Tag Archives: Life

Debt UPdate

Adulting.  Why did I not relish in the glory of being a child as much as I should have?  Why didn’t I take more naps?  Draw on more walls with crayons?  Eat more dirt?adult-life

Don’t get me wrong, there are plenty of amazing things about being an adult!  You can go to bed whenever you want and even spoil your appetite before dinner.  Hell, you can have ice cream for supper if that tickles your fancy.

However, all of the luxuries of being an adult are outweighed by the one cruel reality that comes with living on your own:

BILLS.

It is ALWAYS something!  Every time I feel like P and I are getting a handle on our debt and we are starting to make progress in the road to one day being DEBT FREE …

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Cue joyful Whoopi gif

life throws in a speed bump, then a pothole, and finally just for shits and giggles one heck of a financial detour.

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Followed by discouraged Whoopi

Let me preface this rant by just stating a few things.  I’m so incredibly lucky.  Everyone is healthy, I am 33 weeks pregnant with a healthy baby that I can’t wait to meet in mere weeks, and we have a roof over our heads, a bed to sleep in and bellies full of food.  Life for the most part is amazing…

BUT why does there always have to be a BUT?

When we found out I was pregnant we had been trying for years.  We had definitely planned for the extra finances that a baby requires.  We also bought (ok, we actually financed) a new vehicle that was safer and more family friendly for myself and baby.  We crunched the numbers and an extra car payment could squeeze into our budget.

BUT…

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The reality of your computer’s motherboard dying isn’t nearly as stylish as when it happened to Carrie in Sex and the City

Then my husband’s computer crapped out (his motherboard died). It was 8 years old (which is like 150 in computer years) and he works in IT and has to have a top notch computer in order to do his job.  Well, a top notch computer is expensive.  P built it himself with all the bells and whistles.  Let’s just say it’s black with red components (he was going for a Darth Vader theme ) and the red LED lights he placed in his new computer now make our office look like a XXX store.  It was definitely an expense (not to mention office decor) that was unexpected for me.  We ended up having to finance it.  Boo. On the upside we were able to get 12 months no interest, but still its an extra monthly payment that we were not planning on this year.

Then a few weeks later P’s Jeep decided that it was sick and needed to go see the Jeep doc.  That damn Jeep racks up more medical bills then any other Jeep I know.  Then the following week, my old Jetta decided it also wasn’t feeling well and racked up another bill 4 times over what the Jeep bill was!!!!

WTF!

So in a nutshell, our debt is back to where it was last year.  All the progress we made is now back to square one.

BUT…

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I’m discovering that all of the bills, the stress, the responsibility, and the unexpected twists and turns are just a part of being an adult.  Time to put my big girl pants on (and oh, how BIG my pants have gotten) shake it off and start all over again tomorrow with a big girl panty attitude!

 

Til next time,

Ang

2015: My Year In Review

Hello all!

Hope everyone had a happy and healthy 2015!

2015 was the year I really let this blog (and my writing) take the backseat.  Which may be the reason I have been such a grump for most of 2015.  When you stop pursuing your dreams, you start settling for a mundane reality and that’s just not going to be a life I want to live.

So with me being MIA for most of 2015, I want to update my readers (if I have any left) on what the year held in store for P and I.

In February we went to Hawaii which was one of the best decisions we could have made.  We actually got into more credit card debt BUT it was an opportunity that I’m so glad we took when we had it.  It gave me great inspiration for a novel that I hope to write one day and we definitely won’t be able to go to Hawaii again for a looooong time (and you will know why if you keep reading).

Even though we got into a little debt in Hawaii (*cough* a couple thousand *cough*), we made great progress in March when I PAID OFF my student loan!!!!!  Talk about the Best.  Feeling.  Ever.  We still have P’s student loan but it is so nice having that extra $160.00 a month to put toward other debt now.

April was a great month!  My brother and sister-in-law welcomed a son who is the cutest baby ever!  I’m biased, but he really is adorable! We took a trip to their home near Seattle to meet this prince of a nephew and he is absolute perfection.  They are fantastic parents and he is growing like a weed every time I get the privilege to see him.

