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FKA OMG I just bought a house!! {Shreik!!} What have I done!!OMG I just walked away from my house.
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When roles are reversed.

December 24th, 2019 at 05:40 am

I have been the primary earner in our 20 years of marriage. While he did work, it never really went to into our expenses. It was treated as discretionary income and spent on family outings mostly. We were horrible with money, still are tbh, I just couldn't stay the way things were. I was enabling him to keep us both miserable and he had no intentions of changing.

Typically when a couple divorces, the scene is always the father is paying the mom to stay in the house and keep the child while he's working and gets himself a crappy apt at the other side of town. 2 households on one 1 income is not easy. How did these fathers do it? It's unbelievable the amount of effort it takes to keep this up. Honestly its no wonder people just stay married to the wrong people.

Update to my grocery shopping gig: It's coming it about $8/hour, after gas...it's better than nothing, considering the work hasn't been very hard. I figure I can earn more as I put more hours in.

I'm getting a divorce.

December 19th, 2019 at 06:48 am

I don't believe it either. After 20 years, I could no longer keep any hope of a better future, given his current and past attitudes about anything and everything. Throw in a couple kids and the years just kept coming. It was never a good time to leave.

I'm thankful I have a good job. Can't enjoy a penny of it though, as I am now also the sole provider for 2 households. So I have resorted to joining the gig economy to supplement my income. I signed up to deliver groceries. I haven't started yet but I'm hopefull.

Looking for extra ways to earn money outside of my job is now my main focus. I get tired just thinking about it. I'll save that for another post.

I'm hopefull for 2020, for some very nerdy superstitious reason, the number 19 is my number. I'm super pleased I clocked in this milestone this year 2019. My year supposedly.

Working and Keeping Focused

July 7th, 2018 at 04:30 am

Lord, it's been a while since my last blog post. Smile
Still here, on my grind. hustling, working.

Gainfully employed under someone else's corporate umbrella. Appreciative. What a strange trip it has all been. I want to keep my stamina to publish more of my words. So I'll keep the letters to a minimum as to not type too many.


Dreams, hopes, goals, all on the horizon. But the weight of the world is heavy (now at the latest of my 30's) on my mind. Bad things happen to good people all the time, after-all. That's no way to think of course. So here I sit, head unbowed.

Back to Normal

April 8th, 2012 at 01:20 am

My situation has improved since last I wrote an entry. I no linger live with my parents (amen!), we rent a decent size 3 br house with a great backyard. Cozy, really nice, and pretty affordable. While my income has always stayed relatively the same since I have been writing this blog, I feel that my quality of life has definitely improved thanks to financial habits this blog writes about.

I am happy to report I am on top of my expenses, living within my means and even saving a little. I have not reached financial security and really there's only one way I can get their quicker. At this point I really need to focus in increasing my income. This is where that old saying "easier said than done" fits the best.

Credit Score Question

October 19th, 2011 at 04:28 am

I finally put on my big girl panties and ordered my credit reports and credit score to make sure all was in order. Thank goodness I did, because I noticed a HUGE error in regards to my old mortgage. About 2 years ago, I gave up my house through a Deed In Lieu of foreclosure. It went as planned as far as I was concerned...I got the confirmation that it was back in the banks name and my loan was closed. I got no further communication from the mortgage company since then.

About a month ago I got my credit reports from both Equifax and Trans Union, both claimed that the mortgage loan for $500K was still open AND I was over 120+ days late on it. WTF!!!!!???? Of course I called the mortgage company right away and they confirmed it was closed through a Deed In Lieu 2 years ago and they have no idea why the credit bureaus were never notified. Supposedly they will be informing all 3 credit bureaus the correct info within the next 10 days.

Here is my question:
My credit score now is 589. (Horrible I know!!) With them thinking I still have a $500K loan under my name and over 120 days late on it.
After this information has been rectified to a Deed In Lieu in 2009. Do you guys think my credit score will go DOWN? Or go UP?

