Tuesday, September 3, 2013


A New Job, A New beginning!

So I started my new job. I LOVE IT!!! Better pay, and most of all, Health Insurance!!! (The coverage does not start before October 1st, so let's pray to God, that nothing happens to us before that).

My car broke down today. I was in tears, did not anticipate $310 in car repairs. Unfortunately, I do not have an emergency fund yet...I know, working on it...so it will make a BIG dent in my budget this month.

I have a problem: I do not have clothes that fits or that are decent anymore. Seriously. I am not saying that because I am difficult or that my clothes are out of style. I need clothes to wear. My current clothes have holes, or are too big. I really do not have the money to buy anything at all. Any suggestions? The Salvation Army Store in my town is really awful, and surprisingly, the clothes are pricey.

My son goes back to school tomorrow, yeah!

Have a nice rest of the week!

Tuesday, August 13, 2013

Dave Ramsey, Suze Orman and others!

I have been reading a lot of books by authors such as Dave Ramsey and Suze Orman.  They do have very good advices - however - I find Dave Ramsey to be very strict? harsh maybe? What do you think? I think we need to find a happy medium...I do not know.

Monday, August 5, 2013

Bye Bye thyroid~

My daughter had surgery this morning. She had a tumor on her thyroid gland removed.The surgery took long and I was having a lot of anxiety issues. Anyway, I was adding up the money in the checking account and my husband upcoming paycheck when I realized that we will not have enough money to cover the mortgage and the cars insurance. So I started panicking and calculating everything over and over just to found out that I had just paid the car insurance... You see, now I am a much better careful person with my money - and sometimes I "forget" that I am a 'changed woman". Sounds funny right?

I used to be careless with money. I am much better now. I still make mistakes, I am still in debt but at least I am working toward a better financial life.

My daughter is home from surgery, everything went well, the car insurance is paid for and I will have enough money to cover the mortgage payment. LIFE IS GOOD :)

Monday, July 29, 2013

Debt - A Curse and...a Blessing in Disguise!

Yes, you read correctly: debt has and is still a nightmare, pure hell. I have the choice to curl into a little ball and hope that it will disappear as fast as it came into my life. Some days, I am seriously depressed and very much alone in this journey. However, I decided that it was a blessing in disguise. Why? I appreciate things, money and life much more. I do not take anything for granted anymore. I am more respectful toward myself and the environment.

One year ago, I lost a great job. I not only lost a good income, but also health insurance coverage. Before I lost my job, I was taking anxiety medications, anti-depressants, and high blood pressure medications. After I lost my job, I could not afford to pay for those pills anymore. I lost a little bit of weight (I still need to lose at least 40 pounds), I cut my soda drinks intake, and unbelievably enough, I do not have high blood pressure anymore. As for the depression, well it is a constant battle, I am not on my meds anymore but I am doing better. So, yes, it is a blessing.

I do not wish for anybody to be in debt, and it will take me at least 6 years to get out of it, but I am learning a lot along the way.

My cousin, whom I do not see often, called me on the spur of the moment the other day, and invited to have dinner on his yacht. Yes, his million dollars boat...I was grateful and had a great time. I was helping him and his wife cleaned up after dinner (we had some "canard" (duck) and guacamole-its was delicious) and my cousin threw away the dinner left over in the garbage. All I could think about was "the money being thrown away" and how it would have made me a wonderful lunch for the next day. I guess I should not criticize him - I used to do the same thing unfortunately.

So, I am learning so many lessons along the way...

Have a nice day!

Thursday, July 18, 2013

Car Inspection = fail

When you think you will have just enough money to pay the bills this month...something happens. Three steps forward - two steps backward.

I had the annual inspection on my truck this morning and of course, it did not pass. Total cost to make it work: almost $600. Money that I do not have. Right now, I am super depressed about it.

On another subject, I have been working so hard at "fixing" my credit score. In the last month, I was able to raise my credit score by a lot. I have been "cleaning" my credit report. Now, I think I hit a "plateau"...

Wednesday, July 10, 2013

Credit Report...Repairs!!!

I have to share this with you all. I have been studying and looking at my credit score. Not so good at all. I have made a lot of mistakes. At least, I am aware of them.

However, I have been doing a lot of reading online and studying and I have been "cleaning" my credit report. Every little bit helps.

If you have a chance, go to myfico.com. I am not selling anything...I just came across that website a couple of days ago. Anyway, they offer tons of advices to help clean your credit report. I know, there is no magic wand, and some things are just not "fixable". However, I learned that sometimes asking a creditor to remove a "negative report" can be a good thing and they just might say yes...

And you? Any advices to share?

Thursday, June 6, 2013

Set Back

Yesterday, I was a really bad girl, and spent some money on unnecessary items...I have been so good about not spending on clothes, and being very careful with my money. However, yesterday was disaster day.

So what happened yesterday?

Well, first I received 3 bad news in one day - two about my children's health - and one about a summer job that I did not get because of budget cuts. I know, it is not an excuse to go out on a spending spree.