I also have really missed being onstage and acting in community theater.  I ended up taking the plunge and auditioning for the local semi-professional theater.  I was on cloud nine after the audition.  There is just something about taking risks while pursuing one of your favorite things that is just magical.

The magic just kept on coming in May!  I found out I got a part in one of the plays for the theater I had auditioned for in April!  I was going to finally be returning to the stage after 3 years!!!  As if that news wasn’t great enough, the following week P and I had found out we were pregnant!!!  We had been trying for 8 months since our last pregnancy ended in miscarriage.  Shocked and excited we had a feeling that this was going to be our year.

The summer was a whirlwind, we shared the pregnancy news with some close family and friends before our first appointment July 1.  That is when we got some sad news.  The baby ( I know some people don’t consider it a “baby” until it’s born, but when you are the mom and you take that positive pregnancy test after taking so many negative ones, it instantly becomes your baby) was measuring 3 weeks smaller than it should and there was no heartbeat.  Our hearts just sank.  How could we be having another miscarriage?  The doctor told us to come back in a week to see if the baby has grown or if in fact we had experienced another failed pregnancy.  The wait was awful, but luckily we had great friends who invited us out on their boat on the Fourth to watch fireworks and spend a day on the lake.  There is just something about being on the lake and having the wind whip through your hair that is the best therapy and distraction P and I could have asked for.  At sunset, we watched the fireworks off the lake, P had me in his arms and I just kept thinking that no matter what news we get I have the perfect partner to get me through the ups and downs of this life!

The following Wednesday we went to see our doctor and our worst fears were confirmed.  The baby had not grown and still no heartbeat.  We were gutted but at least we now knew with a 100 percent certainty and could grieve and move on.  And so we did…

The rest of the summer brought lots of laughs and tears and P and I finally made a decision to expand our family.  We decided since the play I was cast in would end its run by March 2016, we would start the foster-to-adopt process to expand our family in April!  Nervous and excited we had a game plan and we could finally relax!!!  We were so focused for so long on getting pregnant that we just needed to refocus on what our actual goal was:  Being loving parents one day and raising some incredible kids.

Over Labor Day weekend we traveled with some friends to Seattle to go to Bumbershoot (a music festival).  It was very “frugoal” as we split the costs of gas and a hotel room.  Such a great weekend filled with some fab music, lots of beer, and many memories!

As summer turned to fall (my fave season) the energy in me seemed to shift.  I felt lighter and was enjoying life for the first time in months!  We celebrated Oktoberfest and squeezed in one last camping trip of the year.  The day after we got back from the camping trip I noticed my monthly visitor wasn’t RSVPing for her normal week she stays with me.  I felt great on the days I normally should have been PMSing…hmmm.  I picked up a pregnancy test on the way home from work and saw a very faint line to indicate a positive.  My reaction and P’s reaction was…mixed.  It wasn’t until I took a digital test the next day that glaringly stated “Positive” where P and I were like “are we really ready to go through this again”.  We set up a doctor’s appointment in mid-November to determine if this baby was a stage 5 clinger.

The next several weeks went by surprisingly fast.  It could have been because I was just dreading the appointment.  Our experiences had always been nothing but massive disappointments but I was trying not to let our past miscarriages dictate what this experience “could” be.

November 11 happened.  The day of our appointment.  I was a nervous wreck all day, but was suddenly calm as I was driving into the parking lot.  P was coming from work and met me there.  Luckily, I didn’t have to wait too long and was rushed into an ultrasound room right away (my doctor wanted to get right down to business).  In a matter of seconds, he performed the ultrasound and for the first time in our three pregnancies we heard the HEARTBEAT!!!!  Best sound ever!  It looks like third time is truly the charm for us! Hell, P and I were engaged three times before we finally walked down the aisle and now it looks like third pregnancy we will finally have our healthy baby (fingers and toes crossed).

