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Posts tagged with: mortgage

Setting Up House in TX

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Now that I’ve been at my parents for one week and some change. I have finally completed unloading my car and gotten my personal items organized. After a week off work, I had to hit the ground running. So my office is still under construction. (And somehow along the way, I broke my computer. Not un-useable, but well, more on that later.)

It was an exhausting and exhilarating last couple of weeks in Georgia. The house sold, all the kids came to Georgia, Princess graduated, Princess turned 21, and Mother’s Day. It was a whirlwind.

Hope and her kids at Princess college graduation

I was so ready to get settled into some sort of normalcy that I skipped my planned stop to visit friends where I went to high school. I spent 17 hours straight in the car just to get to a landing spot.

Setting Up “House”

Now I’ve begun ticking off a laundry list of “house keeping” items to get settled:

  • Get private mail box (PMB) so I have a mailing address as I begin converting things over – $168 for the year.
  • Find a good chiropractor. This is the medical care that I use regularly. My chiro back in Georgia was amazing. So again, interviewing before I have a need – $39 special for xrays, eval, and treatment plan. I won’t do the whole treatment plan, but this gave me a good feel for this particular office and I’m now comfortable having someone to call should the need arise.
  • Identify a good boarding facility. I have two weekend trips planned in the coming months so I want to be prepared. It’s a lot hotter here than Georgia, so important that I tour the facilities because my dogs are definitely not used to the heat. No luck so far. And it’s soooo hot! We were truly spoiled by the two facilities back in Georgia. Highly recommend Keller Creek and Prospect Farm if you need to board your dog in NE Georgia.
  • Continue to work with my dad to set a schedule and identify where he feels he needs the most help. We are getting there. I’m sure this will evolve over time.
  • Get into a daily routine for work and my health. I started walking again this week. 5am every day. And my sister wants to start going to the gym together, ugh! We’ve pushed that off a couple of weeks since Princess is coming to visit next week. But when we do start, I will be going as her plus one. I’m not spending the money on a gym membership.
  • Set up my office. This is a work in progress. I have a whole room, but it’s cluttered with furniture, so I’m slowly rearranging. (With my dad’s permission and support.) When I got here, he still had his Christmas tree up…that’s been taken down now. Baby steps.
  • Get prescriptions transferred in order to get refills. My doctor made sure I had enough refills to get through until my return to Georgia in September when I already have a follow up visit.
  • Organize my bedroom. Done!

Once I get myself organized, I will start on more organizing and purging at my parents’ house. Even now, my car is already full of a load to take to donation. This consists of things I’ve gathered in the last 6 months visits, but wanted to allow my siblings plenty of time to grab anything they wanted.

The cost of this move were minimal. But I know I will have some additional costs over the course of the year as I slowly transfer things to TX. Most will happen toward the end of the year, after the wedding which is my last planned extended trip to Georgia.

Hope’s Debt Update – May, 2025

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Phew, it seems like forever since I’ve felt good about giving a debt update. But I am over the moon as I write this!

This girl’s only debt, only debt…are my student loans. And I did make an extra payment to them, along with my now regularly required monthly payment of $307. For those that are new, my student loans have been in deferment for a very long time. But no more!

Prior to this month’s payment, this is where my student loans stood.

student loans update

You can see, it has been a LONG time since I made a payment toward them.

But here we are today…

Debt DescriptionOctober, 2023 TotalInterest RateMinimum PaymentCurrent TotalPayoff Date (Est)
Student Loans$22,1212.875%$307$21,811
CC - Apple**$500Paid off every month$0
CC - Frontier$3,85729.99%$0$0May, 2025
Dad - New Furnace$2,6000%$0$0
May, 2025
CC - USAA$5,00019.15%$0$0May, 2025
CC - Sam's Club$0May, 2025 (again)
CC - Amazon$0May, 2025 (again)
CC - Southwest$0May, 2025
Painter$0May, 2025
CC - AMEX$89429.24%$0$0Mar, 2024 - Closed
CC - Sams$1,10629.99%$0$0April, 2024
Personal Loan #1$2,5000%$0$0July, 2024
Personal Loan #2$2,5000%$0$0August, 2024
CC - Wander$1,63029.24%$0$0August, 2024 - Closed
CC - Amazon$1,49729.99%$0$0September, 2024
Total$44,206$265$32,131

Getting Acclimated & Making Plans

As of yesterday, I’ve been at my parent’s in Texas for one week. Dad and I are slowly adjusting to a new normal and getting into a routine. And I’m still feeling out the area and keeping an eye out for things to get involved in.

My number one priority is to be available to help care for my mom. What that looks like now is giving Dad the freedom to get out and about a bit without being worried about inconveniencing anyone. We’ve set two days a week that he knows that I will be here, ie not make any plans that would take me away from the house, and he doesn’t have to “ask” for coverage. He’s still struggling with that. (I don’t leave the house often anyways, but this regular schedule gives him more freedom than he’s had in years as mom’s constant companion and primary caregiver. My siblings have been fantastic about helping. But dad struggles with asking and feeling like a burden. I’m hoping this alleviates that weight on his shoulders a bit.)

On the flip side, I’m looking for ways to build community. A type of self care that I need. I visited a new church with Gymnast on Sunday. And I’ve reach out a couple of places to check on volunteer opportunities. Now I’m thinking of creating a flyer to print and drop off at local businesses to advertise my services.

I actually went to a chiropractor and in discussions about what I do, he hired me to help with his website and marketing. I just need to get more bold with putting it out there.