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Archive for January, 2008

Rollercoastering....

January 29th, 2008 at 03:17 am



Lately, life seems like one big rollercoaster ride with all the loop-de-loops, sharp turns, slow climbs to the top and sudden plunges to the ground. There are days when I can't wait to get on because it looks like so much fun. I'm looking forward to the ride and all the thrills and chills that I'm excitedly anticipating. Once on, however, I sometimes wish it would hurry up and end. Maybe the highs are too high or the lows are too low or the loop-de-loops are just too crazy but sometimes it just makes me dizzy and I want to get off before I throw up. Some days I'm up for it and some days...well, not so much. Right now, I feel that I'm just in line waiting. And it's a LONG freaking line. Ya know, the three-hours-wait-past-this-point kinda line. That's how I feel about my debt sometimes. I can't wait until that day when I can enjoy the highs and tolerate the lows because I have that safety cushion where worrying about money is the LEAST of my worries. In fact, I can't wait until it's not a worry at all. THAT would be sweet! To actually go into a store and buy something I need for myself or my son and not feel guilty for buying necessities because I'm adding to my debt overload is something I am looking forward to soooo much that I feel like I'm at the end of a long damn line to the most popular rollercoaster in the world and it's been temporarily shut down for maintenance. Since no one wants to lose their place in line we all stay where we are...and we wait.

Back by Not So Popular Demand....

January 5th, 2008 at 11:13 pm

is me! I have been in lala land for the past four months or just past that give or take a week. Major upheavals in my life have caused me to procrastinate to the extreme. I'm only back because of a loving prod from a dear friend. Okay, more like an electrified cattle prod but then I kinda needed it. I've missed posting and reading everyone else's posts so I will try to correct that in the next few weeks. Regardless of my personal problems, I'm proud to say that I have stayed true to my journey to a debt free life. True, I'm not as far as long as I would have liked because of some financial issues that came up unexpectedly but I have managed to knock about 400.00 off of my total debt owed AND I just made my last payment on my 401K loan. I restructured my insurance so that I should be getting back about 20.00 more per month instead of PAYING more and with an additional 150.00 that I was paying towards my 401K loan I think things will loosen up a bit so I can breathe a little easier in the coming months. PLUS, I have 3 cards that are within 200.00 or less of being paid off and I'm hoping to have a small tax return this year which should help the strain even more. My goal for the end of the year is to have at least 3 more cards paid off (not counting the 3 that are close to being paid already) and not putting Christmas on credit this year. I did have to put 400.00 on my credit cards for Christmas this year (not happy about it but you do what you must for your children) but considering I'm still 400.00 lower (INCLUDING the Christmas charges) on my total debt owed I think I ended up in a better position then I would have initially thought after all the unforeseen expenses and emergencies combined. Victoria's Secret STILL tries to entice me back with another increase to my credit account but since it is one of the cards that only has 100.00 left until it's paid, they are unlikely to tempt me back.

I truly believe this will be a MUCH better year for me (or at least hoping), especially since I will actually have a real birthday this year. In Leap Years, I will be 11 years old. By people years, that would be 44. I prefer the Leap Year accounting best. Smile

Happy New Year's to everyone and I hope it's one of the best years to come!