhat powerless victim of how he treats me. I would beg him and beg him to treat me with respect-for YEARS. Now, I am just sugary sweet most (not all) of the time-especially when things are stressful. It almost immediately turns things around. Even when I have to fake it. Then, a short time after the fakeness I can’t believe how genuine it is for both of us. Our marriage is better now. I don’t nag, I like my husband and he respects me. Amazing!
We keep having company on the weekends and I am not making it to church. Need to make this a priority so we can get the little one baptized before he’s walking up to the priest.
I am torn on this one. I love the idea of creating tradition and Corned beef and cabbage on St. Patty’s Day for dinner is a great tradition. However, we have leftovers from last nights dinner that need to be eaten. Hmmmm…I wonder what I will end up doing on this one.
Yesterday I let the phone ring for a couple of hours. My husband was frustrated with me as I owed my inlaws a phone call. I explained that I was nursing the baby and I wanted to be with the baby uninterrupted as I don’t think it’s a good idea to constantly be multitasking while nursing. He said something like that is a myth and that in real life you need to do more than one thing at one time. I was so happy that I have chosen not to fall into that myth. That time with my baby couldn’t be more precious and I want to get as much of it in as possible before in a blink he’s grown up.
I’d like to continue to work on this as I am feeling very grumpy and uncomfortable in the last few weeks of this pregnancy. I would like to be more peaceful and calming to and around him. I want my sweetness back!
On the cusp of giving birth to a brand new little person I think this is the most important gift I can give him. I have moved this to be my number one priority. I know the housecleaning will be hard for me not to stress about but I really want to focus on the baby, regardless of the messsy house.
I am officially done with this wedding planning business and am so so happy about that.
I am super pregnant and cannot wait to have this baby. In 4 days he will be officially full term. Waiting, waiting, waiting….
I am almost tempted to mark this as “done”, yet I believe it is an ongoing process. I have lots of friends now and I found that investing the time makes it worth it. And, patience. The friends I have don’t mind driving to meet me halfway or occasionally driving to my house. They are kind, real and we have things in common. Ahhhh…relief.
I’ve signed up for two volunteer shifts this week. Hopefully this will spill into the “make new friends” category as well.
