Friday morning

iVillage Member
Registered: 09-22-1999
Friday morning
7
Fri, 11-23-2012 - 2:23am

Dear Friends,

Just passing by right now, and saying HELLO!  I am still alive, but things are TOUGH, but I am trying to hang in there.  Sorry to say that my debt total has remained the same, but I am working on it.  I made budget tonight for 2013, and it will be challenging to keep up with it, but I will work on it.

I have had so many debt and money stories to tell, but I have to get my head around them still before I can tell them......but I got a shocking bit of news over the turkey this afternoon when a dear relative who does not have a pot to pee in said she had bought a house, and she was excited beacuse she only had to put up $1000 to get it......but she has no e-fund nor any other money saved, and her plan to "afford" the house was dependent upon her grown up daughter saying at home with her and contributing towards the house and regular expenses.  She knew I would not be happy with this because 6 months ago I passionately  tried to talk her out of this notion...but she didn't want to live in an apartment anymore.  Her job is not stable, and one major illness could wipe her out.........Well, I told her I wished her luck, and I wasn't going to be mad at her because my money wasn't going to be spent on the house........but I think of all the $1000s I gave her to help her out, and she NEVER has tried to reciprocate....and now she is buying a house........but when the time comes that she asks me for money, I will SAY NO WITH LOVE.  (Thank you, Suze Orman!!!!!!)  I am refocusing on MYSELF starting this weekend (with the start of the budget iI drew up), and NO ONE is getting my money except my creditors for a while.

I want to move myself, but I am stuck in this apartment for at least 2 more years.  For now, I am just paying my bills, staying on the straight and narrow.

My job had a layoff last week, so I am on edge, and I need to deal with my financial situation and my prparedness to find a new job if they decide to layoff again.

I don't have much of an efund right now, so I am trying to put a plan together for that.  Of course, I always get stuck with a huge bill afer I start a new efund, but I guess I gotta keep trying on that.

I have to figure out Christmas gifts next.  I am keeping it simple this year.  I'll write out a list and stick to a budget, but the big gift giveaway of the past isn't so exciting for me anymore.

I have a couple days off coming, and I am going to be resting and enjoying the stuff I already have.  I also have to get the house organization project started.  Last year, I had started my journey thru hell, I mean my duties as a caregiver for my uncle, which has not been getting easier (and I just got the new increase of $9.50 / day for the assisted living) ....and I spent 2 days in the emergency room with him instead of resting during the Thansgiving break last year,,,,,,,,I pray I don't have to go thru that again this time.  We just finished a major eye operation for him last week.  I have had NO HELP aside fromthe assisted living with taking care of him.  No help in sight.  I will be hiring a company to do the things I will not be able to in 2013.

I am very motivated to get rid of the debt in 2013.  Stick with me!

Littlesbigs, who was thankful for the delicious turkey dinner at the assisted living becase my 2nd turkey dinner at my SO's mother's house was awful!!!!!!!!!!!!

 

 

 

 

 

 

 

iVillage Member
Registered: 09-22-1999
Sun, 12-02-2012 - 2:11am

Hi, CountryGal!  Awww, shucks!  Thank you!  I will try to post more reularly again starting soon.  Thank you!!!  Littlesbigs

iVillage Member
Registered: 09-22-1999
Sun, 12-02-2012 - 2:07am
Dear Evelyn, I KNOW!!!! I can't figure that out.....And I am shocked that you can still get a mortgage like that. I wish her the best, but I am only non-financially supportive now. It's very liberating! I am very motivated now to make changes in my life, and the debt total is only a part of it. Littlesbigs
iVillage Member
Registered: 10-01-2008
Mon, 11-26-2012 - 1:15pm

So VERY VERY wonderful to hear from you LB!!!  Hold your head high and know that you are NOT your relatives bank for future withdrawals.  And as far as caring for your dear Uncle, I admire you SO much.  I don't know if I could do what you are doing. 

Pls. stay in touch...I've missed you!

iVillage Member
Registered: 09-22-1999
Fri, 11-23-2012 - 10:40pm
Thanks, Galstorelady!!!!!
iVillage Member
Registered: 09-22-1999
Fri, 11-23-2012 - 10:39pm

Dear Evelyn,

I don't get it either.....I was better off not asking for details at the time.  I can see she is setting herself up for disaster but nothing I can do about it except to PROTECT MYSELF.

Littlesbigs

iVillage Member
Registered: 11-14-2008
Fri, 11-23-2012 - 1:12pm
Hi Lil I am glad you are going to go through a company to help with your uncle. 2013 is going to be great for you I can feel it! I am wishing you a good turkey!
Avatar for CMEvelyn
iVillage Member
Registered: 05-29-2012
Fri, 11-23-2012 - 11:29am

Hi Littlesbigs,

Thanks for stopping by. I don't understand how someone can buy a house with only $1000? Isn't that what caused the housing market disaster - giving mortgages to people who couldn't afford them?

Glad you're hanging in there and sounds like you're very determined and motivated. Keep it up, and keep us posted!