On Taking Care of Business

Greetings from cyberspace! Even though life is kicking me around and beating me up, this girl is not going down without taking down something.  And what was that unfortunate thing... Well, that would be the Best Buy and Lowes card. Yep.  I bit the bullet and paid those off. U-rah! Trust me, I so needed to do something to make me feel powerful. I am taking the momentum and running with it.  I would like to be able to get a lump sum and put it on one of the BofA cards. I am looking at my budget and seeing where I can slash. Not a lot of room to wiggle, but I am sure I can find something. Ah the joys of reworking the budget! (Yes I am being sarcastic). Back to the grind, enjoying the small victory.


On Being Quiet

Greetings from cyberspace! Sorry for the lengthy time between posts. I've had a lot of drama going on and none of it good. It is has been a heart breaking month for me. I've had to let go of some people in my life and make some hard decisions. It has not been easy, but for my own sanity, I have to. It has been a struggle for myself and my relationship with Buttercup.  Also, my friendship with certain others has been tested, and they have failed that test. It has been a bitter disappointment. My heart has been thoroughly trashed and my feelings been discounted. Such a banner month for this gal. I almost did not make my financial goal of paying off 10% of the debt this quarter, but I managed. The numbers will be posted on Friday.  There is a lot more to write about, but now is not the time.  Bear with me.  I will get back into the groove of regular posting.


On Just Having Some Down TIme

Greetings from cyberspace! This weekend I am staying the weekend with a good friend in San Diego. She lives on a boat at one of the yacht clubs here, and it is so relaxing. The best part of this weekend getaway is I don't have any real expenses. Just the gas to get down here, which I left from work to go there, which was not any extra gas. Next week looks a little on the spooky side budget wise, but I think that I will be okay. At least I get paid on Friday, and thus a little more of the debt will be gone. I did do the balance transfer to one of the credit card to simplify the debt payments.  In looking at my budget, I am on track to pay of Best Buy and Lowes before I leave to see Buttercup which my flight leaves on July 30th. It is crazy that 10 weeks from today, I will be heading out to see my daughter and witness the birth of my first grandchild. So surreal. In the meanwhile, I have a lot of stuff to set up financially.  Here are the items.

The Cousin
I have a couple of options here.  Generally I get her cash for rent, but then again, I will not be there to give her cash. However, with the beauty of e-transactions, I think my best option is get a joint account with her and have the money automatically transferred to it, and she can pull it out as she needs it. Or I can give her some pre-dated checks. Or the other option is have the money transferred to my credit union account and give her the debit card to get the cash out.  Okay... Let's strike that last one.  As I wrote it, I didn't like it. So I think the best option is to get a joint account with her at my bank, and then I can pay the rent that way and continue to do so until I move out.

The Ex-BF and the Truck/Trailer
Oh... This is going to be a lot of fun. Not. I really am NOT going to enjoy this stress. Not one freaking bit. And he is just not getting it. I am afraid I am going to have to take some very drastic measures regarding this. Just need to figure out some logistics. Not going to be fun.

The Credit Card Payments
I have most of this stuff on autopay, which is great. And that is why I have made the effort of eliminating the amount of credit card debt payments that I will be making,  That is why it is critical to have the Best Buy and Lowes paid off before I leave.  The Best Buy will for sure be paid off.  It is the Lowes card that I am concerned about. But I feel confident that I can do this.  My loan payments are already on autopay, so that is not going to be a worry for me.

Well, that is about it for now for this gal.  Going to go for a nice walk on the beach and just have a very chill weekend.  Hugs to all.


On Being Cautiously Optimistic

Greetings from cyberspace! It's been an interesting couple of weeks. Quiet. But interesting. Not a whole lot to report but I can honestly tell you that I am glad to see a little progress on the debt home. But with this pay period, I have 25 payments (every other week) left on one of the loans.  U-rah!! If all goes well next month, I will be able to pay off the Best Buy and then the Lowes.  I want to have those paid off before I leave to see Buttercup. Also, I am looking at a '0' balance transfer before I leave to pay off the MC and then I will be down to just 3 credit cards. All in all - pretty good progress. Not the greatest, but at least I am chipping it away. The goal is keep the momentum rolling. Try not incur more debt and stay positive. Good times...


On Yes I am Still Alive... I Think

Greetings from cyberspace! Oh... My.... Gravy... Has it actually been a month since I have blogged??? Oh crud... I could use the excuse that life has just been busy.  It has been busy. I could use the excuse that nothing exciting has happened. Not entirely true. The truth is that I have not been motivated to write until I got an email from a friend concerned that she has not heard from me. Now whether it is by email or via this blog I was shocked to see that it has been a month since I posted. Wow.... 30 days. Oh... the trolls are going to have a field day... maybe.. maybe not.

