I've been quite sick lately WAY too often. In preparing for a relay race next Friday (!) this isn't very useful.
However - as a result of how crappy I have been feeling, and only feeling a little better today, I have decided that it is really time to increase my positivity in my life. I have SO many great blessings in my life, I need to remember that. Wife, Family, Friends, LIFE!
I am working on a 'bucket list' - 123 things I want to do before I die. I honestly won't beat myself up too much if some of them don't happen, but at least it'll give me something to work towards. I'm not even a quarter of the way through, so this will take a while!
We are working on getting our house ready to be put up for sale. Our hope is to get completely out of debt and from there - STAYING that way. We have enjoyed owning a home, and I do think it is generally a smarter option than renting. However, being tied down with no options makes it hard to stay positive. We are looking forward to some FREEDOM!
This is the start.
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Wednesday, June 9, 2010
Thursday, October 9, 2008
Boy it's nice when things come together!
Yesterday I had my Annual review.
It is actually hard to imagine that I've actually been in this position for over a year now!
The review and accompanying raise went better than I thought, which surprised my Boss, because I think he was expecting me to be wanting more... not that I don't WANT more, but I was happily impressed getting a higher percentage raise than expected.
So that's good news!
The other good news, and is GREAT timing along with the raise, is we are closing on a Home Equity Line of Credit that will save us well over $100 a month in various payments. We will have more control over our debt!
This will help in my major Financial goal of GETTING OUT OF DEBT.
Not amazingly - but it's a great improvement on the way things have been going lately.
Things are looking up! Hooray!
It is actually hard to imagine that I've actually been in this position for over a year now!
The review and accompanying raise went better than I thought, which surprised my Boss, because I think he was expecting me to be wanting more... not that I don't WANT more, but I was happily impressed getting a higher percentage raise than expected.
So that's good news!
The other good news, and is GREAT timing along with the raise, is we are closing on a Home Equity Line of Credit that will save us well over $100 a month in various payments. We will have more control over our debt!
This will help in my major Financial goal of GETTING OUT OF DEBT.
Not amazingly - but it's a great improvement on the way things have been going lately.
Things are looking up! Hooray!
Friday, September 26, 2008
Allergies and/or Sickness are NOT FUN
Jujitsu last night was fun - but the other guy that was there last week wasn't there, so the two of us did more talking than Jujitsu. It was still fun and I did learn some and was able to roll a little bit. I'm still very excited to learn more.
There were three problems which made me a bit hesitant to do too much physically...
1. I had just eaten dinner - REALLY great salmon and salad and green beans - Delicious but too close to the physical activity.
2. Our new 80-90% Vegetarian lifestyle has been giving me some major bubbles in my stomach... NOT fun especially when wrasslin'. Yikes.
3. I had a horrendous allergic outbreak last weekend. Something got to me real bad. Now I THINK that as a result of my allergies my throat was really irritated and this was further exacerbated by the smoke machines, heat, and air quality at the SYTYCD Tour on Tuesday causing me to miss work Wednesday. My throat is still weird, I have this nasty wheezy-type cough, and occasionally feel feverish and dizzy. Those last two are what makes me worry it might NOT be just allergies... but they are usually only late at night as I'm trying to go to bed.
Very annoying.
I brought my soccer stuff to work today (nothing really unique for soccer though... I don't have cleats or shin guards or anything!) but I'm not sure if I will go play or not. I could probably use the sunshine and fresh air!
Yesterday we went to our Credit Union and applied for a Home Equity Line of Credit (HELOC). We are tired of our Credit Cards and want to have more control over our debt, along with a lower payment. Online the rates matched what the lady told us, but the payment threw us off a little, and we need to verify that what we think she said was correct. According to the online listing of loan options, the monthly payment on the HELOC was 1.25% of the balance. For the debts we are looking to 'pay off' with this that would save us approximately $100-150 a month on debt-payments, which is definitely a good thing. But for some reason both my wife and I think the loan helper person at the Credit Union said that the monthly payment was 3.5% of the balance per month. THAT would put us at DOUBLE what we are currently paying per month on Credit Cards and student loans... so that wouldn't make much sense.
We'll find out when we hear from the people that really make decisions about the loans. Hopefully this will help us get back on track a bit.
What I really need to do is find a job that pays more than I currently make. We won't be able to get out of our situation otherwise - we don't have any superfluous expenses to get rid of!
I blame our car, which is looking at another $1000 in repairs before we can even sell it... for hopefully around $2000. :(
There were three problems which made me a bit hesitant to do too much physically...
1. I had just eaten dinner - REALLY great salmon and salad and green beans - Delicious but too close to the physical activity.
2. Our new 80-90% Vegetarian lifestyle has been giving me some major bubbles in my stomach... NOT fun especially when wrasslin'. Yikes.
3. I had a horrendous allergic outbreak last weekend. Something got to me real bad. Now I THINK that as a result of my allergies my throat was really irritated and this was further exacerbated by the smoke machines, heat, and air quality at the SYTYCD Tour on Tuesday causing me to miss work Wednesday. My throat is still weird, I have this nasty wheezy-type cough, and occasionally feel feverish and dizzy. Those last two are what makes me worry it might NOT be just allergies... but they are usually only late at night as I'm trying to go to bed.
Very annoying.
I brought my soccer stuff to work today (nothing really unique for soccer though... I don't have cleats or shin guards or anything!) but I'm not sure if I will go play or not. I could probably use the sunshine and fresh air!
Yesterday we went to our Credit Union and applied for a Home Equity Line of Credit (HELOC). We are tired of our Credit Cards and want to have more control over our debt, along with a lower payment. Online the rates matched what the lady told us, but the payment threw us off a little, and we need to verify that what we think she said was correct. According to the online listing of loan options, the monthly payment on the HELOC was 1.25% of the balance. For the debts we are looking to 'pay off' with this that would save us approximately $100-150 a month on debt-payments, which is definitely a good thing. But for some reason both my wife and I think the loan helper person at the Credit Union said that the monthly payment was 3.5% of the balance per month. THAT would put us at DOUBLE what we are currently paying per month on Credit Cards and student loans... so that wouldn't make much sense.
We'll find out when we hear from the people that really make decisions about the loans. Hopefully this will help us get back on track a bit.
What I really need to do is find a job that pays more than I currently make. We won't be able to get out of our situation otherwise - we don't have any superfluous expenses to get rid of!
I blame our car, which is looking at another $1000 in repairs before we can even sell it... for hopefully around $2000. :(
Subscribe to:
Posts (Atom)
Posts
