Check-in on 1/20/2011
Score – 583
Negative reports – 1
Collections – 6
Total negative debt – $997
Total debt (non school) – $18960
Total student loans – $72580
Just pulled my free annual report, so now is a good time to start making changes, with a deadline of 12 months. Planning to make a big change by next free report. That student loan total seems wrong. I’ll be examining my reports to see what is double reported. Anyway, those are deferred until next year. Biggest issue is to keep several thousand in medical bills from hitting as collections.
I have no idea what I’m doing, but logic says I need to get rid of the negative reports and collections and consolidate the student loans so there’s only one or two instead of many separate ones.
Since I last posted I ended a relationship, lost a job (and health insurance), moved twice, had minor surgery, and spent $4k on car repairs. I feel like I’m going backwards. The car still isn’t paid off, the student loans seem astronomical, and the income is less than the outgo. It’s time to put my shoulder to the grindstone, I guess. Bring on the second job!
Was scheduled to finish in December 2010, but I fell behind in the last semester. I want everyone to see that you just have to keep moving the chains, keep doing it, keep going – I know it’s cliche, but it’s true!
Using the free Kindle app for the iPhone, many of the classics are free to download. Everything from The Jungle Book to the Complete Works of Edgar Allen Poe are available at my fingertips whenever I have extra time. I’ve read more (non work related) since I’ve had the iPhone than I have in years.
Obviously this is an ongoing goal, one that is really never finished. What I’ve done is created access and motivation, and I feel great about it!
I hit a snag last year, failing one class and then taking the summer off to regroup. As a result, graduation is pushed back to December 2010.
I will not quit, but I wish I were done already, and my nights and weekends were my own! One more year, I keep telling my self. One more year, one more year, one more year.
I found him at the post office. Love at first sight. Long term – the jury is still out. We’ll see…
Apparently, I’m desirable. What was I doing for ten weeks? I decided on a Thursday that I had to get a job immediately. I spent Friday working on my resume with a friend who works in HR, sent that to recruiters on Monday, had an interview on Tuesday and was hired on the spot. Was at work on Thursday morning, one week to the day after I made the decision to go after what I wanted. That was the key turning point.
A’s and B’s!! If I stay this course I’ll be finished with my prereqs by the end of 2007 and ushered into the business department with flying colors. I feel like a super hero!!
Tonight I am online preparing a map and a plan, so that tomorrow I will be on time… Preparation.
Two women friends (and one gay man, I think that makes three ;-) ) have been thinking about me and hoping I’m well. Returned their calls, accepted their invitations, and extended a couple of my own. Making strides!
I’ve been going through a lot of turmoil in my life lately. I was complaining to a friend last week, and he asked me if I’ve prayed about it. It hadn’t occurred to me. I came home and got down on my knees that day, but I couldn’t feel God. He’s been with me always, through sicknesses and stresses and some bad choices. I could always feel him listening. This time he wasn’t there.
I was devastated. I didn’t sleep at all that night. Instead, I cleaned my house, did some studying, then laid down at 4am with a romance novel – trying desperately for sleep. Almost at the end, there was a line that touched me. ‘It was love as a verb. It was love that made me stronger, more patient, and made me like myself more.’ And it occurred to me that this was the love that I had felt with my ex-husband. This was what we had for each other. The marriage was awful because our love had grown in sideways. We couldn’t point it directly, it was loose, like a lazy eye. But it was undeniably there. So I wrote that in my journal. Our love was amazing, but it was crooked. And I forgave him for that. And God spoke to me, and told me that I had done the right thing.
I never slept at all that night, or the night after. I will never lose touch with him again. It’s as though I lost my arm and got it back, and there is work to be done to keep it. Whatever it takes.
There are days when I feel gorgeous. A glance at the grocery store, a flirt in the library, the perfect pair of jeans with boots. I walk tall and flip my hair and feel like an Amazon queen. And then I come home and see the mirror. It doesn’t lie, but it doesn’t show the truth either. How do you get around that?
I have my AA already. I’m pursuing a
BBA/MIS. I started in January, I’m doing well and LOVING it! I feel like there’s finally a light at the end of this tunnel!
Went to a Morrocan restaurant and danced with the belly dancer!
I’ve started paying off my debt. I paid off one credit card and one car. Currently, my debt consists of student loans, the car I’m driving, medical bills, and one judgement.
Student loans are good debt – I’m paying just the interest right now, until I graduate in 2009.
Car I’m driving now is necessary debt. I’m paying an extra $50 a month toward it, I’ll pay it off w/in two years. It will be 7 years old by then (bought it used). If I can drive it for three more years after that, I’ll feel as though I’ve gotten my money’s worth.
Have worked out a settlement on the medical bills, and am paying a small amount monthly. Will be paid off w/in two years.
Working to get the judgement folded into my divorce as ‘not my responsibility.’ We’ll see.
So, I’m on track for this one. Just need to resist the temptation to go into further debt, and I’ll be rock solid w/in two years.