Its quiet around here lately . . .
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Its quiet around here lately . . .
| Thu, 09-24-2009 - 8:12am |
Just thought I would see how everyone is doing?
I am pretty good myself. After my dad initially told me I would have to start paying a bill he had agreed to pay (long story, its money owed) he now says he thinks he can keep paying it. It was still the shock and kicked me in the pants to get my butt in gear. So the money that I was going to use to make the payment will now be split between appliances, extra to car payment and efund. It woke me up to make me realize how important my efund is and I need to make more of a conscience (sp??) effort to get it there.
Whats going on with everyone else? The good? The not so good? Whats up?




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Good here debtwise. At our lowest debt since before marriage so DH and I are making awesome headway.
Personally I'm a little depressed. Got laid off in May and being home with the kids 24/7 is an adjustment. I was only p/t (3 days x week) when I worked but I didn't realize how much I valued my time until now. It's great to be home - don't get me wrong - love the kids and love seeing them more and I know DH loves me being home but I think since summer ended a little fall depression has creeped in. I'm just feeling value-less and empty lately.
Oh well, off my pity pot.
September is budget time for us.
I have noticed it is quiet too.
I was hoping that people are busy with their lives(back to fall routines) and not stressing about debt. However, I know that is not likely the case. People really need to remember to come here for help and advice. It is so important to not keep this to yourself and suffer in silence. It really does help to get it off your chest, come up with a plan and start digging your way out. Yes, I'm talking to you new people too that have not already posted. NOW is the time to get out of debt, not later, NOW!
So start piping up ladies. We always need new ideas and can always use encouragement.
I am doing ok. I emailed my accountant today and asked for the deadline for my corporate taxes. He said Dec 31 before I start incurring interest and March before I start incurring penalties. I will likely pay it on time but I was thinking I had less time like the middle of November. So I am rethinking things a little bit as I have until the end of October to decide what to do about the property tax. I will just save until,see how sales are and see where I am at. My ticker will be on hold for the next few months for sure. I am hoping this is a bump in the road and not a sink hole like I originally thought.
As far as extra student loan payments go we are on track for what I thought for the most part. I might have had a high goal and we might meet it, but I am not sure yet. I am waiting until November to cross that bridge because of a semi annual payment we have to come out for our land mortgage and our own property taxes at the end of October.
It is going to be an interesting end to the year. I will not have met my ticker goal but it is close and hey, we are in a better a position this year than last hands down! Next year will be even better. I have been really thinking about what you said Bex "not snow flaking = failure" and you were right. That was how I was thinking. But I don't think of myself as a failure so I should not associate that word with not snow flaking. I am still making my loan payments and the total is going down. Just because it is not going as fast as I want it to doesn't mean that is wrong, it will still accomplish the same goal(just in a different time frame). In fact, by taking care of my other issues I will be more of a success. Does that little nugget make me stress less? Ummm, no, (I will still be very hopeful my credit line does not go over this winter)probably not but at least I am not thinking of it as a failure.
Where the heck is Mary Ann???? Miss you lady!!
I'm still hanging around. September has definitely been a rough month, though, for sure.
After the late paycheck fiasco last week, I moved our e-fund from ING to a "buffer" as part of our regular checking account, and so far it's working out. We had to use some of it this week, because DH's computer monitor fried and he needs it to work; if it weren't for the e-fund money, we would have had to steal it from some other part of the budget, leaving something else unpaid. So thank goodness for that. I absolutely have to get a different job; I can't deal with the uncertainty of the one I've got. I say this like it's no problem -- though we all know in this economy, good (and well paying) jobs are hard to come by.
We finally spoke with our mortgage companies, and they're working with us. We qualify for some sort of modification and are working through all of the paperwork for that. In the meantime, they're working with us on scheduling some payments so that we can catch up slowly, rather than beat ourselves to death over the course of a month to reach a dollar amount that is impossible for us to reach. It takes at least a little of the edge off.
DH booked a couple of small acting/voiceover jobs last week, so there's at least a little more money we can look forward to in October (it takes about a month to get paid for these), plus usage fees/residuals for the Subway commercial he shot in August. I'm working on putting together an "experimental" baked gifts business for this holiday season, and hope to have a website up soon. Every little bit of extra income will help.
Whew-
Been super busy and on a world win tour.
I've scanned the board several times a day and it does seem that it has been quite.
Norma
"Patience is the best remedy for every trouble"- Plautus
Just being frazzled here.....
Tuesday got a call from the school nurse that Kyle collided with a boy in gym class & he lost a tooth....*EEK*!!!
Becky
CL of 4th, 5th & 6th grade Scoliosis
I have had an emotional week, my teaching asst was diagnosed with breast cancer.
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