A lot has happened this week

21/02/2017 no comments Posted in Uncategorized

1) I received my tax refund and knocked out one credit card balance on my debt snowball. My tax return was larger than I anticipated because I was able to claim my son this year. His father and I usually alternate years in who gets to claim him, but since he’s $11,000 behind in child support my attorney told me to claim him.

2)I took my son to a pediatric spinal specialist yesterday and he doesn’t need surgery or another back brace (expensive), just a few physical therapy visits and a follow up appointment in 6 months. That means I can keep him on a less expensive medical plan and save $200 per month in premiums. Not to mention not having the medical bills that would have racked up if he had to have surgery.

3) The courts started garnishing my son’s father for child support, so after a year of not receiving anything after he lost his job I might get some support. I’m not putting that into the working budget but anything that comes my way will go straight to whichever Baby Step I’m working through at the time.

I’ve been waiting for a long time on all of these things to wrap up and it’s not been easy to be patient. So glad that things are turning around for the positive. Happy to have this month put behind me and start moving forward!

Carmen, I sort of get where you’re coming from

05/02/2017 no comments Posted in Uncategorized

I went to college at U.T (as did a couple of other people on this list)and lived in Austin for about 7 years. It was a blast. From there we moved to Atlanta and then kept on moving. I was widowed 7 years ago and thought about moving back to Austin from northern Ohio, but, by then, I loved the 4 seasons, and skiing in the winter, and swimming in the Great Lakes in the summer months. As much as I love Austin, I knew I’d miss many other things if I chose to move back there, so, I decided to stay rooted in the Midwest.

You would be surprised by the commute time from Vennie

27/01/2017 no comments Posted in Uncategorized

We own some land in Wills Point and my husband has a co-worker that lives about 2 miles from where we will be in Wills Point (east of Terrell). They work close to DFW airport and the co-workers commute time is only 10 minutes longer than my husbands and we are currently in Grand Prairie (we are only about 17 miles from his office). The distance is much further but the time is not. Right now my husband’s commute is around 1 hour on a good day!!

Welcome back home!!!! SWA is a great company to work for!!!

We live in the Austin area

14/01/2017 no comments Posted in Uncategorized

We’re from western ny where we were 5 minutes from a beautiful waterfall, 10 minutes from skiing in winter, 10 minutes from one lake, 15 from another, the creek running through our back yard, apple picking, pumpkin picking ($1 each), fall leaves, winter snow, etc. Here’s it’s pretty much the same year round. It’s just not for us.

That is really cute and it’s in our price range!

04/01/2017 no comments Posted in Uncategorized

But, hubby is going to be working at Love Field and I think that commute would kill him. Looks to be 60+ miles. We’ve actually found a place in Parker that we fell in love with. It’s about a 25 mile commute one-way, but he’s doing almost 40 one-way now.
Thanks for the link though!

I have a friend selling a nice century old home in Terrell

28/12/2016 no comments Posted in Uncategorized

The link for it is: http://www.realtor.com/news/trends/heres-do-it-yourself-on-steroids/?iid=rdc_news_hp_carousel_theLatest I don’t know what you’re looking for cost wise, but….It has a small front yard and a HUGE back yard. The flyer she has out front has MANY more pictures so there might be a link somewhere with more pics, I don’t know.

There are more popular areas of the metroplex, but Terrell is growing but still has a nice small town feel. And it’s not as expensive or “plastic?” LOL

Anyway, only house (other than mine which you can’t buy because you’re too smart to do that since you listen to DR and we didn’t know better) that I know of in DFW. I miss home a lot. But we are getting to really like it here (VA…it’s been 5 weeks).

Thanks!

23/12/2016 no comments Posted in Uncategorized

But, one of the beautiful things about the move is that I won’t be doing any packing. YAY! The company movers will come in and pack everything up for me – they supply boxes, paper, tape, etc. Then, the moving guys come take it all and put it in their truck. They drive it to our new house and unload into the right rooms. I just have to unpack and put away. So, while the packing is going on, I’ll be sitting in a corner with my laptop. Gotta love that!

