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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.
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Location: South Bend, IN, USA

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