I have lived a fantastic life so far. Well, except for the last 4 years, I am very tired. I lost my business after running it for 16 years. I have since had 3 failed relationships and no success professionally.
I am having what most would call an extended pity party.
I always thought I'd die before I hit 30. I am now 47 and I feel ready to go. I will not take my own life but, I am ready to go.
Most all of my "problems" could be solved by money. I HATE that!
Seacrest OUT!
Wednesday, February 11, 2015
Monday, April 21, 2014
My journey to have ZERO debt and. what ever else pops into my head.
Hello,
I don't expect anyone else will ever read this but, I'm writing it down anyway.
I am in debt to the tune of just under $13000.00.
It is not a lot comparable to what I hear most of the population has but, it's still daunting when you make less than $30,000 a year. Especially when I use to make on average over $70,000 a year. Thanks economy!
I'm not loving life much right now. I barley make enough after taxes to pay my bills. I am finding it hard to save at all.
My monthly bills are as follows:
Rent - $415.00
Insurance Car - $89.20
Insurance Home - $24.08
Cell Phone - $89.08
Car Payment - $290.00 (owe $8570.58)
Mastercard - $25.00 (owe $337.59)
Visa - $25.00 (owe $252.94)
IRS Payment Plan - $100.00 (owe $2933.22)
Electric - $75.00
I bring home after taxes about 1500.00 a month. After food and gas, I am left with not much at all. (If Any)
If I get some overtime, there is a small cushion. Any extra I put toward my credit cards or my car loan.
I am hopeful that I can get a promotion at work this year. That would put me at about $40,000 a year.
As you can see, I don't have cable or anything that is not necessary. I thought about getting rid of my cell phone but, thats my only phone. I do get a discount from AT&T because of the company I work for and, am under contract until October 2015
My credit score right now is 697 which is embarrassing but I am working on getting it back to the 790 it was before. I hope to get a motorcycle again when this is all over. That is my gift to myself if I can ever get out of debt.
I don't expect anyone else will ever read this but, I'm writing it down anyway.
I am in debt to the tune of just under $13000.00.
It is not a lot comparable to what I hear most of the population has but, it's still daunting when you make less than $30,000 a year. Especially when I use to make on average over $70,000 a year. Thanks economy!
I'm not loving life much right now. I barley make enough after taxes to pay my bills. I am finding it hard to save at all.
My monthly bills are as follows:
Rent - $415.00
Insurance Car - $89.20
Insurance Home - $24.08
Cell Phone - $89.08
Car Payment - $290.00 (owe $8570.58)
Mastercard - $25.00 (owe $337.59)
Visa - $25.00 (owe $252.94)
IRS Payment Plan - $100.00 (owe $2933.22)
Electric - $75.00
I bring home after taxes about 1500.00 a month. After food and gas, I am left with not much at all. (If Any)
If I get some overtime, there is a small cushion. Any extra I put toward my credit cards or my car loan.
I am hopeful that I can get a promotion at work this year. That would put me at about $40,000 a year.
As you can see, I don't have cable or anything that is not necessary. I thought about getting rid of my cell phone but, thats my only phone. I do get a discount from AT&T because of the company I work for and, am under contract until October 2015
My credit score right now is 697 which is embarrassing but I am working on getting it back to the 790 it was before. I hope to get a motorcycle again when this is all over. That is my gift to myself if I can ever get out of debt.
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