Looking like this pregnancy is going to stick, we decided to buy me a newer and safer car…a Jeep.  I know, I know, I’m going to the dark side.  I have bitched countless times on this blog about what a money pit P’s jeep is, but this one gets better gas mileage and is great in the snow (and we have gotten SNOW this winter).  So now we have two car payments vs. one but P is driving the Jetta as his daily commuter car now (which gets great gas mileage) so we are saving some money on gas.

The holidays were fast and furious!!!  They were lovely and P took full advantage of me being the DD (which he should since he always had to drive my drunk ass home).

2016 looks to be a promising year.  I’m going to strive to write more and support and patronize the local theaters since I will be taking a break from the stage (I had to drop out of the play that I was cast in due to the fact that I would be portraying a woman who couldn’t get pregnant and would obviously be sporting a baby bump…now isn’t that ironic?).  I also have to start getting ready for this baby.  I’m 19 weeks today and we get to see our baby again on Wednesday!  There are still days I feel a sharp pain or dull cramps and I get worried, but just have to have faith that we will get the honor to meet our healthy baby in June.

For anyone that is curious, the fur babies are great.  Juju had a mass that he had surgery for (which turned out to be cancer) but the vet said they caught it in time and it only has a 9% chance of returning.  Scully is our four legged toddler who wants lots of snuggles one minute and then is out to destroy everything in the house the next.  Orville is still…an asshole, but he is our asshole and he’s a cat.  He can do what he wants.

We already have at least three weddings to attend for friends and family in 2016, my cousin Megan is expecting a baby in March, and we expect that there will be a few engagements in the family too (*cough* Mike *cough*Tim*cough)!

2016 will be a lot of transition and any vacationing is going to be minimal (which is why I’m so happy we jumped at the opportunity to go to Hawaii).

Wishing everyone a year of love, laughter, and committing to something you are passionate about!  Thanks for reading my year in review!

Ang

 

 

 

 

Capturing Summer

Hey all!

I am still alive!  No need to call the authorities.  Some of you have been worried that I have given up on this blog, but no.  This blog is still here.  My posts have been sporadic this summer but I am going to really, really, REALLY try to get myself into a writing groove this fall.  I want this blog to not only document my personal struggle to get out of debt, but also be a resource to help others.  That will include branding, a new blog design, and a LOT of hard work.

I felt the need to post today to share one of my passions that I have rediscovered this summer:  Photography!

Here are some of the images I have captured this summer.  Enjoy!

Sunday Quotes: Motivation

Motivation.  We all need it AND we all lack it at times.  I am in a very “lack”luster phase of my writing right now.  A million ideas crop up in this brain of mine for future blogs and potential novels but yet I don’t type a single word.  I am inspired every day, but not motivated.  Why is that?!?!  Hopeful that these words of wisdom will motivate me to just shut up and write!

Wishing you all a beautiful Sunday night and a motivational week ahead!

Ang

Hello Old Friend

This morning was simple.  I hit the gym, grocery shopped for the week, visited my parents, caught up on laundry and bad TV, then paid most of my bills for the upcoming month.  I was rocking this Sunday like a champ.  Then it occurred to me that I have a blog that people actually do read (a truly beautiful thing) which I have been neglecting.

Bad Ang!

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My pride of my accomplishments for the day were suddenly replaced by guilt.  So now I am drinking wine, since alcohol postpones guilt until at least the morning.

So why have I been so absent?

The answer is simple:  laziness, excuses and anxiety over anything related with money and since the primary focus of this blog is chronicling my struggle with getting out of debt, I was avoiding this blog like the plague.  my-reaction-when-I-get-into-an-argument-with-women-homer-simpson-hide-in-bush-disappears

But I am back.

This year has already presented itself with triumphs and challenges when it comes to my finances.

The triumphs have been eating at home more, getting healthier, and I am FINALLY out of student loan debt!

The challenges are having any semblance of a social life, my husband, and a little bit of keeping up with the Joneses.  Oh, and we went to Maui in February, which we are still paying for (but boy was it fun).

