Debt Archives - Page 53 of 226 - Blogging Away Debt Blogging Away Debt

by Hope

I am working on my debt update. I promise. It’s been months since I really sat down and looked at my finances. It’s terrifying and disheartening. But it’s also one of those situations where I have to think, there’s not much lower I can go. Don’t get me wrong, I know there is, things could be much, much worse. This is a 1st world problem. I am grateful for my privilege. very.

Let’s start with the positive

I needed to take a break from the hard. Let’s start with some positivity on the financial front.

My car is completely paid for and in good working order.
My home is in good working order. We have not had any issues with the HVAC or rain or electricity, etc. I am SO GRATEFUL for that, especially the air conditioning!
As of the date of this post, all bills are paid and in good standing.
While I have been late on A LOT of bills lately, really almost everything. I have not been more than 30 days late on anything. (I mean, one day shy, yes, but I haven’t hit that 30 day mark.)
I have discovered donating plasma which has paid for food for the house and the dogs for last couple of months. I absolutely hate it though.
To date, I have not had to sell my jewelry. But that will most likely happen in the next month if something doesn’t give. I have checked with Princess and Gymnast as these are items their dad gave me when we were married. Neither of them care at all about it. I’m the sentimental one.
I have lots of solid antique furniture. And I have checked with all the kids to see if there is anything they are dying to inherit someday. While I hope to not have to sell, I know I could get several hundred dollars for some of the pieces. They have mentioned a few items that are meaningful to them. I am very glad I asked.
Houses are still selling very well here. And I have quite a bit of equity in my home. This again, is a situation where I do not want to sell my home. But if it comes down to it, I could most likely sell it quickly and have $$ in my pocket.

This was my house during COVID times. There have been lots of changes since then. But I am so grateful for my house and my car. Those who have been here for a while will understand just how deeply I feel that gratitude.

That’s all I can think of right now. But I’m going to keep holding on to the glass half full outlook. No matter what. (Now I’m going back to work on my debt update.)

Hope

Hope is a creative, solutions-focused business manager helping clients grow their business and work more efficiently by leveraging expertise in project management, digital marketing, & tech solutions. She’s recently become an empty nester as her 5 foster/adoptive kids have spread their wings. She lives with her 5 dogs in a small town in NE Georgia and prefers the mountains to the beaches any day. She struggles with the travel bug and is doing her best to help each of her kids as their finish schooling and become independent (but it’s hard!) She has run her own consulting company for almost twenty years! Hope began sharing her journey with the BAD community in the Spring of 2015 and feels like she has finally in a place to really focus on making wise financial decisions.

by Hope

I know, you want all the bad news, all the ways I have screwed up…yet again! And I promise, you are going to get that. But since it has been a while and my life has changed so much just this summer, a little life update first.

Mostly empty nesting is going well

Pretty is still at home. She is working at a local retail store and going to school for cosmetology. I filed the adoption paperwork for her, but there has been a set back. So I’ll update on that some other time. (But it does adversely affect her ability to get financial aid for school which is why I brought it up so more to come on that saga.)

The five dogs keep me company and were really the only motivation I had to get out of bed for several weeks as the kids all moved away. The transition from MOM to single, isolated woman in a tiny town was so hard. Not to mention the crazy financial stress I have been on since…oh, last July. It has been the roughest year of my life. And those who have been around know I’ve had some rough years.

I’ve made and am making a concentrated effort to get more involved with my church. I try to go diligently Sunday mornings and just this past week made it to a Wednesday night women’s group with the encouragement of some women in my Sunday School class. And I am volunteering every Sunday evening to teach ESL. We are four weeks in on that is going well.

Finally, I am continuing to walk 5 miles every morning before 7am. And trying really hard to convince myself to add some other workout type thing to it…basic weights at home or jump roping. I’m not there yet, but it’s a goal.

The job hunt

The job hunt is TERRIBLE. Losing my dream job last summer about killed my confidence. Not getting converted to employee from the contract role hurt financially (the work environment was not a pleasant one,) and then being unemployed since February has been gut wrenching. I have probably put in at least 500 applications. The response is almost dead silence.

I am so grateful for my part time job (that I got after being referred by someone in my Sunday School class) which has provided a relatively stable income since March. Although it doesn’t pay the bills exactly, it is way more than nothing. And I genuinely love what I am doing and where I’m doing it. Who knew that I would enjoy going to an office every day?!? Thank goodness, she doesn’t care in the slightest what I wear.

It’s been a struggle to revive my contracting business after mostly shutting it down two years ago. But my purpose and goals are becoming more clear. And I’m dedicating time almost every day to its resurrection and pursuing projects and opportunities.

Dating sucks

I’ve been on more than a few dates. And I hate it. I don’t know that I will ever trust a man again. (My 5 year relationship/1 year engagement ended last November with no notice over text message. I literally wanted to die.) But when the loneliness threatens to overwhelm me or I get tired of sandwiches and noodles to eat (no, I’m not really that shallow) I will put myself out there.

Trying new things

I did decide that I wanted to learn to paddle board. I’m fat, so out of shape, and with my hearing pretty much gone, my balance is terrible. But it looks amazing. Thankfully, my back door neighbors are a young couple who LOVE the outdoors. She has made it her mission to teach me. And it’s free, we have soooo many lakes around here and she is letting me use their equipment.

I haven’t gotten to my feet yet, but I’ve mastered knees and seated. It’s been so good for me. And the best part, they are dog lovers like me, they have 3. As soon as I get more comfortable, I will be able to take my dog and do it with her on the board. So freaking excited about that!

Finally, travel

I know, I know. You’re slapping your forehead, going “This girl. She’s in all this debt, can’t pay her bills and she’s still talking about traveling.” I am! I can’t help myself. Taking Gymnast to Texas at the end of July really lit the fire in me to car camp more often. And the 3 boys all now being states away and Princess being hours away. I have to. But I’m doing it soooo cheaply. And it’s so good for my mental health. It’s kind of a must.