So budgeting has seriously been my nemesis lately. I just can't get the thing right HOWEVER this week when hubby gets his middle of the month paycheck we are going cash only. No more debit cards. Only cash in this house until we get our spending taken care of. SOOOOO when it's gone, the moolah is gone. Scary thought but oh well, it's time to get this party started.
Next is menu planning. I have never planned anything, even when I did lesson plans they were really just for show because if you came in my classroom I was so not doing what it said on those plans! So meal planning was laughable for me. I think though with needing to control spending, this will go hand and hand. This will help me figure out what I need to get together as far as coupons for the trip, as well as making sure that the kids are not talking me into a bunch of processed yuck all the time which is really expensive.
We have been eating up everything in the freezer, pantry and fridge right now. That is until paycheck comes so I have been getting very, very creative!
So as I fret, and freak I just hope that we end up with enough. If we don't you know what? Oh freaking well. We can just go back to when we were super duper poor and eat alot of Ramen noodes. At least we are doing it in a nice house!
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
Sunday, September 11, 2011
Monday, September 5, 2011
Did you just hear that? That suction cup noise?
That is me pulling my head out of my butt. I am so tired of focusing on this stupid credit report! We need a new house. Our house is bursting with kid crap, my crap, Chris' crap, just alot of crap (except the brown kind). Even when Chris rebuilt the enclosed porch it just wasn't big enough. I thought it would work, well it has kind of but now, not so much.
We bought at the height of home buying. When anyone with a pulse was given a mortgage and a set of keys. I wonder if we should have been one of those who foreclosed? Well we didn't buy over our heads. We bought low key and stayed way below our budget. We have alot of equity now, and so we are in a good place. Our payment however is not so good. Taxes make it go up every year and we had already started high.
This house payment is sucking the Sookie Stackhouse light out of our hands. We are getting more and more over our heads. With my student loans coming due we are getting a bit debt heavy and the house is not helping.
I have been working on budgeting and paying off but as life goes, things go and we need. I asked the wonderful people at the mortgage company to help me figure out what I needed to take care of, and so I was given a list of things to pay and that would raise our score enough to be in a better spot. We can get a loan now but if we did we would use all of our equity to get a house. I would love to take some of the equity and PAY CRAP OFF!!! I want to pay my car off so I can put all of that towards student loans (the thing in my life that takes my breath away-I literally feel the wind come out of my lungs and I get tight chested when I think about it). When Caelynn starts KG in a few years that is more money we can throw at debt. But the house is something that is like quick sand right now and the only thing I can do is work through the credit report, pay down debt and send letters to get bad crap off our credit reports.
It's not even like our stuff is that bad! It is SOOOOOO old!!!! It is frustrating to realize that what you did when you were younger and were stupid is reaching out and slapping you in the face later. I know that I am using this to teach my children! They will see what we are doing now and figure out at a young age NOT to play with their credit score like it is something that they will never need.
We bought at the height of home buying. When anyone with a pulse was given a mortgage and a set of keys. I wonder if we should have been one of those who foreclosed? Well we didn't buy over our heads. We bought low key and stayed way below our budget. We have alot of equity now, and so we are in a good place. Our payment however is not so good. Taxes make it go up every year and we had already started high.
This house payment is sucking the Sookie Stackhouse light out of our hands. We are getting more and more over our heads. With my student loans coming due we are getting a bit debt heavy and the house is not helping.
I have been working on budgeting and paying off but as life goes, things go and we need. I asked the wonderful people at the mortgage company to help me figure out what I needed to take care of, and so I was given a list of things to pay and that would raise our score enough to be in a better spot. We can get a loan now but if we did we would use all of our equity to get a house. I would love to take some of the equity and PAY CRAP OFF!!! I want to pay my car off so I can put all of that towards student loans (the thing in my life that takes my breath away-I literally feel the wind come out of my lungs and I get tight chested when I think about it). When Caelynn starts KG in a few years that is more money we can throw at debt. But the house is something that is like quick sand right now and the only thing I can do is work through the credit report, pay down debt and send letters to get bad crap off our credit reports.
It's not even like our stuff is that bad! It is SOOOOOO old!!!! It is frustrating to realize that what you did when you were younger and were stupid is reaching out and slapping you in the face later. I know that I am using this to teach my children! They will see what we are doing now and figure out at a young age NOT to play with their credit score like it is something that they will never need.
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