I have good news to share! :0)

15/12/2016 no comments Posted in Uncategorized

Hubby has accepted a job offer and we’re moving. Yes, that’s a good thing. We’re currently in a suburb of Seattle, Washington while all of our friends and family are in West Texas/Eastern New Mexico. Hubby’s new job is with Southwest Airlines in Dallas! YAY!!! We’re going home!!!
They’ve offered a very attractive package to get us down there – like we would have said no anyway. LOL They’re hiring movers to pack and move us, putting us up in a condo for 60 days until we find a house and giving us a moving allowance. Once we get down there, hubby’s salary is going to be quite a bit more than he’s making here (almost $20,000!!!!). Plus, cost of living is much cheaper there. We’ll be way ahead of where we are now.
We sold our home here last year for various reasons. Our debt is very low – some small medical bills that will be gone this month, my car (pre-DR stupidity), a small student load (another pre-DR stupidity) and bills for installment loans (long term) from Extloans lender. Our plan is to buy a house down there and get everything else paid off ASAP. We’ve been looking at houses and found one that we really like on-line. We’re going to make a trip down there in a couple weeks to look at several in person. All the ones we’re interested in would be about half the monthly payment we currently shell out for rent. We’re thinking we can do a 15 year mortgage and have it paid off in 7 to 10 years.
Sorry I’m babbling. We’re just very excited about all this. We left Texas ten years ago (three years in Ohio, seven years in Seattle). It’s time to go home. The plan right now is for us to move mid-Feb. I’m ready to go now!

Roberta, It sounds as if you’ve just sort of stumbled across Wallace’s program

14/12/2016 no comments Posted in Uncategorized

A really great motivator for you would be to listen to Wallace’s radio program online. It’s free and you can listen to all 3 hours of his program absolutely free. Go to his website and click on listen to Wallace, and then go to his archives. I think this will help you get on the right track listening to other callers and their problems and Wallace’s answers to their concerns. You can also learn all kinds of great things about his program just from his website (such as the babysteps and learning to just take care of the 4 walls and letting everything else slide until you start taking care of the necessities). Another suggestion might be that you let your (miserly) sister do you and your mom’s shopping. It sounds as if you gave her your lists, she wouldn’t spend your funds (which will be cash now, of course!) on anything but what’s on your list and you’ll be able to resist the temptation of shopping for crap you don’t need. Lastly, there’s a book by a family called the Economides or something like that and they do really basic things such as buy a 2 liter of soda at the store and then get cups of ice and drink their sodas that way. I honestly haven’t read it because I know it’s a pretty basic “how to” book, but if you go to Amazon, check them out, read the reviews and then go to the library you should be able to glean some extra info. Someone suggested to you visiting the library is like shopping, only for free. I’m in complete agreement. Use that as a substitution for your shopping trips for entertainment. Lastly, I bet the librarian could turn you on to some good frugal living books to continue to keep you motivated. Mary Hart (the author), and the Tightwad Gazette series would all be good places to get you started.

Good luck and congratulations on starting to cut even more of those corners; you’re on your way to success!

You have made some HUGE steps and good for you!!!

03/12/2016 no comments Posted in Uncategorized

There is a line in a hymn that we sang yesterday that fits here. The song is “Yield Not To Temptation” the line is “each victory will help you, some other to win” Big victories are won by overcoming the small things first. You are making some very important decisions and taking what feels like small steps but when you get past some of these things you will look back and see what giant strides they were.

Do you have a consignment shop in your town? If you have new, unworn or well taken care of clothes, you could sell them there and get more money for them than from a yard sale.

