I'm back

iVillage Member
Registered: 10-28-2006
I'm back
10
Sun, 07-10-2011 - 11:26pm

It's good to see some familiar names still on the board. I came back to refocus my attention on my bills. i have sat down and dusted off my budget and assessed the damage. Not pretty, but I can fix it. I am not behind on anything which is good, and if I work the snowflaking right by December, I'll be in a bit better shape to start making significant dents in some of this debt.

I've missed you all. I've thought about you all often. This hasn't been an easy past year, year and a half. My ex and I bumped into eachother at the mall, and what I thought was going to be an okay encounter, turned into to him following me home.

iVillage Member
Registered: 03-27-2005
Mon, 07-11-2011 - 7:53am

Welcome back Dana.

stacy

iVillage Member
Registered: 11-14-2008
Mon, 07-11-2011 - 11:23am

Sorry to hear what happened to you with your ex. I hope you are ok now.

It sounds like you have nice plan set out. Good luck with your flakes. Great to see you here!

iVillage Member
Registered: 10-01-2008
Mon, 07-11-2011 - 1:41pm

Hi Dana.

Norma


"Patience is the best remedy for every trouble"- Plautus


iVillage Member
Registered: 12-10-2009
Mon, 07-11-2011 - 7:38pm

Welcome back,

I am really sorry to hear about what happend with your ex and what a good thing that your daughter was able to get the police. It is amazing also how fast things add up when you start to get lax. We are recovering from the spring "laxness".

Sounds like you have a good plan to catch up!

Liz

student loan paid off 2010

Bathroom remodel loan paid off 2013

Pending Car loan to be paid by the end of 2014!!!!!

 

iVillage Member
Registered: 08-24-2007
Tue, 07-12-2011 - 12:21pm
Welcome back Dana!

Gosh, I'm so sorry to hear what happened between you and your X-DH. I hope you weren't hurt too badly.

Sounds like you have a very aggressive plan to pay off the cards -- wow, everything paid by January! Wouldn't that be great!

Kate


empty purse

iVillage Member
Registered: 12-31-2010
Wed, 07-13-2011 - 3:04am
Dana-
OMG with regard to your ordeal and hospitalization, please be careful, your health is the most important thing you have.
As far as the debts, you have a plan, and a budget and you can do this!
Remember, you are happy, you have a great daughter and you own your own life!
-Marie
#Marie
iVillage Member
Registered: 04-10-2003
Wed, 07-13-2011 - 9:39am
Dana I'm so glad you are okay! Good for DD for the quick thinking. And congrats on the payment plan. Debt free in January!! I can't even imagine!

Bex -

iVillage Member
Registered: 10-28-2006
Thu, 07-14-2011 - 1:55am

Hi all again,

i am doing ok, just to clarify I am only paying a chunk of things at a time. For this round it is Lowes, Kohls, Shell, my Mom, and Aarons rent a center, then I will start trying to pay on two huge loans I have. I am trying to psych myself out by not thinking about the loans for now. So I won't be completely debt free for a couple years yet, but by this january I'll be in much better shape to do something about them.

My DD and I talked today about what she'll need when school starts back up. She has plenty (too many) jeans, and shirts, under clothes, things like that. She said she wants a pair of Vans shoes (whatever those are) and she said mom they are kind of pricey.

I looked at her and said you have more than earned those shoes over the past year with all that has gone on around here. She was so happy. She went out for a bit and I sat here and cried. I mean seriously she asked for a pair of shoes! Heaven knows she NEEDS them,

iVillage Member
Registered: 12-31-2010
Thu, 07-14-2011 - 7:41am
I have two teenagers and let me tell you the car expenses are HORRENDOUS! My kids both have old beaters, DD19 has a 1995 Chevy Lumina, and DS has a 1998 Ford Taurus. DD got her car when her father passed, so there was no cost, the Taurus was being used by DH as a work car.
There is a constant need for oil in these cars, they spend at least $30 a week on gas. We have had at least $1500 a year in upkeep and insurance is over $1000 each as they are teenage drivers - are you really in a position for all of that?
Do you want all of your daughters paycheck to go to keeping up a car, or should it go to saving for college?
You got an annuity for your retirement, and you need to finance that as social security will be much less when you retire as will medical care.
$360 for the bus seems like a steal!
We are blessed and work hard with multiple degrees to make over 6 figures and I think cars for the kids are a high expense, I can't imagine doing it with less income.
Maybe our CL will chime in here as she has a son who just graduated as well.
-Marie
#Marie
iVillage Member
Registered: 10-28-2006
Thu, 07-14-2011 - 10:22am
I know, my mom depends on social security and is very worried. I am so glad I have paid nothing into social security, all my retirement is through the teachers retirement system.

College is on her own. I may help some but the burden of that will be on her.

And the car thing.....ugh my head is hurting now :)