A Factory Working, College Grad Getting Out of Debt

Latest

Losing the Spark

Have you ever had the moment in your life where you become lost?  Perhaps not physically lost.. I know exactly where I am, and I have always been a good navigator thanks to my inherent abilities of figuring out my internal compass directions, but I mean more the emotionally, mentally, soul-bound lost.  The kind of lost where it feels like nothing really permeates that armor (or perhaps not so thick-skin) of yours.  Even the classics aren’t getting a rise out of you.  For me, that means comic books, action movies, and even spending time with people I love and hold dear to my soul isn’t quite cutting it.  Oh, I do just fine in the sporadic moments of happiness, but then I go right back to my monotonous self.

I blame it on no one but myself of course.  Perhaps if I had not spontaneously quit my previous job and instead had calculated and waited… Perhaps I’d still be in a good mood.  Or perhaps I’m kidding myself to even that timeline.  Let’s be honest, I wasn’t happy there.  I hated it there. I could feel my soul being sucked from me like a true Dementor’s Kiss.  Except I had no expecto patronum up my sleeve and no matter the amount of chocolate, I just couldn’t get happy.  So I faked it.

I began this blog to help track my progress on eliminating my debt.  I think I need to rethink what all I want this to be.  In fact, I believe I need to rethink my whole outlook.

I’ve been stuck in a rut for nearly a year and getting that new job hasn’t quite got me out of the funk like I thought it would.  Oh sure, I enjoy it just fine. I love being able to say that I had a part in building that car that’s driving down the street, and the people I work with?  Ha, they are just a hoot and I wouldn’t trade them for anything.

But my personal life?  What personal life?  I watch television sometimes, but even now that’s off and I’m just spending my time procrastinating online surfing facebook and twitter… reading silly articles, or even more depressing ones that make the future look even more bleak.

I need to get back to my old self.  I need to rekindle that fire I had in my belly.  Perhaps I need to think about taking a course or two at my college again.  I enjoyed being the academic.  I need to turn on my music and just listen, and really listen.  I need to dance to that music.  I need to set fire to my creative process and start writing again.  Not just here, but with my friends again.  I need to read more, love more, explore more.  I need that adventure, that thrill to come back.

I need to cultivate myself; find myself again… before I lose everything and it’s too late.

If that means forcing myself to do things, well I guess I’m just going to have to tell myself, “Suck it up, Buttercup,” and get on with it.

 

Count those Raindrops

-DecMeadow

Happy New Year!

May you and yours have a great year!  Hope 2013 was wonderful too, but if it wasn’t, seize this one by the horns and rock it!

-DecMeadow

December 2013 Bill Breakdown

This month is a month of excitement!  It’s a month of glittering lights and excitement.  I’m ecstatic!  My younger brother and sister-in-law are coming home for the holidays, and my other younger brother will be home from college as soon as finals are over.  YAY!  It’s going to be a time of great fun and enjoyment.

Car loan: $742.70 LAST PAYMENT! AHHHH!

Credit Cards: Look who’s left!

  • Solidarity Visa: $1574.89  Minimum payment: $66.00. This month’s payment will be $74.89. 
  • Chase: $1866.69  Minimum payment: $42.00.  This month’s payment will be $292.69. 
  • Pay Pal Bill Me Later: $2,290.03  Minimum payment: $62.00. This month’s payment will be $190.03. (12/06).
  • Amazon Store Card: $483.23  Minimum payment: $35.00. This is the card I’m currently eliminating. This month’s payment will be $183.23.  (12/18).

Total Credit Debt: $7,257.69   Total Payments: $729.69. This is compared to last month’s credit debt of $7,257.69 and total payments of: $729.69, which means my debt went down $220.96.  Mer.. this isn’t a huge dent, but I will admit that I am targeting a couple of other things first (namely the student loans).

Student Loans:

Direct Loan Great Lakes:  $18,837.69  Currently deferred until January. However, I am making a payment this month. 237.69. 

Even though this loan is deferred, I am still gaining interest on the loans.  This payment this month is basically all of the interest that has been gained since I first deferred this student loan when I was unemployed.  As I was still unemployed when I deferred last July, I have a little time to hit the ground running on this debt.

Other anticipated bills this month:

Car Insurance Payment:

Cellphone service: $50.

Complete Total Debt: $27,037.25.  Total Payments: $1467.55. This is compared to last month’s $27,037.25. debt total and $1467.55 in payments.  That unfortunately means that I increased my debt by $284.47.  Crap!  Do remember that I paid 14 months rent in one payment with the purchase of an island.

Please let it rain!

