Tuesday, July 21, 2009

Truth about Money...where it goes, and why it's a waste..

So I wanted to post a blog about money, because I wanted to let everyone know first hand...how bad credit cards will drain you.

I remember the first time I got a credit card..I lived in Lake Havasu and I had just turned 18 and my parents hid the card from me because they didn't want me to have a credit card, but then they ended up giving it to me. It was my first card, Capital One, with a $300 credit limit.
Well that was 6 years ago...and now I personally in my name have 10 credit cards. (this does not include the cards Matt has under his name)

Yes at times credit cards can be the best thing ever, until you realize you are $xx,xxx in debt and your interest rate is 29.9% and you are paying for things that you bought 6 years ago! Since I got that Capital One card, it's been paid off ONE time.
I encourage anyone with ANY amount of credit card debt to 1. stop using it, 2. call your credit card company and work out a payment plan to lower your interest rate if it is high 3. cut up the card 4. NEVER apply for another card again.
Yes, I do believe you should keep 1 or 2 cards for emergencies...like your car breaks down and it will be $3,000 to fix or you have a medial emergency.
I have learned a lot since I was put on disability pay and had to manage to pay our house, cars, insurance, groceries, household bills, and then the dreaded CREDIT CARD PAYMENTS. I was never stressed more in my life. Paying bills made me cry, I didn't know what to do. I would receive at least 1 call a day for collections on our credit cards!
We used to pay around $1,000 in credit card bills, it makes me SICK. I don't exactly know what we pay now since I called all the companies and had them lower the rate, but I know it is at least $200 less. I have called every company and worked out a plan to pay off the credit card with a lower interest rate. I had cards that had a 29.9% interest rate dropped to a 6% interest rate. I will have all our credit cards paid off in 5 years. Yeah 5 years is 5 years, kind of a long time.. but in 5 years I know that I will be debt free from credit cards, and in 5 years (if we don't buy a new car by then) will have no car payment...This is something to really look forward to.

The reason why I write this is because I know it is hard, we struggle everyday with money, we ALL do. You have to think before you buy, do you NEED it, or do you WANT it? Are you paying cash or are you using your credit card so that $100 piece of furniture will turn into a $250 piece of furniture...
Don't waste your hard earned money on interest...

If you have any questions about how I did this ask me, I want to help! You can't give in to them saying NO. You will always find that person that says YES, I will help you. I had to call a few companies 3-4 times until someone would finally help!

Thursday, July 9, 2009

Titles.

I am first a wife & mother.
I am then a daughter & sister.
I am then a grand daughter, niece & cousin.
And then I am a friend.

I love my husband. He does more than I could ask for. He is here for me whenever I need him.
I love my son. He makes me laugh and cry. He is an amazing little man.
I love my parents. My mom is an inspiration to me, and my dad made me who I am today.
I love my brother. We fought as kids, but have become great friends the older we get.
I love my grandma Lo, grandma Nancy, great grandma Scharer, and grandpa Rick.
I love my aunts & uncles & cousins, even though I never see them.
And last...
I love my friends. No matter how often or how much we hang out, I love each and every one of you. You are in my life because you mean something to me. Some of you I see every week and others I see once a year.
Not only is my family my friends.. but my friends are my family.

Tuesday, July 7, 2009

Sunday, July 5, 2009

It's been awhile...


I was told I haven't written on here in awhile, so I decided that I should write an update.


August, oh my dear little August, I love him. There is nothing like being a mother. He makes me get up in the morning, literally, he makes me laugh, cry, be full of joy. I love watching him while he's sleeping, and watching him watch Gibby! He is such a smart little guy, I'm pretty sure he'll grow up to be President (JK, I wouldn't want that!).


He has grown so much, really filled out. He's losing hair, but it is still long and there's still so much of it! He has huge blue eyes, and long eye lashes. He is going to be tall and lean I think, just like his daddy. I'm pretty sure his hair is going to be curly and blonde also like his daddy (and the curl from me too! and his Grandpa Steve had blonde curly hair!).


His Grandma Gwen got him to laugh out loud, it was so funny. I made him do it tonight while calling him GOOSE! So instead of me calling him BUBBA or DINO I'm pretty sure his new name is GOOSE, which is close to GUS!


He is still wearing size 2 diapers, but wears 6 month clothing..some 3 month stuff fits him, but tight! He loves to lay on his changing table and kick and talk and scream! He is such alittle character.


He's trying to sit up, but isn't there just yet. However he is rolling onto his side and I know soon he will be rolling onto his stomach, but he will hate that, cause he hates being on his stomach! He usually sleeps through the night til about 5-6 o'clock..then he will wake up and eat for like 15 minutes and then go back to bed and sleep sometimes till 9-10! But he usually wakes up at about 830.


He goes for his 4 month check up in 2 weeks, I can't wait! I want to know how long he is and how much he's gained from the last appointment. I'm pretty sure he's about 14 pounds...


On another note, I started working from home. It is really hard to take care of a baby and work 8 hours a day! I find myself doing about 2-3 hours at night after he goes to bed, and then a few hours on the weekend just so I can make sure I get 4o.

My mom got a job with the company I work for, so I talk to her all the time. It is really cool, we talked all the time any way, but we talk about work and then personal life!

Matt and I will be celebrating our 3 year wedding anniversary in a month (August 19), so crazy to think about!


That's about it.
Peace.