I was so sad, and stressed out and depressed that I headed to the mall. I bought a bathing suit for my son at Hollister, and a new tie for my son at American Eagle. I spend - $50 at Yankee's candles (for my own defense - everything was on sale 50% to 75% ) and I spend $35 at Target.

I also have been very careful about eating better and exercising more. Unfortunately, I have been eating hamburgers and French fries for the past two days. It is funny how you can go back to old habits very quickly.

It did not make me feel better. So the moral of this story is: the next time I have a bad stressful day, I need to find another way to make me feel better. Overeating and overspending is NOT the solution.

From a very sad and stressful girl :(

Thursday, May 30, 2013

One more debt paid off!

Yes, one more debt paid off. Another small one of course, but still, it is another one paid off.

So, why do I feel depressed about all this? I should be feeling good about all this. I think it is the fact that I do still have a huge amount of debts...and my credit score is low...


Friday, May 17, 2013


Today, I paid one debt. Ok, it was a small one. Still, I am glad and proud of myself. No more phone calls or emails from this creditor!

It is so motivating!!!

My goal is not only to be debt free - but I am working very hard right now to pay my bills on time - respect my budget and avoid late fees. Easier said than done BUT working very hard on it!


Monday, May 13, 2013

Another week, another day.

I agreed to watch my boss dog for the week. Well, I did not really want to but did not know how to say no. Surprisingly, he gave me $100 to watch the dog which help me buy groceries. (I had no idea how I was going to pay for groceries this week). So, I was soooo happy!!!

On another note, my employer cut my hours from 40 to 30...this will have a HUGE negative impact on my budget.

One of the thing I like to do is participate in sweepstakes. Especially online. In the past six months, I have won:

- a $400 gift certificate to BODHI bags
- gloss and mascara
- body lotion
- a mattress cover
- a free oil change at MIDAS.

However, I have hit a "dry spell" in the last two months...Hoping this is going to change!!!


Tuesday, April 30, 2013

A wonderful and helpful reader suggested that I go grocery shopping at Aldi, which I did. I loved it!!!
It was really cheap, and I found a lot of goodies. I was one happy girl!!!

I read a post on Facebook that I wanted to share with you all:

Think about wealth rather than debt. If you think “I’m going to get out of debt” you will keep thinking about debt. If you think “My financial situation will contribute to my overall wealth,” that thought can keep you going.

It is food for thought I guess...

Sunday, April 21, 2013

Sunday, April 21st, 2013.

Unmotivated, Scared and Worried

Have you ever wake up and feel so depressed about your financial situation? This how I feel this morning.

I realize that it does not take "a lot of efforts to get into debts" but it takes a LOT of courage and effort to get out of debts.

I need some words of encouragement today. I feel so depressed about the whole situation!

Saturday, April 20, 2013

Grocery Bill

Saturday, April 20th, 2013

I went grocery shopping today. My goal was to spend no more than $100. I spent $116. I try to use coupons - I am either not good at it? or lazy...but the maximum savings I usually get with coupons is about $20. I wish I could do little those people on "Extreme Couponing".

Any suggestions? Ideas? to save on groceries? Thank you!

Friday, April 19, 2013

Friday, April 19th, 2013

Today is a new day as they say.

Last year, I started gardening. I was going through some very rough times, both emotionally and financially, and gardening is a way to keep my mind busy.

"Most people are aware of the physical benefits of gardening but they don't always think about the mental benefits of gardening. Gardening can provide some very significant and much needed mental benefits in addition to physical exercise such as

1) Stress Relief -
2) Anxiety Relief -
Article Source: http://EzineArticles.com/1670548

It is also a great way to save money. I am so proud of myself when I eat the results of my hard work. Not only gardening is  a great and rewarding pastime, but the crops are fresh, taste better and the vitamins and other benefits they contain, such as antioxidants, are more potent.

Anyway, my goal this year is to learn how to do "canning". Any suggestions? Advices? In order to save money, I posted a "wanted ad" on freecycle.org. I found dozen of Mason jars. I am so happy and excited! Now I need recipes. :)

It is beautiful outside. Windy but sunny...Have a nice day!

Thursday, April 18, 2013

My 1st post - Welcome my friends!

After MANY years of living in debts, I decided to put a stop to it. So this is my journey to, hopefully, be one day, OUT OF DEBTS!!!

I have been reading a lot of blogs - and they have helped me tremendously to get started and motivated on this journey.

I do not have credit cards debts... However, I owe a lot of money to the IRS, I have a car loan and a lovely (not!) student loan as well as other medical bills here and there.  The overall picture is not pretty...I also have to learn how to budget, and use a bank account without running into overdraft fees all the times.  At this point, I am too ashamed to give you a number...

Gurus like Dame Ramsey and Suze Orman are wonderful...but sometimes not very realistic...for me anyway...

I would like to use this blog to share any savings tips or methods that I am finding along the way. As well, I am welcoming ANY suggestions (please be positive!)

So, let's get this show on the road!