indebted2debt

I made my bed, and now I must lie in it!

Archive for the month “November, 2013”

Sold!

After a long and very painful homeowners experience, we have FINALLY sold this duplex! We go to the notary on Dec 13, and I could not be happier! The things I have learned being a homeowner are:

1. I don’t think I ever want to own a home again. What it did to my credit score was shocking, albeit I do have other debts, this one made me even more of a risk in any lenders eyes. Also, if you don’t have a lot of savings owning a home is a bad idea. Anything can happen, and it’s much better already being prepared than charging it! I don’t want to be prepared for disasters, I want my landlord to take care of all that shit…lol!

2. Going into anything that involves a lot of money with family poses huge risks! I thought nothing could come between me and my family. WRONG! True colors come out. Sadly, I learned what my family really thought about me (and my mom) and now they haven’t spoken to us in over 3 years. This is going to be a really fun notary meeting! 😉 The plus side, they must have been this evil the whole time, and I don’t need that kinda “family”. I’d much rather have the kind that can be real, and HONEST!

3. Some agents are real bitches/assholes. I really don’t like mine, but hey, she sold my place so at the end of the day I really couldn’t care less anymore…lol!

 

In other news, I started reading Dave Ramsey’s “The Total Money Makeover”, and I’m almost halfway though. The thing I like about the beginning of the book is that it’s like a little therapy session debunking every myth and thought you may have had about debt. My big one? Keeping up with the Joneses. Always seeing what others have and what they can do. I need to stop caring, and really start living like no one else, so that later I can live like no one else. 😉 It’s so true. Why do we even care? Why am I sabotaging my own progress? It made me start to realize that I really need to cut some serious shit out of my life and as much as that scares me, it excites me at the same time because it makes me realize that at that point I’ll be one step closer to paying off my debt.

I’m off to read more of his wisdom, and will check in soon! 🙂

I’m alive!

The reason I haven’t written in over a month is quite simple. My debt repayment plan just sucks…lol! I mean, there is no plan because there’s currently not enough money to pay off more than the minimum. We’ve been struggling to just pay things on time!

I’ve continued my search for new employment, or additional employment but it’s looking like new employment might be the best option. I can’t very well work 7 days a week, that’s just not an option.

You know when life just throws you all sorts of fucked up shit at once? Well it’s my month to benefit from that.

I’m struggling to find way to pay off more than the minimum each month. I need to find extra money somewhere. I’m thinking of cutting down our cable/internet/phone bill. I also just posted a whole bunch of stuff to sell on craigslist. Aside from prostituting myself I’m fresh out of ideas…lol!

I decided that going the consumer proposal or bankruptcy route is not a good option. I’m not sure that there is a good option out there at all!

Reading other blogs where people have been successful is so encouraging but I feel like I will never get there.

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