Hello, Lovelies!
I'm sorry it's been awhile since I have written, life has just been one crazy day after another (Yeah, whose isn't, right?).
Last Friday I drove from NC to MA for my best friend's bridal shower and bacherlorette party. All in all, the weekend cost me $475...ouch. And I really, REALLY didn't want to spend it - in fact, I almost didn't go! But I felt guilty since she IS my best friend and I AM in the wedding. But still, that's a lot of money! I used some of my tax return for it, but I really would have liked to put that money towards my debt. Oh well, she's worth it :)
So, fiance and I are moving. 600 miles away...back to the Northeast. I know, I know - what are we thinking, right??
Ok, so it won't be THAT bad. The weather won't be as good and the people won't be as friendly, but we'll be closer to a lot of family, and we miss that! We are looking forward to cookouts and birthday parties, stuff like that...things we haven't been able to do a whole lot of since we moved away. I'm hoping the good things will make the bad things a little easier to swallow. But, we'll see...
So, anywho, I have been searching and searching for a job (and a part-time job) back north. And it seems I am running into two major problems:
1) No one is hiring (awesome)
and
2) People I HAVE heard back from seem to be worried that I am not REALLY moving to CT since I am still living and employed in NC...but come on, people, I can't move without a job! OF COURSE I am looking while I am still here! It's so frustrating. I have no idea what the best course of action is...
We ARE lucky in one respect, though - fiance's dad owns a three-family house and we are renting an apartment from him (yes, renting...we don't want to sponge off of someone!), so if we don't have jobs right away when we move, at least we know we won't be evicted! But that's not really the point. I still have other bills I need to pay and I don't want fiance's father to think we are trying to scam him out of money, either. And I want to keep working on paying off my incredible, never-ending debt!
Sigh.
Until next time!
Thursday, March 25, 2010
Tuesday, March 16, 2010
Brokehearted.
Good-bye, my pretty little Coach wristlets. I loved you more than you will ever know...
Sigh.
I have had two very interested ladies wanting to buy my wristlets that I posted on Craigslist, so they are basically sold. And I am so sad! Even though I hated using them,I don't want to let them go! I mean, come on, it's COACH! I. Love. Coach. Seriously though, I didn't use them at all - to the point where I had no idea where they even were when the ladies emailed me for pictures...so WHY am I so bummed to sell them? It's an extra couple of bucks towards my debt freedom...that's something to be excited about!!
Ugh, nope, still bummed.
Anyways, at least I am setting an example for the fiance, who I SWEAR is a legit hoarder. The man saves EVERYTHING. And he loves to shove it in every possible nook and cranny he can find. Drives me nuts...
Until next time!
Sigh.
I have had two very interested ladies wanting to buy my wristlets that I posted on Craigslist, so they are basically sold. And I am so sad! Even though I hated using them,I don't want to let them go! I mean, come on, it's COACH! I. Love. Coach. Seriously though, I didn't use them at all - to the point where I had no idea where they even were when the ladies emailed me for pictures...so WHY am I so bummed to sell them? It's an extra couple of bucks towards my debt freedom...that's something to be excited about!!
Ugh, nope, still bummed.
Anyways, at least I am setting an example for the fiance, who I SWEAR is a legit hoarder. The man saves EVERYTHING. And he loves to shove it in every possible nook and cranny he can find. Drives me nuts...
Until next time!
Sunday, March 14, 2010
Sick and tired...of being sick and tired ;)
So I will freely admit that I am a Dave Ramsey fanatic. I can't help it, I'm obsessed! I'm not saying that if you are on your road to debt freedom you NEED to be, I'm just saying his way of thinking and telling it how it is, is motivating to ME. So I watch his show every night (well, except Thursdays...it's on at 10 and I am sound asleep by then!! Man, I'm getting old LOL).
Anywho, so Friday on the DR Show is called Debt Free Friday, and this past Friday was kind of cool because not only did it have people who recently got out of debt screaming "I'M DEBT FREE!!!" (my personal goal!), but also people had been out of debt for ten years or more.
Ten. Years. Or. More.
Can you even wrap your brain around that??? Can you even IMAGINE not paying a credit card bill or a student loan payment or a car payment for 10 years? I sure can't. Being in debt for so long has completely stripped me of any hope that being debt free for LIFE, not just temporarily, is even possible. But all of these people are proof that it really is! And it was so great to just 1) hear that it's possible, 2) learn their tips and hear about their struggles, but also 3) hearing the complete and total peace in their voices...it was unreal!
