UGH - can't sleep - rambling post...

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iVillage Member
Registered: 03-26-2003
UGH - can't sleep - rambling post...
6
Thu, 03-02-2006 - 3:27am

Major wind storm going nuts outside right now - I can hear the tarp flapping around on the roof - *really* can't wait for the new roof to be put on the dormers.

All my best,
Danni

iVillage Member
Registered: 02-12-2006
Thu, 03-02-2006 - 7:21am

Congrats on your progress so far!

You deserve a "me" splurge every now and then. I say, go for the pedicure! :)

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iVillage Member
Registered: 03-27-2003
Thu, 03-02-2006 - 7:47am

Funny you should post this, Danni, because I was feeling the same way yesterday (and a bit today), but decided not to post because I felt ungrateful, since all in all we're doing very well. So I'm glad to see I'm not the only one feeling this way.

I want new rings for our anniversary, and a night in a romantic hotel, and new wood floors, and a vacation, and to fix some high-end chairs the kids tore up, and tae kwon doe classes for my son, and two summer camps for my son, and private school for my son, and, and, and...

Of course, we can only have *some* of those things, so we have to prioritize. It sounds so whiny to say it like that--I mean, those are all luxury items we could easily live without.

But I can't help thinking of that $700 MONTHLY that we are "throwing away" on old debts (car and ccs). And I want it GONE. But at the same time, I want that $3000 that's sitting in our account to pay for the things on my wish list. WAAAAAA. Sometimes I just want to win the lottery and be done with it. LOL

Looking at my account right now, with the $3000 sitting in it, plus the first of the month paycheck with the bills not yet paid, it looks like we could pay off my car TODAY and have money left over. Of course, that would mean not paying our mortgage! LOL And not having new wood floors, and not having new rings (dh is allergic to his ring, and mine is lost), and so on.

Thanks for letting me whine a bit. It helps me to clear it out so I can get back to being grateful for all the things I do have, and for the fact that we're in pretty good shape, especially compared to three years ago (four, now? I've lost track) when we were in such desperate straits.

Blessings,

Heather

iVillage Member
Registered: 09-20-2004
Thu, 03-02-2006 - 9:36am

OMG, I think we ALL feel this way sometimes. (I would like to go back to Disney, buy a therapy swing for dd, HAVE ANOTHER BABY!!!, purchase about $1600 in educational materials for dd, trade in our two year old (yes, two..not even paid off yet!!) Corolla for a minivan, get braces, etc, etc, etc!!! We pay out over $1200 towards debt (take home pay is about $3300). Oh, did I mention quit my job? LOL!!!)

Yep, Danni, time for a mini-splurge for you. Your entire life cannot be on hold because of debt. Gotta have a little fun. I know the feeling of having a balance close to being paid off, and then i go ahead and pay it off and barely have enough to buy groceries for the week, because I was in such a big hurry to pay off a bill. Not saying you do that, but just that I think we can get irrational when it comes to paying off debt. It didn't accumulate overnight...it certainly isn't going to be the end of the world if it takea a little longer to pay off than we would like....its a classic type A personality thing. (You are a type A, right? My dh is definitely a type B!!!)

Anyhow, now it is ME who is rambling...hope you make that hair appt!!!
Heather

iVillage Member
Registered: 10-09-1999
Thu, 03-02-2006 - 11:49am

I hear you guys loud & clear. I find that spring always brings feelings of things I want to shop for, want to have, want to do. The nicer weather always gives me energy to DO & doing those things generally means spending!!!

I spend a little time day dreaming & planning but then put it to rest as paying OFF this debt must stay in the forefront to actually MAKE it someday...DEBTFREE that is. Staying disciplined & continuing on this journey is tough & I do believe we can't forget to live a little along the way.

Good Luck !
cindylee

iVillage Member
Registered: 06-04-2004
Thu, 03-02-2006 - 3:42pm

Hey Danni!

Way to go! You have made such huge progress, and good for you for spoiling yourself a little, you deserve it! You have worked really hard to get this far and you deserve this treat! Enjoy every minute of it! I can totally relate to the debt reduction funk, now that I am down to just a car payment I am not seeing as many bills with as much progres, so it is a little bit depressing. I know it's better that I don't see as much debt, but it was really something to see the balances go down on all of them. Now that I am nearing the debt free status I am excited, yet a little anxious! What will I do with my money now that I won't be paying it toward debt? Does that ever cross anyone else's mind? Or am I nuts? Probably nuts! Anyway, I wanted to say "way to go!" to you for all your hard work so far, you are doing great! Keep it up!

~leanne

~leanne

deciding to be happy doesn't mean that everything is perfect, but that you had decided to look beyond the imp

iVillage Member
Registered: 12-12-2004
Fri, 03-03-2006 - 1:31am
Hi, Danni--Gosh, you have made such progress. Debt "funk"? Well, I think we all get there once in awhile. It's like the diet funk---I'm working on it, but hit a plateau, and ate some low-cal cookies (!). Do you ever reward yourself for hitting a half-way point? For example, I went to a show (with GF), and had a great time, because I got one of the medical bills paid off (not charged!) and I only owe about $150.00. Not the big hospital bill or x-ray, but something that I could see the results sooner. Take the small victories (brakes paid for) and go with it. Whiz.