I was optimistically thinking it was going to go up after the correction...but the more I think about it, I think it might actually go down instead. What do you all think?

Square 1 - Age 31

June 14th, 2011 at 06:18 pm

OK, I really need to get it together. Sure I screwed up royally in 2007 by buying a half a million dollar house that was falling apart and situated behind a pylon yard, sinking mine and my DH's entire savings and subsequently wasting paying a large mortgage the next 2 years. Yes, two years later the mofo CPS were FALSELY sicked on my family by incredibly thoughtless apt neighbors. (I cannot even begin to describe the hellish experience that was, but I'll save that post for another day. On the record, my encounter with that whole CPS issue was so disturbing I totally changed how I view our political reality. It's so depressing when you think about it.)

Anywho....So here I am, with family in tow living back at home with the parents. Rent free, at 31. WTF, right?

I know it all sounds bad on paper....BUT Smile
I swear we have it under control. We're saving rapidly so we can buy another house soon, I'm assuming we might have to pay for it in cash. We are def not doing apts anytime soon. I can assure you...my next foray into buying a home will be NOTHING like my first.

Getting It Together: Don't let others distract you from what it is you really want out of life.




Still here I am trudging along

April 19th, 2011 at 08:17 am

It's been over 6 mos since my last post. I guess to put it bluntly: life is hard and i'm really tired.

C'est la vie...as the French say. As hard and tired as I am, I still like to smile and dream.

I wish I had a happier poem to think about, but I really like this one:

Out of the night that covers me,
Black as the Pit from pole to pole,
I thank whatever gods may be
For my unconquerable soul.

In the fell clutch of circumstance
I have not winced nor cried aloud.
Under the bludgeonings of chance
My head is bloody, but unbowed.

Beyond this place of wrath and tears
Looms but the Horror of the shade,
And yet the menace of the years
Finds, and shall find, me unafraid.

It matters not how strait the gate,
How charged with punishments the scroll.
I am the master of my fate:
I am the captain of my soul.

To Do List

September 2nd, 2010 at 08:19 am

4 month plan:

Enrolled in Accounting 21 & 22 - 6 Units - Finish in Dec 2010

Need: $5,000 by Jan 2011
Save $250/month (x 4 mos.) = $1,000
Cash/Coins = $500
Saved=$2,000
X=TBD

Live overseas Jan/Feb 2011
What to do while over there? How will I generate income?

Come back Mar 2011 - Continue pursuit of CPA





Making Progress

August 25th, 2010 at 10:06 am

1.) Tomorrow I will finally be emptying out my Storage unit. Saves $110/month.
2.) Baby can be weaned off formula starting now.
Saves $60/month.
3.) STOP Overdrafting!!! - Saves at least $70/month.

Total: $240/month

$100 - +Savings
$140 - Pay other bills quicker


I've decided I would like to have less "things" and the few items I keep/acquire I have to really want or have a use for. The problem with this is that I always seem to have a lot of stuff, either through my own purchase or other people bring them, so it accumulates quickly. I don't really do big giant purges at a time, but I'm dedicating time daily to throwing out/give to someone else items in my life that i don't really need.

Just Checking In

July 10th, 2010 at 07:51 am

I don't know why I always fight the urge to come here, because when I do, I am ALWAYS glad I did. It's like a fresh breath of reality. I'm on Facebook a lot and although these are my "real life" friends & acquaintances, there is no way in hell I will share on FB what I share here. Why? Because FB is for impressing others, either with your wit or your Fabulous! life. SavingAdvice...is for airing out your dirty laundry!

So what have I been up to?
Well I quit my job of 4 years. Long story short, it was no longer working out. Time to move on.
I still have my side gig of running the online store of a small medical uniform company. Part of my job security is dependent on the sales generated through the online store...so if you have the need for scrubs and medical stuff, check out my side bar and click on my link. Smile

So...yeah, money is tight! But, after much reflection I don't need much to maintain a life I can be happy with.

