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Almost There - Part 2

June 14th, 2007 at 07:19 am

Only a few more last minute details before I can officially declare myself a home owner. I was a little paranoid at first, not wanting to mention to ANYbody about my house-hunting/purchasing activities because I didn't want to deal with any explanations just in case the the deal fell through. But at this point i'm pretty confident I will be in that house soon enough and I will have some else new and exciting to worry about.

THE MORTGAGE

I am very scared at the thought of the monthly mortgage and tax on the house every year.

I'm a fairly organized and goal oriented person but sometimes I have my moods where I don't feel like doing anything at all. This is why I have to be really realistic about the goals I set for myself, I know I get lazy and I don't want to beat myself up over that. Another SA blogger asked "What Is Your Luxury?" Well letting myself have lazy moments is my luxury. Letting myself feel like I don't need a million things accomplished as soon as possible is my luxury.
Sometimes I just want to take my sweet time doing whatever it is I'm supposed to do!! (Rant over)

God willing I find myself with a set of new keys to my first house.
Things to do ASAP after closing escrow:

1.) Start a 2nd Checking Account just for saving towards the Property Tax. & Home Insurance - Opening Bal. $600

2.) Move $1,000 back to my ING savings. Turn auto savings transfer back on. Even if it's just a small amount.
DO NOT TOUCH THIS MONEY EVER!! LET IT GROW AGAIN.




Almost There

June 5th, 2007 at 06:22 am

God willing, I will be able to change the name of my blog from "OMG I need to buy a house soon" to "OMG I just bought a house"
and yes it was the house with the elecricity pylons behind it. I have read everything I could possibly read about it online and my DH and I decided we could live with it....not Forever but live with it for a few years at least while we wait for the housing market to go nuts again.

Living Near Power Lines

May 29th, 2007 at 06:44 am

I've found my dream home!!...sort of. The problem is the house is right behind some Power lines/tower. I've read a lot of research about living near power lines and most say there is no corrolation between living next to them and cancer or that they are non-conclusive. Could a few people please give me some feedback about living next to these things or if you have friends or relatives that live next to them. For example: How long have you lived near them, do you have small children, did any of your family members who lived in that home develop any illness' after you moved in...any feedback would be appreciated. Thank you so much.

Focus

April 5th, 2007 at 06:49 am

I've been all over the place lately. I recycled my big bag of cans and bottles last week and was disappointed with my $2.10 earnings.


I've hit a plateau. I feel like everything is at a stand still right now.
I need to refocus. I saw something on tv the other day where someone said something to this effect
"what do you do when you get to the point where all your dreams have come true" then he went on and on about all the other crap he was going to do with the rest of his life. LOL. What a douche for saying that.

Baby Steps

March 19th, 2007 at 02:10 pm

I had 2 Capital One credit cards, but I finally stopped procrastinating and closed one of them, so that i don't have to pay for the annual fee. Saved at least $50 a year.

Started recycling 2 days ago also and i've already collected quite a few bottles and cans since. I'm hoping to hit at least $5 this Saturday. If i can hit that amount, i'll keep it up.

Next Goal: List out remaining Credit Card balances and pay them down to at least 10% of credit limit with my next paycheck.

Bunch of Liars!!

March 18th, 2007 at 07:51 am


Everytime that Quiznos commercial comes on promoting their new Roast Beef sandwiches, i'm filled with disgust at the blatant lie they are feeding everyone. Just in case you haven't seen the commercial i'm talking about, i've posted a picture of the "supposed" succulent roast beef sandwich they are promoting.
Over a month ago, i bought that sandwich and let me tell you, not only did the "roast beef" inside that sadndwich NOT look like the promoted product. It looked like Pureed Roast Beef BABYFOOD. I was disgusted beyond belief. And not just because of the taste. But because it was the most blatant lie I had ever been told.
I am shocked, livid even that there has not been a public outcry over this, given that the commercial is in pretty heavy rotation in my area on the TV.
I have been struggling with my self to buy that horrid sandwhich again JUST SO i can take a picture and show it to the rest of the world. I am as you know on the cheap side (and i'm not talking about when i've been drinking) I kid, I kid. But i will do it... I'm going to expose those liars!

Resolution Met

March 15th, 2007 at 04:17 pm

Ha! I did it. I upped my bi-monthly auto savings amount by $50.00

Goal for this week: Deposit exactly $150 of my "weekend" money on Sunday night.
NO EXCUSES.

What is a DS / DH???

March 15th, 2007 at 08:42 am

Darling Husband
Dear Hubby
Doting Son
Dead Horse??
Damn Husband Smile

Suze Orman

March 15th, 2007 at 07:27 am


This woman used to get on my last nerves.
I used to pass her show on TV and would switch right away. I thought "Yeah, I know!! Stop buying stuff I don't need and save more of my income", "Duh, I knew that already", "Thanks for rubbing it in that I could have been a millionaire by now, if i'd paid attention to you earlier"......Well you get the picture. I might be exagerating on that last bit there. But NOW...after i actually gave her show a full shot, I love love this woman. I love how she tells it like it is and tells your broke behind "You can't afford it!"
I always had the misconception that she only catered to uppper middle class people and that her advice would never do me any good. Well the truth is most of her advice IS over my head, but I do find her show extremely entertaining and it kind of makes me feel better about my finances when i hear other people having the same issues. You mean i'm not the only dork not saving half her paycheck??
I will save the intricate details of investing in all those wonderful accounts she talks about for after my first goal of purchasing a home. At this point, i'm happy with my ING account and an actual piggy bank for my savings needs.

Resolution for tommorrow: Raise my automated ING bi-monthly savings transer by at least $50.

Paying old debts

March 14th, 2007 at 07:32 pm

You know, I DO feel good about paying my old debts. My reasoning was always that my money was better served somewhere else rather than paying old debts that nobody except the collection agencies cared about. I mean those 2 out standing bills didn't seem to be affecting my life in a significant way for these past 3 years, my credit was still good enough to acquire new credit where i needed it. I really hope this bumps up my credit score a bit. I'm going to start filling out applications to pre qualify for home loans in about 3 months. (YIKES!!) I can't wait! I can't wait! *Crosses fingers and hopes to get preapproved to able to buy something decent.

Congratulations to me

March 14th, 2007 at 07:37 am

Instead of spending my tax refund this year on something frivolous for myself ( a cute new designer bag, a spa day, a shopping spree) I spent it on outstanding bills that have long been filed as "i don't care about these bills anymore, its been over 3 years". I only really had two bills that have kind of been an albatross on my back. I incurred these debts when i was in my very early twenties and i've meant to pay them all these years but i never could bring myself to do it.

Finally, it's done (well i still have about 2 more payments of 191.33 left). But i should be done with those in the next montht. I'v scheduled the payments through my online bank bill-pay. Now i can honestly say i am up ON TOP of my finances. Well on top of my debt anyways.


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