I wish there was a day that goes by where I didn’t have my mind on my money and my money on mind (that is actually pretty catchy, I should write a rap song that incorporates that…).  But since the entry fee for entering the magical land of “ADULTHOOD” is a steep one, I can’t imagine that happening until dementia kicks in.

I just want to say thank you to all of you who read my blog on a regular basis.  I appreciate you and I am back!  I promise!

Ang

Sunday Quotes: Positive Vibes

Happy Sunday to you all!

My birthday is next month and it is always a time for me to reflect about where my life is vs. where I want my life to be.  One change I want to make is thinking more positive.  To stop worrying about what is or what isn’t and have faith that everything will work out the way that it is meant to be.  Positive thoughts attract positive results.

Being negative isn’t getting me anywhere.

Have a great rest of your Sunday (and Game of Thrones starts tonight…eeks)!

Ang

STUDENT LOAN DEBTLESS!!!!!

March 31, 2015.  A date that will forever be remembered by me as the day that I am student loan debt FREE!

Commence the dancing!

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After close to a decade of paying off those loans, it is time to CELEBRATE!!!!

Sorry, just had to brag for a moment!

Ang

5 Simple Ways To Start Getting Out Of Debt Now

After years of drowning in credit card debt and student loan debt, this gal started a blog 2 years ago in the hopes of chronically her journey to becoming debt free.

2 years later…

Well, shit!!!   I am still in debt but at least my head is finally above water enough to breathe again.  Ahhhhh.

Even though there is still a loooooong way to go for me to becoming debt free, my debt is dwindling little by little each month.  If you can relate to being in debt (which according to an article published by nerdwallet.com most of you can) I would like to share some simple things that YOU can do NOW (God, don’t you just love the power of capping specific words) in order to get out of debt sooner rather than later.

1.  Get Honest.

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Though I am sure there is a more eloquent way of expressing this step, to put it simply this step sucks donkey balls.

Get honest with yourself.  Get honest with your partner if you share (or are planning to share) finances.  Find out how much you owe, to whom you owe it, and how much interest you are getting slapped with each month.

Yes, this means opening up that stack of mail you have been avoiding.

Yes, this means getting on the phone and trying to lower your interest rates.

Yes, this means being proactive about your money…or lack thereof.

2.  Put Those Credit Cards On Ice.

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Saw this trick in one of my fave guilty pleasure movies Confessions of a Shopaholic.  Any credit card you have in the house, freeze it.

Now.

If by chance you don’t heed my advice, think of it like this:  Credit cards are like the Kardashians.   Evil, vile things made of plastic that do more harm than good for the American public.

3.  Cut Off Your Cable.

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This step sucks too, but only initially.

Do I miss my DVR?  On Demand?  Bravo?  Yes, yes, and sweet Jesus, YES!

By shutting off the cable, am I saving money?  Am I still breathing?  Did life continue to go on?  Yes, yes, and YES!

My husband and I shut off our cable last spring and we ended up saving an additional $70.00 a month.  That is an additional $840 a year we can put towards our debt.

With options like Netflix, hulu and youtube do any of us really need cable?

4.  Staying In To Eat.

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It is amazing to me how much it costs to go out to eat.  I didn’t realize it was an issue for our household until my husband and I had an epiphany a few summers ago.  We could not figure out where our money was going each month.  When I went back a few months to review our bank records (step 1, getting honest) I was shocked to learn that we had been spending an average of $1,000 a month on eating at restaurants and going to bars with friends!  Shocking and also embarrassing.  Now we try to prepare breakfast, lunch and dinner ourselves 85% of the time.  That extra money we save goes to extra payments on our debt.  You live and you learn.

5.  Start Now.

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When it comes to getting out of debt, it is a marathon, not a sprint.  Unless of course you win the lottery, then getting debt free is a sprint.  A beautiful sprint that ends up with beachfront property in Maui, and with a pool that comes with a pool boy named Fernando with washboard abs and an ass you can bounce a quarter off of…errr…sorry, got off topic.

