Skip to main content

Maybe or Maybe not

Ah! Car payment hasn't cleared yet and they don't have it yet. Mailed it on Wednesday. Normally when I mail it on Wednesday it clears my bank by Friday. I'm giving it until Monday to be delivered to them before I stop payment on the check. I was told she made a note that if they get the check Monday to call me and if I don't hear from them by then I will take cash over to make my payment. I am so close to this being paid off that now I feel like the universe is trying to screw me over or try my patience.

I will not be kicked down at the start of this or this close to having the vehicle paid off. It will be $25 I did not budget for to stop payment on the check, however I night not have a choice. The waiting game all weekend is going to stink but I got this. I might be kicked at the moment while feeling like I am already failing but I am not down. This week I can move a little money around to cover the cost. I can honestly say though if I had not started this budget yet I would not have the money to cover it at all. So that is one plus side.

Today I decided I need to use my Credit Karma and Credit Sesame accounts. I mean they are there to help me see my score with a soft hit. Now I should be able to pay more attention to my score and debt better as well. Also filed with Annual Credit Report  to check a full scale version of my credit report. I am not going to submit for any new credit cards for at least 3 years. I will be submitting for a new to me vehicle sometime in 2019. I need at least a 7-8 passenger vehicle. My husband says 7 is good since that means when all 6 kids are with me he doesn't have to go - punk butt. I would love an 8 passenger so when we go on a trip somewhere he is able to go along as well.

I highly recommend the 3 links I mentioned so you as well can keep track of your credit score. They were a huge help from 2015 until May 2017 when things started to go down hill. The main reason it went down hill is due to not using the credit monitoring anymore. So that will change starting today.

I am going to get this paid off. Picking a few extra days in November to help get some extra cash for Christmas presents. The girls already said they just want cash but I feel I have something better in mind for them. Starting the Thursday before Thanksgiving until the day of Thanksgiving I will be working 8 days that week so I have some extra cash to take my older 3 sons out for a joint Birthday Celebration with them, my oldest daughter and myself. I have something special in mind which will require some extra cash for it. I am making plans to treat them, they truly deserve it. Plus I will have a little extra for bills as well.
Labels:
Location: South Bend, IN, USA

Comments

Post a Comment

Popular posts from this blog

Money Left

Today was a visit with my three older boys. I was worried for a moment that we wouldn't have enough money to do anything when I received the lunch bill for $74.15 plus tip which I left $10. I got lucky by having a $25 gift certificate which brought the total down to $49.15 then $10 tip made it $59.15 and I got $0.85 back. Yay for some kind of change! We went to the bowling alley since it was the last weekend for Kids Bowl Free All Summer and the place was packed and it was an hour wait for a lane. So the kids played black light mini golf instead. My daughter played 2 rounds and the boys played 3. It was a good deal since the price was $3.95 per person for unlimited golf. When we left we had $20 out of what I had budgeted for. I was going to take them to get milkshakes but I swear I heard the boys say they didn't want them so I told their dad we were done. Apparently only my oldest son said he didn't want one. Ooops! Anyways we have a starting balance of $20 for the next v...
Post a Comment
Read more

Prove them wrong

   The other day someone told me that I could never pay off my credit card debt by myself or in 3 years. My credit card debt goal is 18 months. Which is completely doable if I follow through with all my carefully laid out plans while also saving money for an emergency fund. So I am going to prove them wrong by proving myself right. I am not doing this for them - I am doing this for ME. If you try to do something for someones benefit beside yourself; it will 95% of the time fail. You have to do anything in life for yourself first.  I sat down looked at a rough estimate of next week's money coming in. I wanted to see a full account of where the money was going. We are able to pay off the first credit card next week! The card is closed but mainly because the stores closed. Toys R Us will be paid off in full next Wednesday. So 1 down many more to go. Next week the cell phone bill comes due which means my last cell phone payment is done and the insurance is done. I will be c...
Post a Comment
Read more

How did it happen?

    Welcome to my blog about how I am going to get my family out of debt and trying to do that in 3 years time. First a little bit about us - I am a female in my mid-30's, my husband is in his late 50's and between us we have 9 children. His children are grown adults so that is a bit easier and only 2 of my children live with us. My other four are in our lives but not in our home.  So I was thinking I am sure at some point in time most of us have that moment, where we look at our finances and wonder "How did this happen? Where did I go wrong?". We went from no debt to struggling to make ends meat. Well this moment happened for me a year ago. I sat down to make a budget, but that will only work if you follow it. Now here I am a year later and not any closer to being debt free and in fact I have more debt than I did a year ago. My husband just tells me  I support whatever you decide on this dear. I love him for being so sweet. Our monthly income is more than...
Post a Comment
Read more