So what has been happening in Rhitter's World... Let's see....

Work - It has been quite the challenge, which I am grateful for.  Keeps my mind busy and occupied. I have had some pretty significant projects assigned to my team. However, we are rising up to the challenge and taking them on with a gusto that even surprises me.

Home Life - still living at the cousin's, but that is going to change. Not sure when. But sooner than later. I have become to realize that I need my own space and be mistress of my domain. Which leads me into the next topic...

Debt - still have it. Had some major work done on the car. Guess what I had to use... Yep.. the credit card. Gotta love plastic... NOT!!! And I redid the closet (installed better and stronger system... trust me.. it had to be done)  and yep... hello Lowe's.  There is a silver lining... I have one more year (26 bi-weekly payments) before my consolidation loan will be paid off, thus giving my 174.30 back each pay period. And I just a little over two years (55 bi-weekly payments) to pay off the 401K loan. I will have the Best Buy Card paid off shortly, and then I will attack the Lowe's with a vengeance. And speaking of vengeance....

Personal Life - Hawk and I had a MAJOR falling out. I didn't text, message or talk to the man for a while. We did not exactly make up, but we are no where near as good friends as we were. And this is on HIM. Whatever dude... your loss.... and as for the Ex... he is just as whiny as usual. Men... really... whatever... which leads us into the next topic...

The Alimony Drama - still paying it. There is a complication and not a pretty one. So, it is time to take the kid gloves off and get this dealt with before I leave for my trip to visit Buttercup - because I will be there for about 6 weeks... and why is that... (hold on to your seats... and trolls... sit your butts down and stay quiet)

Buttercup is Pregnant!! - Yep... I'm going to be a grandmother (wait... I'm way too young).. She is due in mid-August. At first I was not happy about it, but now, I have gotten used to it, and am excited to meet my granddaughter. I'll head out to see her in late July and will stay there until the baby is about a month old to help out. Financially I really can't help much, but I have a very tiny nest egg. It will have to do.

So there you have it. I will be updating the numbers later when I get home. Until later... hugs and kisses... even for the trolls.


On Determining Long Term Goals

Greetings from cyberspace! If you are employed, generally one has work goals and objectives that will assist their managers during review time. And on most personal finance blogs, we see the same thing. For example for myself, I have very specific goals to help me pay down my debt. But I was asked the other day about long term goals. To be honest, in the past, when I have made them, I never had the focus and drive to accomplish them. I was living one day at time. However, yesterday was my ex-husband's 65th birthday.  Officially retirement age (even though he has been medically retired for almost 20 years). I'm going to be 53 this year. I have 12 more years to get my crap settled. And if I continue on this debt path, I won't be able to retire. And then I started thinking about my living condition. I don't want to rent a room for the rest of my life. I want to be to have my own domain. Whether I rent an apartment/studio or buy a little place of my own, I know that it needs to be done sooner than later. As as friend wrote to me in an email, think ahead, and set a moving fund. Well, as soon as I can get the Emergency Savings funded, that will occur. Which this means so tweaking to the budget. (What else is new). Personally for now, I would not mind being in a studio. I've priced them out and on my current budget, it is almost doable, but there was be NO room error. Not sure if I want to put myself in that predicament, but I am sure if had to, I can do it. It is just going to take a lot of courage to say NO to people and myself when I want to go out and spend. So if I were to have ONE long term goal, it would be to get my own place. Now, it is time to make an action plan to make this a reality.


On Finishing Off March

Greetings from cyberspace! Whew! I got thru March... AND the first quarter of 2016 without too much hoopla! Or damage. Or barely any crisis.  So let's talk about March and how I did.  I started the process of eliminating the alimony payments.  I have a phone call with the attorney office next week to go over the details. Progress is being made.  I have also been very conscious of my spending, Writing down what I have been spending. So here is what I accomplished in March:
  1. Balance transfer to clear out credit card with highest interest
  2. Filled out paperwork to eliminate alimony payments
  3. Re-calibrated budget
Here is where the debt stands:
  1. I made great progress on paying down some of the debt, meeting my goal of paying down minimum of 5% of the debt by end of quarter one.
  2. Paid off 3 of the small credit cards. 
Of notice, I stuck to my guns regarding paying extras around the house. If I didn't have the cash, I refused to put it on my credit card. The only thing I have not been able to do is to put additional money into the emergency savings fund. There are still a few things that I am working on, but I am hopeful to start really funding it in May. Another thing I need to work on is blogging. I have not been motivated nor much material to blog about. And I have been in a funk recently (lots of personal issues) and so it has impacted my creative juices.

Well... my fellow cyberfriends... I will see you later!