OMG...I have never been so ready to get back to work in my life!!!
No, no, no...don't panic. I'm still not a big Corporate America or j.o.b. fan, but I'm even LESS fond of being this damn broke! So the acronym for j.o.b. (ie, Just Over Broke) will be a STEP UP for me at this time!!!
I have plans for the next few months. Those plans involved getting a few thousand dollars a month in income, getting a lease option on this house, getting my Denali XL (finally), getting almost ALL bills paid off, raising my GPA back to acceptable levels, and getting my FICO over 600. Yep...all before next Spring.
How, you ask? Well, it all starts with a job, making more than $30K a year. Mix in the part-time income working with AT&T, then sprinkle in about $700/month in child support (most from my selfish ex-husband hopefully) and we should be in a good place. Then top with supplemental income from a part-time Amway online business and some revenue from StarrDom Travel - relaunched and rebranded as a destination wedding/honeymoon/group getaway only agency - and I should be bringing in a nice chunk of change per month.
All to get me to the aforementioned goals. I was originally hoping to have my Denali by my birthday this year but, unless I do something wreckless and stupid...or win the lottery...I won't. That's okay, I'm aiming for next year, around tax return season to be specific. My bills should be in such a good place by then that I could afford to split my return between that and a good down payment on a certain surgery I've been wanting to have.
That's the general plan, now it's time to narrow it down some to more specific goals. It's gonna happen, I no longer have a doubt. God promised it to me, and He does not break his promises.
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Showing posts with label goals. Show all posts
Showing posts with label goals. Show all posts
August 14, 2010
January 9, 2009
FFM (family financial meeting) is in Session
So my sisters and mom and I decided we need to start back having our financial meetings again. These are meetings where we lay it out on the table, no secrets, no money-is-taboo attitudes, nothing holding us back from being real with each other about money. This past year, I have done so much better at being transparent in so many areas. I am glad we are doing this again...especially for the next generation. As I said tonight to my 16 year old niece (in front of my mother): "We want to pass on this financial knowledge to you now, because it wasn't told to us by our mother - but not because she didn't want us to know...but because she didn't know."
We want our children to be better equipped to handle things financially than we ever were. I want them to know the importance of credit. I want them to know how important it is to start off with good credit...as opposed to repairing bad credit!! We all warned her of the college credit card trap. Credit card companies literally throw cards at college students (knowing they have no income to pay them back) who are not truly aware that this isn't "free money" and they'll have to pay this back. So by the time they graduate college, along with possible student loans to contend with, they already have not-so-perfect credit due to poor revolving credit accounts.
Yes, you're right. That should be illegal.
I am in the process of repairing my credit. Having good credit was never a big deal to me, because I was never taught that it should be a big deal to me. I learned from my mother (mostly by actions) that I was just supposed to struggle and expect to pay high interest rates for stuff. It was just ... accepted as the norm!
Now do you see what I mean when I say changing mindsets and completely redoing my previous ways of thinking??? When I talked to my family at the meeting tonight about "my truck" and that the sticker price for the 2008 was about $59K before rebates, they could barely understand that concept! They want to be happy with just making do; keeping the bills paid, while having a savings, and occasionally splurging on a few extras. For the longest time I thought I was the wrong one for wanting more than that!! But, as the newest book I began reading (as well as numerous others in the past couple of years) by Joel Osteen titled Your Best Life Now reminded me: God wants to give us His very best, not a little...but in abundance!!!
On that note, today I went on a vision quest. I went to actually sit in "my truck" today at the dealership. I even started it up. OMG, it is so fabulous! I cannot wait to have that thing!!! It has a touchscreen navigation system, in the dash!! It has a power sunroof, power liftgate and glass in the back, a rear "backup" camera, factory remote starter, etc etc etc. It's literally everything I wanted and more!! 2010 can't come soon enough!!!
House first, then Denali XL. House first, then Denali XL. House first, then Denali XL. However...
...I did see a 2004 there for only $16,995.....
Joking!!!
Here's today's LOVE tip:
Research your partner's favorite hobby and identify a gift that is really useful for him/her. The more specialized the gift the more impact it will have on them. Talk to friends and family and use the internet to find the information you need.
p.s. I requested my operative notes from my tubal ligation surgery from the hospital today. That means I can find out exactly which procedure was done and how much (if any) of the tube was removed. That's very important for "my doctor" to know!! Yet another step in the right direction!!
We want our children to be better equipped to handle things financially than we ever were. I want them to know the importance of credit. I want them to know how important it is to start off with good credit...as opposed to repairing bad credit!! We all warned her of the college credit card trap. Credit card companies literally throw cards at college students (knowing they have no income to pay them back) who are not truly aware that this isn't "free money" and they'll have to pay this back. So by the time they graduate college, along with possible student loans to contend with, they already have not-so-perfect credit due to poor revolving credit accounts.
Yes, you're right. That should be illegal.
I am in the process of repairing my credit. Having good credit was never a big deal to me, because I was never taught that it should be a big deal to me. I learned from my mother (mostly by actions) that I was just supposed to struggle and expect to pay high interest rates for stuff. It was just ... accepted as the norm!
