by Hope
NO MORE CREDIT CARD DEBT!!!!
Yup, even with my splurges from last month, I made enough to pay the remaining balance of my single credit card off today. Woohoo!!!!
I realize that the BAD community is very upset with me for purchasing a car other than my twins’ cars. And I will address that – the financial implications, my plan, etc. I want to get it registered and tagged before I post all the numbers so they are complete. And just to clarify, it is a used car and is NOT a 2019 new car despite the commenters who insisted otherwise.
I did respond to all the many comments…I apologize for the delay. But I was on a very stressful trip to return Gymnast to his father’s and meet with his school guidance counselor. It was filled with new memories, drama as I met his father’s girlfriend for the first time unexpectedly and tears as I said good bye to Gymnast for the time being.
I am looking forward to a quiet weekend, catching up with work I missed while away and the last weekend of freedom before volleyball begins and then school. I am ready for some regularity.
Here’s hoping you have a great weekend. My new budget and debt up will go up next week. We are working on a menu plan for the month and making sure I have the food here and ready to hit the ground running as both History Buff and Princess return to school.
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.
Hello, Car Loan!
Hello, Car Loan!
Yes, hard to get excited about paying off $2000 when she takes on $20k of new debt the same month.
Hope your answers just sound delusional. Repeating over and over that the car ISN’T new and ISN’T a 2019 means nothing. What year is it then?? How much was your loan? This is why you come across as hiding information because you never answer the questions and just defend poor decisions
Note that she doesn’t say that isn’t a 2019… only that it isn’t a *new* 2019. So it’s a 2019.
It is NOT a 2019.
Then what year is it?
Hahahaha see my comment above. Again, never answering the question. Just stating what year it ISN’T
The year of the car is not at all relevant. The fact it cost more than a couple thousand dollars very much is. And whatever the year and cost is stated, I don’t think I would believe it anyway.
You’re absolutely right, it doesnt matter if it’s a 2019 or a 2016.. and I 100% agree that we wont get the truth on the purchase price. Remember the revelation on the manicures? And all the posts on Instagram arent truthfully documented here either (meals out, Starbucks, trips, etc)
It’s not relevant in that it doesn’t matter, the car is too expensive and well out of her budget. It is relevant to Hope’s willingness to be forthcoming and truthful.
As it stands, it’s just further evidence that she is neither.
Jen and Jessica –
Completely agree to you both. My statement that the year didn’t matter was for Hope, that she’s focusing on a detail that is unimportant instead of larger facts that are.
Hope, when posters told you to have Princess pay at her new school I really don’t think they meant to pay the tuition but for volleyball and extras. How can she go to school and make such high car payments?
Princess seemed to be doing pretty well at public school. I think quite a few of us think you don’t spend more on private tuition than you have in a fund for your emergencies. As much as Hope might want to spend several hundred a month on private tuition and extracurriculars for her daughter most of us are somewhat concerned that Hope may struggle with housing or other real NEEDS as a result of choosing to f u nd wants. Then there is the new car. I’m cringing thinking of this new budget. You get rid of a $50 payment for the visa but take on $237.50($2850 over 12 months) for schooling for one child(and that’s separate from the several hundred for history buff ) and then throw the budget out the window to justify buying a car that for the last several posts you have said is not NEEDED and you are doing just fine without.
i think that hope has no real concern for future housing because she now lives in the same town as her grandmother. when her client base shrinks this time she will move in with her grandmother. some people never learn even the hard way. all i can say is i am glad that hope is not my child.
i grew up in poverty but i learned everything not to do from my parents. i am 59 years old and have zero debt and our mortgage was paid off more than 10 years ago. we drive a 2016 rav4 and a 2000 ford f150 both bought new and paid for with cash. i have never had to work outside the home thanks to my wonderful husband who spent 25 years in the military and another 15 working in the private sector. we are able to save money every month even in retirement. the real key is learning the difference between needs and wants. it is a real possibility that hope’s kids are learning what not to do from her.
Congratulations on paying off the credit card!!! GOOD FOR YOU!!!!!
It also is a very real possibility that Hope’s children are learning her bad financial habits!
I have a niece, who as a high school student, worked every spare moment at a nursing home. All that money went to her parents to help pay their utility bills, etc.–basic needs! (By the way, her father made a good income, but let’s just say . . . it wasn’t managed well.)
One would think that she would have learned what *NOT* to do based on the sacrifices she made during her growing up years. But, no; from what I hear, she is “up to her eyeballs” in debt. Those manicures are just SO important (for both herself and her daughter; after all, you have to teach them while they are young!). The countless trips to amusement parks, cabins in the woods, etc. can’t be delayed! After all, they aren’t children forever . . . (she said sarcastically!). Oh, and let’s not forget eating out at nice restaurants.
Now mind you, this niece still works very, very hard. In fact, she is, and always has been, the main “breadwinner” for the family. I suppose that her justification is that *because* she works so hard, she *deserves* these other “rewards.” I just hate seeing her, or anyone, for that matter, in so much debt. (As far as I know, the debt mostly is a mortgage, student loans, and medical payments from the birth of child # 2 who had to be in the NICU for a while. Did I mention that child # 3 is well on the way . . . ?)
CONGRATULATIONS. So many posters are sitting so high and so perfectly on their horses, so high that they can’t even see the ground you walk upon. You, Hope, have come a long way financially and your kids are doing just fine. Just a couple more years to go and wow, you’ve done it.
lol, Delusion runs strong around here
Thank you, I appreciate the encouragement!
WOOOOOOOOOO-HOOOOOOOOOO!!!!!!! Congratulations! You go, girl!