Where were we?  Oh yes, start getting debt free by making small changes in your everyday life.

If you go to Starbucks twice a week, change it to once a week.  Then cut it down to just a monthly visit.

If you make it a habit to routinely go out to dinner with friends/family and order an appetizer, an entree and a couple of cocktails, cut it down.  Opt for just an appetizer or entree and a water (alcohol is waaaaay more expensive at bars/restaurants, and people won’t judge you as much when you down a few drinks in the privacy of your own home).  Not only are you cutting down on the price BUT you are cutting down on calories too.  Win-win.

Instead of going to an expensive salon, try out a beauty school instead.  This past fall, I got a great haircut for $10!

Prioritize what your “wants” are vs. your “needs”.

You will be feeling like a baller as your debt gets smaller.

Thanks for reading!  Now go get honest with your bad self!

Ang

Also, don’t hesitate to like my facebook page and follow me on instagram!

Clean Eating Weeks 2 and 3

So weeks 2 and 3 of P and I’s 6 week clean eating challenge have come and gone.  We are both alive AND I am here to tell you it is not the end of the world if you cut alcohol, sweets and other junk out of your diet.  Boy, it sure seems like the end of the world though. Ugh.

As far as the scale goes, I have lost 6 pounds and P has lost…

18 pounds!!!

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God I hate men!  Why is it so easy for them to lose weight?  Why?!?!

Let me just table my anger about the fact that life isn’t fair and focus on the positive changes I have noticed over the first few weeks.

  • Energy rising.  Like a phoenix from the ashes, I feel like a new lady when it comes to life.  Cooking more, cleaning more, and being nice to my husband…weird.  I feel like a 1950s housewife.  Just one that drops more F bombs.
  • Maybe she’s born with it.  tumblr_mf28lgwIkP1rlyreko1_500My skin feels better and looks better (thanks for noticing Channing). For the first time in I don’t know how long, I didn’t break out into my normal acne ridden face when Aunt Flo came to visit…weird.
  • Tapping into my genius.  If you read this blog even on a semi-regular basis, you know that I am a gal who LOVES mindless TV (i.e., Real Housewives of Insert Any City Here).  Over the last few weeks though, I have recently started watching documentaries and…wait for it…science shows…weird AND WTF!!watch-out-we-got-a-badass-over-here-meme

Yes, P misses his beer and I miss wine and chocolate and pizza and wine (had to list it twice since I miss it so much), but we feel good.  Is this what being sober feels like?

Here is hoping the next 3 weeks run as smooth as my baby soft skin!

Thanks for reading, and have a cocktail for me tonight!

Ang

Ringing in the new year with new debt

We are only into the new year by two weeks and this house is already into another several thousand dollars worth of debt.

Here is how it happened.

P wanted a plasma TV.  According to P, plasmas were endangered and quickly heading into extinction which meant we had to get one “NOW!  NOW!  NOW!”

I looked deeply into his eyes and told him that we didn’t have the money set aside for a plasma TV, and we already have two TVs so we don’t need a third.  I offered him sex if he agreed with me.

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He did.

Then the next morning…

P and I carpooled to work and he brought up the plasma AGAIN.  I thought we put this thing to bed (if you know what I mean, *wink* *wink*).  P and I went back and forth.  Since he has way more energy than me when it comes to fighting, I just said “whatever you want to do”.

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What my baby wants my baby gets because my baby now has a new plasma TV in our living room.

With the new TV came a new problem.  Our TV stand we currently had couldn’t hold the weight of our new TV.  So now our new plasma TV is now placed atop a new entertainment center.

Then for shits and giggles we decided to look for sectionals.  After all, we couldn’t enjoy the new TV on the new entertainment center with our current “old” couches.  So now our living room is filled with a brand new sectional to enjoy the new plasma TV placed ever so beautifully on our new entertainment center.tumblr_mbg0bv8sn31qjj0j1o1_500

I guess when all else fails it is at least material for my blog!

Ang