Now do you see what I mean when I say changing mindsets and completely redoing my previous ways of thinking??? When I talked to my family at the meeting tonight about "my truck" and that the sticker price for the 2008 was about $59K before rebates, they could barely understand that concept! They want to be happy with just making do; keeping the bills paid, while having a savings, and occasionally splurging on a few extras. For the longest time I thought I was the wrong one for wanting more than that!! But, as the newest book I began reading (as well as numerous others in the past couple of years) by Joel Osteen titled Your Best Life Now reminded me: God wants to give us His very best, not a little...but in abundance!!!
On that note, today I went on a vision quest. I went to actually sit in "my truck" today at the dealership. I even started it up. OMG, it is so fabulous! I cannot wait to have that thing!!! It has a touchscreen navigation system, in the dash!! It has a power sunroof, power liftgate and glass in the back, a rear "backup" camera, factory remote starter, etc etc etc. It's literally everything I wanted and more!! 2010 can't come soon enough!!!
House first, then Denali XL. House first, then Denali XL. House first, then Denali XL. However...
...I did see a 2004 there for only $16,995.....
Joking!!!
Here's today's LOVE tip:
Research your partner's favorite hobby and identify a gift that is really useful for him/her. The more specialized the gift the more impact it will have on them. Talk to friends and family and use the internet to find the information you need.
p.s. I requested my operative notes from my tubal ligation surgery from the hospital today. That means I can find out exactly which procedure was done and how much (if any) of the tube was removed. That's very important for "my doctor" to know!! Yet another step in the right direction!!
January 14, 2008
Finding My Mind
Interesting title huh?
Usually people talk about how they're losing they're mind. Yes...I am definitely in the "people" category...traditionally that is! But, in my 2008 Skyscraper Year, I have decided to find my mind again!
I have been bombarding myself with positive information and sermons regarding controlling the types of thoughts that I allow in my mind. You see...I have allowed for too long what has gone on in my mind. The enemy -over many, many years and through many different sources- has planted these negative seeds into the very fertile soil of my mind. And what happens to seeds when planted in good soil? That's right, they grow and flourish!
Boy did my mind have the right combination of ingredients for some of the best growing soil ever! If I could patent and mass-produce it, I would be a billionaire! I mean, my mind could take a negative thought like "What decent guy would want a woman with FOUR kids?"...and before you know it, there is an entire vineyard of negative thinking and self-sabotging thoughts where that one seed used to be!
You know what I'm talking about, don't you?? You've done it too, haven't you?? You can admit it, I understand. I've been there. Got the t-shirt, visor, tote bag, and 32-ounce sport bottle as "souvenirs"!
Those "mementos" have been thrown in the trash...figuratively speaking. I am done with a life of negativity. I have to control what my mind thinks and subsequently believes. In case you didn't know, what you believe is the "fruit" or the "tree" (or in my case, "vineyard") of the seeds that have been planted and allowed to grow in your mind. As with all seeds, it is not an overnight process...it takes a little while. But once those roots take hold, watch out! It's like a weed. If you don't get those roots out of there, the plant will just come back!
It is your choice...and it really takes some effort...as to what fruit your mind will bear. Positive or Negative - you be the judge. I will tell you a secret I learned and will be applying to help me with my struggle. If you are having self-deprecating thoughts about yourself and your worth, SPEAK UP! While the negative thoughts are trying to consume your mind, speak a positive affirmation or (better still) a bible verse out loud. You don't have to yell it from the rooftops, but it needs to be audible. What does this do, you ask? It stops the "stinkin thinkin" (as Joyce Meyer calls it) right in it's tracks. Once you have stopped the negative thought, your job is only half done. You have to replace it with a positive one. Otherwise, guess what will happen?
Yep, another negative thought will creep in to take that ones place.
Don't let this happen to you! Anymore!
As a disclaimer, if you catch yourself in the midst of full-on pity party for one, it's okay. Recognize that you are imperfect, that this new way of thinking will take a while, and don't beat yourself up about it. God doesn't berate you or belittle you the way you do yourself, does He? NO!!! So who are you greater than HE to do such awful things to one of His finest creations??
Ponder that for a while...there will be a pop quiz later!
ps. I haven't forgotten about the guys I mentioned the other day...their stories will come over the next few days, I promise!
Usually people talk about how they're losing they're mind. Yes...I am definitely in the "people" category...traditionally that is! But, in my 2008 Skyscraper Year, I have decided to find my mind again!
I have been bombarding myself with positive information and sermons regarding controlling the types of thoughts that I allow in my mind. You see...I have allowed for too long what has gone on in my mind. The enemy -over many, many years and through many different sources- has planted these negative seeds into the very fertile soil of my mind. And what happens to seeds when planted in good soil? That's right, they grow and flourish!
Boy did my mind have the right combination of ingredients for some of the best growing soil ever! If I could patent and mass-produce it, I would be a billionaire! I mean, my mind could take a negative thought like "What decent guy would want a woman with FOUR kids?"...and before you know it, there is an entire vineyard of negative thinking and self-sabotging thoughts where that one seed used to be!