Reality:
$2,000 / month = Surviving but probably Miserable, racking up debt due to interest and late fees.
$2,500 / month = OK but hardly saving anything, debts will not be paid down, probably continue to rack up more debt.
$3,000 / month = OK at least I can start making progress with my debts again and not adding to them.
$3,500 / month = again just OK, more will go to my debts, will be able to save more.
$4,000 / month = See Above.
$5,000 / month = IDEAL! - Save, Pay Debts, Live fancy!

Little Steps

April 20th, 2010 at 07:32 am

When I say little. I really mean little. Here are few things I am mentally committed into not spending buying/spending in the next 3 months.

1.) toilet paper, paper Towels, disposable plates, cups, & cutlery - My mom, being the Costco shopper that she is always has plenty to spare.

2.) Soap & Lotions of any kind. I have plenty already.

3.) Junk Food - This one is a hard one sometimes. I. Must. Not. Give. In.

This one has nothing to do with budgeting. But I really need to get back on that treadmill or at least start doing random exercises throughout the day. My biggest excuse for my lack of exercise is that I am already so tired from my daily chores, errands, and taking care of a baby, that I feel that I am already burning enough calories. However my flabby midsection is an obvious contradiction to that.

Money and Budget

March 9th, 2010 at 09:37 pm

I've been avoiding writing down the total of what I owe and basically anything related to writing down some sort of budget.
Pretty much I know what I owe and I know what I will be taking home in the next few months. So...I don't think I will be doing that at this time.

Right Now I just need to focus on:

1.) Increase income through career
2.) Increase income through side business
3.) STOP Buying stupid items!!!
4.) Think of the Earth! and stop being such a consumer.

Odd Fact about Me

February 22nd, 2010 at 09:25 pm

My mother is a fanatic FoxNews watcher. She fits every stereotype of the character. As John Stewart put it on the Factor, she falls for "the Narative" hook, line, and sinker. EDIT: It's not that she falls for it, it's more like that's how she sees the world also.

It's almost beyond explanation, how she fits that very mold. Because "in real life" she is kind, loving, smart, successful and overall a very nice person.


News: I found spiritual enlightenment. Not News: Money is still necessary

November 26th, 2009 at 07:46 am

Recently I stumbled across a site that seemed to have articulated everything I have always suspected about the universe and my spiritual self.

After letting it sink in that I am fully satisfied with what I have found to be the meaning of life, I realized that no matter what goes on in ones own head, real life is always a constant and is there to greet you every morning. And like it or not, money is a huge part of that "real life" for us who chose to live in society. FACT: The DWP does not care what kind of spiritual enlightenment you have found, that bill is due on the 21st.


It's all relative

October 11th, 2009 at 07:53 am

I am always so conflicted whether I should be happy or upset about where I am at in life. Sure things could be worse, but damn they could also be a whole lot better.

Had I not bought a house 2 years ago I would probably have over $50K in savings and not be in CC debt up to my ears. Yes, that is for sure depressing to think about. But then I take stock of what I do have: a clean, comfortable, & safe abode, a reliable source of income, food and health insurance for my family, & last but not least a nice glass of wine while i write this entry. Not too bad.
But then I start think of what I COULD have had. Frown

I pursued a Deed In Lieu of Foreclosure rather than just a letting it go into a foreclosure, which has sped up the whole process of turning my house over to the bank. I have gotten so much slack from everyone I know about leaving my house so early in the game without taking advantage of staying and not paying. In my defense, I could not live like that. Sure I could have saved money, but it would have been a very uncomfortable situation for me.
As soon as DH and I decided we were going to give up the house, we wanted to move right away. Sooo...had we not been so haste in our decision, we could have been saving $1,500/month in the last 4 months.

Is comparing yourself to a destitute vagabond really a positive way to uplift yourself?

Move along...nothing to see here.

August 10th, 2009 at 10:32 am

It's official I am now a member of the "poor sap who lost their house in the meltdown" club. What can I say...it was not worth fighting for and I figure the 200+ point hit on my credit rating was a tad bit better than overpaying $200K+ on a house.