And for them, being free from the chains for these past 10+ years allowed them the opportunity to not only buy the things they wanted or go where they wanted, but allowed them the freedom to be the type people they wanted to be. One couple was able to take in a sixteen year old boy and turn his whole world around! They wouldn't have been able to do that if they hadn't made the COMMITMENT to themselves to rid themselves of debt 10 years ago. A-mazing!
Oh, also, I am selling my Coach wristlets this weekend :( I. Am. BUMMED. I love Coach...I'm a Coach maniac. I can't help it. But I never use the wristlets. I bought them and justified the purchase by saying "oh, well, I hate carrying a purse...I will TOTALLY use these any time I go out". Wrong. I used them once, and hated every minute of having this thing hanging from my wrist. So I put them on Craigslist and got my first e-mail about them. I might be meeting up with the girl today, hopefully she takes them!
Have a fantastic rest of your weekend...don't forget to "Spring Ahead"!
Until next time!
Anywho, so Friday on the DR Show is called Debt Free Friday, and this past Friday was kind of cool because not only did it have people who recently got out of debt screaming "I'M DEBT FREE!!!" (my personal goal!), but also people had been out of debt for ten years or more.
Ten. Years. Or. More.
Can you even wrap your brain around that??? Can you even IMAGINE not paying a credit card bill or a student loan payment or a car payment for 10 years? I sure can't. Being in debt for so long has completely stripped me of any hope that being debt free for LIFE, not just temporarily, is even possible. But all of these people are proof that it really is! And it was so great to just 1) hear that it's possible, 2) learn their tips and hear about their struggles, but also 3) hearing the complete and total peace in their voices...it was unreal!
And for them, being free from the chains for these past 10+ years allowed them the opportunity to not only buy the things they wanted or go where they wanted, but allowed them the freedom to be the type people they wanted to be. One couple was able to take in a sixteen year old boy and turn his whole world around! They wouldn't have been able to do that if they hadn't made the COMMITMENT to themselves to rid themselves of debt 10 years ago. A-mazing!
Oh, also, I am selling my Coach wristlets this weekend :( I. Am. BUMMED. I love Coach...I'm a Coach maniac. I can't help it. But I never use the wristlets. I bought them and justified the purchase by saying "oh, well, I hate carrying a purse...I will TOTALLY use these any time I go out". Wrong. I used them once, and hated every minute of having this thing hanging from my wrist. So I put them on Craigslist and got my first e-mail about them. I might be meeting up with the girl today, hopefully she takes them!
Have a fantastic rest of your weekend...don't forget to "Spring Ahead"!
Until next time!
Friday, March 12, 2010
Jobs and Significant Others
Hey Peeps!
So, I am sitting here, fresh off the Target website where I applied for a couple of part-time jobs. At first, I thought "oh, well, I don't want to work Sundays...when will I relax?? Oh, and Saturdays is a fun day...Oh and I can't work nights, when will I sleep?"
Bad attitude!
Right now, in the debt repayment period, I need to work as MUCH as possible, without physically harming myself. BUTTTTT...I don't want to burn myself out either, then I will give up completely and be wallowing in debt for eternity (If anyone watches The Middle on Wednesday nights, this is where Brick would insert his creepy whisper...eternityyyy).
So, here's what I'm thinking. What if I give myself one weekend off a month? Do you think that's appropriate? I sincerely want your thoughts. I am trying to work two-three weeknights a week and on Saturdays and Sundays...but with the one weekend free a month. I mean, if I want to pay off $50k in two years, I really have to work as much as I can. I think that will work, don't you? Leave me some comments!
Now, moving on - any of you debt-free maniacs (like myself) have a significant other who may be less than thrilled with scrimping and saving to achieve the goal of debt freedom? I do. I'm not sure how to handle it. On the one hand, I want him to understand that being this far in debt truly stresses me out and worries me. On the other hand, I don't want him to feel like I am a control freak, fun-hater. I am all for fun...as long as it is budgeted and planned for. How do you handle a mate who thinks debt is fine and everyone lives with it, so why shouldn't we? I don't want to be normal, I want to be the exception - debt free and loving life!
Oh, and I paid $650 to my student loans today...yuck! Can't wait to be done with THAT!
Until next time!
So, I am sitting here, fresh off the Target website where I applied for a couple of part-time jobs. At first, I thought "oh, well, I don't want to work Sundays...when will I relax?? Oh, and Saturdays is a fun day...Oh and I can't work nights, when will I sleep?"
Bad attitude!
Right now, in the debt repayment period, I need to work as MUCH as possible, without physically harming myself. BUTTTTT...I don't want to burn myself out either, then I will give up completely and be wallowing in debt for eternity (If anyone watches The Middle on Wednesday nights, this is where Brick would insert his creepy whisper...eternityyyy).
So, here's what I'm thinking. What if I give myself one weekend off a month? Do you think that's appropriate? I sincerely want your thoughts. I am trying to work two-three weeknights a week and on Saturdays and Sundays...but with the one weekend free a month. I mean, if I want to pay off $50k in two years, I really have to work as much as I can. I think that will work, don't you? Leave me some comments!
Now, moving on - any of you debt-free maniacs (like myself) have a significant other who may be less than thrilled with scrimping and saving to achieve the goal of debt freedom? I do. I'm not sure how to handle it. On the one hand, I want him to understand that being this far in debt truly stresses me out and worries me. On the other hand, I don't want him to feel like I am a control freak, fun-hater. I am all for fun...as long as it is budgeted and planned for. How do you handle a mate who thinks debt is fine and everyone lives with it, so why shouldn't we? I don't want to be normal, I want to be the exception - debt free and loving life!
Oh, and I paid $650 to my student loans today...yuck! Can't wait to be done with THAT!
Until next time!
Thursday, March 11, 2010
Stuff is just...stuff (that you probably won't like in 5 yrs...)
I know, I know...I just started this blog TODAY and I already have a second post?? Well, this is something that I am always thinking about...and by "something", I mean money and finances. I mean, it's a pretty big burden to shoulder...
Anywho, I was on my way to my car after work today, and I was thinking about all of the wonderful new things I could buy when I am finally out of debt. A new car! A new couch! Lots of new toys! Because, I would have the money to pay for them. So that's the goal, right? Pay off my debt so I can buy a crap load of STUFF?
Wrong.
I want (need) to stop measuring my "wealth" in STUFF. Stuff is not wealth...it's clutter. And it's clutter that I will probably hate or will go out of style in the next five years.
Now, don't get a girl wrong, I am all for a splurge! I just mean I want to stop the "What can I buy next?!?!" mentality, and start saying "Do I really need this? And if I don't, do I REALLLLLLLLLY want it?" Because, after we're debt free, that's all we should be spending our HARD EARNED money on - stuff we either need or really, really want. Because the goal here, people, is to SAVE our money so we can actually be called WEALTHY...and our poor kids won't learn the bad habits that we have become accustomed too and maybe they won't need to take out a butt-load of student loans to pay for school and we can give them a fighting chance at life.
Sigh. So that's my soapbox for the night. If I think of more, I'll be back!
Until tomorrow!
Anywho, I was on my way to my car after work today, and I was thinking about all of the wonderful new things I could buy when I am finally out of debt. A new car! A new couch! Lots of new toys! Because, I would have the money to pay for them. So that's the goal, right? Pay off my debt so I can buy a crap load of STUFF?
Wrong.
I want (need) to stop measuring my "wealth" in STUFF. Stuff is not wealth...it's clutter. And it's clutter that I will probably hate or will go out of style in the next five years.
Now, don't get a girl wrong, I am all for a splurge! I just mean I want to stop the "What can I buy next?!?!" mentality, and start saying "Do I really need this? And if I don't, do I REALLLLLLLLLY want it?" Because, after we're debt free, that's all we should be spending our HARD EARNED money on - stuff we either need or really, really want. Because the goal here, people, is to SAVE our money so we can actually be called WEALTHY...and our poor kids won't learn the bad habits that we have become accustomed too and maybe they won't need to take out a butt-load of student loans to pay for school and we can give them a fighting chance at life.
Sigh. So that's my soapbox for the night. If I think of more, I'll be back!
Until tomorrow!
Debt-o-holism...and goals.
Oh blogging world, how I have been resisting your draw...mostly because I am not very interesting and didn't feel like I had all that much to share with the world.
But now...I do! And boy, do I ever. My road to recovery, if you will.
Hello, my name is Mimi, and I am a debt-o-holic. Phew! There, I said it! The first step is admitting you have a problem, right? Well, sirs and madams, I have a BIG problem. And, problem, thy name be Student Loans.