You know what I'm talking about, don't you?? You've done it too, haven't you?? You can admit it, I understand. I've been there. Got the t-shirt, visor, tote bag, and 32-ounce sport bottle as "souvenirs"!
Those "mementos" have been thrown in the trash...figuratively speaking. I am done with a life of negativity. I have to control what my mind thinks and subsequently believes. In case you didn't know, what you believe is the "fruit" or the "tree" (or in my case, "vineyard") of the seeds that have been planted and allowed to grow in your mind. As with all seeds, it is not an overnight process...it takes a little while. But once those roots take hold, watch out! It's like a weed. If you don't get those roots out of there, the plant will just come back!
It is your choice...and it really takes some effort...as to what fruit your mind will bear. Positive or Negative - you be the judge. I will tell you a secret I learned and will be applying to help me with my struggle. If you are having self-deprecating thoughts about yourself and your worth, SPEAK UP! While the negative thoughts are trying to consume your mind, speak a positive affirmation or (better still) a bible verse out loud. You don't have to yell it from the rooftops, but it needs to be audible. What does this do, you ask? It stops the "stinkin thinkin" (as Joyce Meyer calls it) right in it's tracks. Once you have stopped the negative thought, your job is only half done. You have to replace it with a positive one. Otherwise, guess what will happen?
Yep, another negative thought will creep in to take that ones place.
Don't let this happen to you! Anymore!
As a disclaimer, if you catch yourself in the midst of full-on pity party for one, it's okay. Recognize that you are imperfect, that this new way of thinking will take a while, and don't beat yourself up about it. God doesn't berate you or belittle you the way you do yourself, does He? NO!!! So who are you greater than HE to do such awful things to one of His finest creations??
Ponder that for a while...there will be a pop quiz later!
ps. I haven't forgotten about the guys I mentioned the other day...their stories will come over the next few days, I promise!
August 4, 2007
I Am Not There Yet...But I'm On My Way!!!
Yes, I am still here! It's been a heck of a week. The ups and downs...mostly the downs. I am still a couple of paychecks behind. I got my 'Kids can't come back to daycare until the entire bill is paid' letter. So that means I get to choose between rent, utilities, or childcare.
Aren't you jealous you're not me???
I still haven't made my decision yet...but Monday is fast approaching. Most likely since I don't have another option for daycare, I will pay the daycare bill. But what I can't get them to understand is when I do that, everything else in my life suffers. But they don't seem to care. With the little note the daycare director wrote to me on Thursday, she should be thanking her lucky stars I don't slash her tires! Yes, I am well aware I owe the money. Yes, I am well aware that it is late. No, that does not give you the right to talk to me like I am your child. No, it does not authorize to presume you know what's going on in my life.
I have been thinking and planning lately about being able to work from home full-time, without giving up a weekend. That is what I would have to do to work at home with my current company. That's not really an option. I am praying and believing that I found my solution though. I should have more information soon on that. I am believing God for that desire of my heart. Which will get me one step closer to owning my own business from home.
This is going to sound silly but, I watched Shall We Dance last night. You know, the one with Jennifer Lopez and Richard Gere? I like that movie, it's really cute. But, there was a scene watching her dance with this dancer's shirt and some tap pants on? I saw a great body, and that's what I want. I know, I know....VERY ambitious. But, even if it takes me a year to get to it, so be it. I am worth my dreams.
WE ARE ALL WORTH OUR DREAMS.
If you get a chance, and you haven't done so already, see The Astronaut Farmer. That movie is so worth it, and it is definite;y one to watch with the family. It is the most perfect movie today about NOT giving up on your dreams...No Matter What.
Aren't you jealous you're not me???
I still haven't made my decision yet...but Monday is fast approaching. Most likely since I don't have another option for daycare, I will pay the daycare bill. But what I can't get them to understand is when I do that, everything else in my life suffers. But they don't seem to care. With the little note the daycare director wrote to me on Thursday, she should be thanking her lucky stars I don't slash her tires! Yes, I am well aware I owe the money. Yes, I am well aware that it is late. No, that does not give you the right to talk to me like I am your child. No, it does not authorize to presume you know what's going on in my life.
I have been thinking and planning lately about being able to work from home full-time, without giving up a weekend. That is what I would have to do to work at home with my current company. That's not really an option. I am praying and believing that I found my solution though. I should have more information soon on that. I am believing God for that desire of my heart. Which will get me one step closer to owning my own business from home.
This is going to sound silly but, I watched Shall We Dance last night. You know, the one with Jennifer Lopez and Richard Gere? I like that movie, it's really cute. But, there was a scene watching her dance with this dancer's shirt and some tap pants on? I saw a great body, and that's what I want. I know, I know....VERY ambitious. But, even if it takes me a year to get to it, so be it. I am worth my dreams.
WE ARE ALL WORTH OUR DREAMS.
If you get a chance, and you haven't done so already, see The Astronaut Farmer. That movie is so worth it, and it is definite;y one to watch with the family. It is the most perfect movie today about NOT giving up on your dreams...No Matter What.
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