I just figured it out and regardless of whether

04/10/2016 no comments Posted in Uncategorized

I get anymore help then mom’s 50 on the light bill, i’ll be out of loans by November. One a month every month between now and then but this month and next month i’ll have to borrow a little. This will allow me to get out of the big one in September, the next big one in October and the little one in November. I’ll hvae to borrow what I can’t get help paying on the light and phone bills this month and a little more next month but that’s it. NO MORE.
I know it’s not the way you were telling me but i’m determined to do this anyway I can without going to jail. Not a good place to be, trust me. It’ll be soo darn good to walk out of that place without taking a loan because that’s the one with the highest payback and interest. The other place is much cheaper so there’s less to give back in the long run saving me money. All yardsale profits go toward the big loan.
In september i’m gonna work out a deal with the phone company to get caught up on my bill so my bill won’t be over a hundred. I’m gonna tell them I can pay 75 a month ’til it’s paid off. I’m considering going on levelized billing on the electric too to see if it’ll save me any money or paying it off every month is better.
Between now and November, we’re gonna be eating a lot of beans, ric and pasta dishes but I don’t care. Think of all the weight i’m gonna lose!!! No more eating out unless mom buys and packing food to eat when we have to spend a lot of time in town as well as drinks. Paying nearly 1.50 per coke is crazy. I can buy a 2 liter for .65 and have saved up some 20 ounce bottles for that, water or something else I have at home. I taped all three month’s budgets to the table where i can see it everyday and all day while at the pc. ANd mom will see them too.
Oh, i’m really good someone suggested to get one of Kenneth’s books at the library because i’m enjoying reading it! Can’t remember who it was but Thank you! For the first time in a really long time, i’m actually excited and looking forward to writing down every dime I spend and what I spent it on. I’m gonna start with this month, bad or not.

I’m with you on little faith

21/08/2016 no comments Posted in Uncategorized

It’s tough for me to find hope right now. I want to be out of debt, like someone said, YESTERDAY. But we can’t even get current or get our budget out of the red at this point. I’ll be starting my home party business in June and am hoping to at least be able to make my car payment out of it. Would love to bring in another $500 a month on top of that to get current and throw at our debts. I’ve got the plan, just hope the means come through.

Yes, it will!

19/06/2016 no comments Posted in Uncategorized

I received more good news today. We have 2 furniture bills coming up in June and July and I really wanted to pay those off as they are finance free. Well, I will be receiving a big check for tutoring at our school and will only need about $240 more to pay the first one. I’ll just need to work on the second one. That’s a relief! Dh and I will continue to work on becoming current. It looks like we will manage that by the middle to end of June. Then, the extra pay at the end of June will be for the second furniture bill. We will still need about $1050 to finish that one out. I think I can manage that between e-bay and cake orders. I still hope to teach summer school in June, which will yield around $1200.

We are just being so blessed with many opportunities to drag ourselves out of this hole we’ve dug. God is amazing! I know that, but sometimes I have little faith, and for that I am ashamed!

What wonderful news you shared

21/04/2016 no comments Posted in Uncategorized

I was in direct sales for about 1 ½ years and had a lot of fun, but it sure can be a lot of work too getting ready for all the parties and then the thought of having to unpack the entire order and get it ready to be delivered-YUCK! I always tried to treat my hostesses extra special so they never seemed to mind having the entire order shipped to them and being responsible for delivery. Hope that you find the same. Congrats on all the pre-booked parties too.

Good news!

07/02/2016 no comments Posted in Uncategorized

Dh got a job at Tractor Supply today. He did his drug test and she’ll call him in a day or two to get him on the schedule. He is going to work part-time, but we’re not sure of hours or pay yet until he talks to the shift manager again. This is so great! He works a couple of hours each evening at the school cleaning, but this is flexible so he can still do both. This will help out our budget extremely!

I also had a Tupperware party and she did great! It looks like I’ll make around $125 when all is said and done. I also booked 5 parties, one of which is next Tuesday night. Woohoo! I also started something new. I’ve always packed the orders and then delivered them to the hostess to save money on buying the actual Tupperware bags, but I decided that the money on bags is well spent so I’m sending the whole order directly to the hostess and having her pack her own order. I don’t have the time, and most companies now do it this way. Looks like my summer is going to be busy with parties (that and cake orders)! LOL!

I must say that this is all good news for us. We don’t have any wiggle room in the budget. We have trouble staying current each month. With the added income, hopefully, we can get the debt snowball rolling before the end of the summer. I never did post any summer goals, but I think that if we can save the $1000 BEF and get the snowball going, I’ll be happy. We also have 2 furniture bills coming in June and July that I would really like to pay off since they are finance charge free until then, but it looks like we may just have to suck it up and add it to the snowball. I’ll keep you posted on our progress!