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Newest Member: asherssoul (45716)

User Topic: more financial baby steps
inconnu
♀ 24518
Member # 24518
Default  Posted: 1:22 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

I need to get some stuff done to my house in the not-so-distant future, and I need to figure a better way to pay off the credit card debt I've accumulated from, and since, the divorce.

So this morning I opened up accounts (checking and savings) at a local credit union where eventually I hope to get a home equity line of credit. I still have some ducks to get in a row before applying for that, though. But this is the start.

Maybe 2014 will be the year I finally get my shit together, financially speaking.



Say what you wanna say and let the words fall out...honestly
I wanna see you be brave

Pretty pretty please, don't you ever ever feel
Like you're less than, less than perfect


Posts: 12170 | Registered: Jun 2009 | From: DeepInTheHeartOf, TX
devistatedmom
♀ 24961
Member # 24961
Default  Posted: 1:41 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

Good for you inconnu. I'm on the same timeline with you trying to get my financial mess in order this year.

In my case, I'm trying to lower some bills, and up my income. I have a line of credit, and my cc's, I just need to get everything to balance since my job is only 10 months, and employment insurance is playing games and denying me on my off months if I work a second job for any part of the year. It's a challenge, but I'm up for it and I have a plan. It's just getting from here to the end without losing the house or watching it fall apart while I get there!


BS(me) 46, Two wonderful teens.
He is no longer my best friend. Repeat until it sticks.

WH says marriage is over: May 15, 2009.
EA#2 July 20, 2009. Legally sep: Aug 16, 2009. DIVORCED!!!! Signed Nov 23, final Dec 24, 2010, adultery listed.


Posts: 5577 | Registered: Jul 2009 | From: Canada
persevere
♀ 31468
Member # 31468
Default  Posted: 2:21 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

My goal is to pay off all of my unsecured debt this year - and I'm going to do it!

Best of luck to you with your goals!!


Me: BW-44
Him: XWH-44
Together 9 yrs
DDays: 1/10/2011
Status: Divorced 4/27/11

Above all, be the heroine, not the victim. - Nora Ephron

It is our choices...that show what we truly are, far more than our abilities.
- J. K. Rowling


Posts: 4668 | Registered: Mar 2011 | From: Texas
inconnu
♀ 24518
Member # 24518
Default  Posted: 2:23 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

It's just getting from here to the end without losing the house or watching it fall apart while I get there.

Yeah, it's been a juggling act for me too, and unfortunately I'm more apt to remind myself of the balls I dropped, rather than everything I've accomplished in the past 4-5 years.

And right now I've got this stupid ass squirrel chewing on my house because the eaves/soffits are rotting and need to be replaced, and S.A.S. has decided he wants to live inside my house.


Say what you wanna say and let the words fall out...honestly
I wanna see you be brave

Pretty pretty please, don't you ever ever feel
Like you're less than, less than perfect


Posts: 12170 | Registered: Jun 2009 | From: DeepInTheHeartOf, TX
devistatedmom
♀ 24961
Member # 24961
Default  Posted: 2:52 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

ROFL. We really are living the same life. I had a squirrel between my 1st floor ceiling and 2nd floor floor, running back and forth last summer. Drove my dog NUTS! I'm sorry when we evicted him he moved on to you!


BS(me) 46, Two wonderful teens.
He is no longer my best friend. Repeat until it sticks.

WH says marriage is over: May 15, 2009.
EA#2 July 20, 2009. Legally sep: Aug 16, 2009. DIVORCED!!!! Signed Nov 23, final Dec 24, 2010, adultery listed.


Posts: 5577 | Registered: Jul 2009 | From: Canada
fraeuken
♀ 30742
Member # 30742
Default  Posted: 3:07 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

inconnu, good for you. I am a bit ahead of the game but these last two years I did the same as you are doing now and the feeling of waking up with no unsecured debt is just sheer bliss.

I lived with high credit card debt and balance transfers and private loans during my marriage for 17 years. The divorce left me with some assets but also 50K+ in debt. I paid it off in 2 years, using some settlement money and income to just get rid of this black cloud over my head. Now I just have my regular credit card balances I can pay off every month. I am now investing some money into much needed renovations and building up my emergency fund.

You can do it. It takes discipline but it is so worth it!! Good luck to you.



Temporarily independent with the whole world at my feet.

Posts: 1260 | Registered: Jan 2011 | From: California
inconnu
♀ 24518
Member # 24518
Default  Posted: 3:20 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

Thanks! Most of my struggle has been getting to the point where I had a live-able income, which I finally do with this latest job that I started at the end of October. I also got the house in the divorce, which is great long-term because it's paid for. But short term it's meant I was house-rich and cash poor. I'm really hoping this year is the year where I can finally get finances under control and heading in the right direction.

Another thing I tend to not give myself credit for, is that 3 years ago I was a sahm and had been for almost 20 years. It's been tough getting to where I have a paycheck that can support not just me, but my kids who live with me. Surprise, surprise, not everyone wants to hire a sahm who was out of the job market so long. So while I may not be where I'd like to be financially, I really am not doing too badly, all things considered.


Say what you wanna say and let the words fall out...honestly
I wanna see you be brave

Pretty pretty please, don't you ever ever feel
Like you're less than, less than perfect


Posts: 12170 | Registered: Jun 2009 | From: DeepInTheHeartOf, TX
Sad in AZ
♀ 24239
Member # 24239
Default  Posted: 11:13 PM, March 8th (Saturday), 2014View ProfileEdit MessagePrivate MessageHomepage

You've done such a good job, inconnu. You should be proud of yourself.

I need to do the same. Just need to build myself a ladder to get out of the hole I've dug. And stop making stupid decisions. Let me know if you come up with any good strategies.


I solemnly swear that I am up to no good.

Posts: 20433 | Registered: Jun 2009 | From: Upstate NY
Topic Posts: 8

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