The symptoms of overwhelming debt are clear, my friend: waking in the middle of the night panic-stricken and covered in sweat, random bouts of uncontrollable sobbing in the bathroom, blowing your nose with paper towel because you are out of toilet paper and/or tissues, and living off of rice and pasta. These, comrades, are just some of the symptoms of debt-o-holism. It ain't pretty. And you know what, I am damn sick of it.
I am going to be completely open and honest with my new online friends (and by friends, of course, I mean YOU). I have A LOT of debt...and I have not a lot of salary. My fiance has just as much debt...and only a little better salary. Combined, we owe somewhere to the tune of $85,000.00...and we make, ironically, just under $85,000 (combined) a year. Our MINIMUM payments every month are roughly $1200.00, and we pay $1000.00 in rent. My goal, which will be chronicled daily via the mysterious inter webs to keep me accountable, is to pay off $50,000 in two years, and, hopefully, the full amount in four years. My goal is to be 100% DEBT FREE (minus a mortgage, if we go that route) in four years!
Eeeek! That looks really scary now that it is written down and I can see it. Everything makes sense and seems like a fantastically acheivable idea in my head...but wow, $85,000 is a STAGGERING amount of debt. Wow. I am hyperventilating.
Ok. Moving on. To help acheive this goal, I signed the fiance and myself up for Financial Peace University, offered by Dave Ramsey. I am super excited. Fiance is less than thrilled. But hopefully he will come to appreciate the course and the lifelong lessons we will be learning...Hopefully! We start the course on June 6th, 2010. It is 13 weeks long, and the group will meet once a week for about 2hours. I'll keep you updated on how it goes!
Oh, and don't think I'm waiting until JUNE to start my journey to Debt Freedom. Ooooh no, I start TODAY! I am currently searching for part-time jobs and things I can sell off. Hehehe...I am like the reverse hoarder.
I hope you all read, become inspired, leave comments with suggestions or encouragement...just no negativity. Believe me, I get it - I know our student loan debt is astronomical...believe me when I say I wish I went to state school! So please be supportive...or be quiet!
Taking it one day at a time! Until tomorrow, friends!
But now...I do! And boy, do I ever. My road to recovery, if you will.
Hello, my name is Mimi, and I am a debt-o-holic. Phew! There, I said it! The first step is admitting you have a problem, right? Well, sirs and madams, I have a BIG problem. And, problem, thy name be Student Loans.
The symptoms of overwhelming debt are clear, my friend: waking in the middle of the night panic-stricken and covered in sweat, random bouts of uncontrollable sobbing in the bathroom, blowing your nose with paper towel because you are out of toilet paper and/or tissues, and living off of rice and pasta. These, comrades, are just some of the symptoms of debt-o-holism. It ain't pretty. And you know what, I am damn sick of it.
I am going to be completely open and honest with my new online friends (and by friends, of course, I mean YOU). I have A LOT of debt...and I have not a lot of salary. My fiance has just as much debt...and only a little better salary. Combined, we owe somewhere to the tune of $85,000.00...and we make, ironically, just under $85,000 (combined) a year. Our MINIMUM payments every month are roughly $1200.00, and we pay $1000.00 in rent. My goal, which will be chronicled daily via the mysterious inter webs to keep me accountable, is to pay off $50,000 in two years, and, hopefully, the full amount in four years. My goal is to be 100% DEBT FREE (minus a mortgage, if we go that route) in four years!
Eeeek! That looks really scary now that it is written down and I can see it. Everything makes sense and seems like a fantastically acheivable idea in my head...but wow, $85,000 is a STAGGERING amount of debt. Wow. I am hyperventilating.
Ok. Moving on. To help acheive this goal, I signed the fiance and myself up for Financial Peace University, offered by Dave Ramsey. I am super excited. Fiance is less than thrilled. But hopefully he will come to appreciate the course and the lifelong lessons we will be learning...Hopefully! We start the course on June 6th, 2010. It is 13 weeks long, and the group will meet once a week for about 2hours. I'll keep you updated on how it goes!
Oh, and don't think I'm waiting until JUNE to start my journey to Debt Freedom. Ooooh no, I start TODAY! I am currently searching for part-time jobs and things I can sell off. Hehehe...I am like the reverse hoarder.
I hope you all read, become inspired, leave comments with suggestions or encouragement...just no negativity. Believe me, I get it - I know our student loan debt is astronomical...believe me when I say I wish I went to state school! So please be supportive...or be quiet!
Taking it one day at a time! Until tomorrow, friends!
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