-DecMeadow

November 2013 Bill Breakdown

Uhh.. why was this still stuck in draft mode???  OOPS!

We’ve had a few things change the numbers this past month, and I apologize for not keeping you up to date on that as it occurred!  Lots of overtime was offered this past month so I’ve been away from the blog sphere! We’ll change that this month, as I’m determined to get a post out everyday if possible!  As you all know, I paid my rent up to December 2014! Of course, I’ve paid $1100 of that bill so far, but the rest is still on my Chase card.  So that will be a big expense again this month.  But that’s okay!  I’m still doing well, and by paying chunks at a time, it will be gone in no time!

Car loan: $742.70 Now that I’m working at Chrysler, I am eliminating this loan quickly.  So this month is going to be a little different with the amount of $501.00.

Credit Cards: Look who’s left!

  • Solidarity Visa: $2280.00  Minimum payment: $30.00. This month’s payment will be $30.00. 
  • Chase: $2317.96  Minimum payment: $44.00.  This month’s payment will be $544.96. 
  • Pay Pal Bill Me Later: $2,051.02  Minimum payment: $56.00. This month’s payment will be $66.02. 
  • Amazon Store Card: $608.71  Minimum payment: $35.00. This is the card I’m currently eliminating. This month’s payment will be $88.71.  

Total Credit Debt: $7,257.69   Total Payments: $729.69. This is compared to last month’s credit debt of $6,463.28 and total payments of: $281.28, which means my debt went down $220.96.  Mer.. this isn’t a huge dent, but I will admit that I am targeting a couple of other things first (namely the student loans).

Student Loans:

Direct Loan Great Lakes:  $19,036.86  Currently deferred until January. However, I am making a payment this month. 236.86. 

Even though this loan is deferred, I am still gaining interest on the loans.  This payment this month is basically all of the interest that has been gained since I first deferred this student loan when I was unemployed.  As I was still unemployed when I deferred last July, I have a little time to hit the ground running on this debt.

Other anticipated bills this month:

Cellphone service: $50.

Complete Total Debt: $27,037.25.  Total Payments: $1467.55. This is compared to last month’s $26,750.78. debt total and $1056.51 in payments.  That unfortunately means that I increased my debt by $284.47.  Crap!  Do remember that I paid 14 months rent in one payment with the purchase of an island.

Please let it rain!

-DecMeadow

Reality Check – Paying Rent

So I’m paying rent now.  Yup.. this girl has the life-sustaining job and can now help more financially around the house.  I’m absolutely fine with that as I’ve wanted and tried to help around the house for years now.  For example, the first time I got a real job, I made sure that I was able to take on the auto insurance even though my mother said I didn’t have to do so.  I know that it was only $700 for the year, but we’d just had to take a 43% pay cut in the household because the owners had sold their business to a new one and hard decisions had to be made.  So that measly $700 was a big deal.  And I’ve made sure that I was always able to pay it, even when I was unemployed.

I sat down with my momma and we had a good talk about what was going to happen.  After about five minutes, we’d already had our agreement ironed out and both were happy with the results.

Here’s the deal:

  • Rent = $150/month.
  • This can be paid through home improvement projects.
  • Pay my part of the cellphone bill = $50/month.
  • Pay the remaining balance on my cellphone (long story, and I’ll share it with you soon).

Sounds like a pretty good deal right?  Well let me tell you, I am paid up in rent until December 2014.  That’s right.  I bought my mom a custom made island that we’re hopefully going to hear has been shipped to the store soon.  I can’t wait to see it in the house!  The island has been something she’s been wanting since we moved to this house nearly a decade ago.

I’ve got a few more tricks up my sleeve that will surprise my momma though.  A few changes have happened recently that reduced the amount of money coming into the house so I’m going to see what I can do in sneaky ways to make it less of a hassle.

Count those Raindrops!

-DecMeadow

October 19th

Well, we made it to October 19th when it comes to turning on the heat.  In the last two weeks, Mother Natures has decided that she would like it cold.  And when I mean cold, I mean Lows under 45 degrees.  We’re anticipating a wintry mix over the next couple of days and it’s completely understandable.

Have you turned on your heat? What date do you try to strive towards to save money?

Count those raindrops!

-DecMeadow

Happy Halloween!

Tonight is the night that is filled with movies like Hocus Pocus, the Corpse Bride, and culminates with Nightmare Before Christmas.

And when the clock strikes midnight, IT IS NO LONGER TABOO TO PLAY CHRISTMAS SONGS!

Muwhahahaha…

Follow

Get every new post delivered to your Inbox.

Join 385 other followers

%d bloggers like this: