Friday, August 25, 2017

Friday, staying positive when you are in the negative

     The bill for the sprinkler system problem came in finally and we owe, $1426.00.  So there goes my hard work to save $1500.00. ARGHHHHHH!

     It makes me want to throw up my hands and call it quits, but that is not going to happen.  I am going to count my blessings and get on with life.

     First of all, I have the money to pay the bill. I am not scrambling and getting hysterical which has happened in the past. I will be able to get more money in savings soon.  The shop is busy and I am living in frugal ways to try and save money.  Every little bit helps.

   Second,you will see by my totals that my debts are going down and at the first of next month I will drop below a 1000 mark in two of my big categories.  Doing that always gives me a  mental boost.

    Third,for the last several years I have had to borrow money in the summer to pay studio bills.  No matter how hard I tried to save I was always short by August.   Some years I was short the whole summer. Summer was miserable trying to pay an extra $1500.00 minimum a month in bills with no money.  I would just go and borrow $5000.00 and pay it off. Last year it was the studio and the kitchen. This summer I have had no studio bills and I have also had $1000.00 a month from the sale of the studio come in every month to pay left over bills.  Now that the Lock loan is gone I can concentrate on the Studio Credit card.  That sucker is going down.  It has to be gone by September of next year.  Hopefully I will be able to bump down the interest rate this fall.

   Fourth, I was actually able to save money this summer instead of borrow money.  What a concept?  Now the saved money was taken by Murphy but at least I was able to save.  We have paid off enough smaller bills to have bigger chunks of money to attack other bills. Slowly but surely they are getting paid off.

     There I have listed 5 really great blessings.  Things are getting better.  They will continue to get better, I am working hard, saving where I can, praying constantly for help and strength and trying to remember to be grateful.

     I am not going further into debt, even with my vacations and travel I am paying cash as I go.  I realize I could take this money and put it on a bill, but sorry life is meant to be enjoyed and I have spent the last 38 years broke, in debt, and working my butt off.  It is time for Hub's and I to enjoy our kids and travel a little.  We have long term savings for major trips.

     Stay positive, even if you are n the negative.  My new mantra:)

Have a great and productive day.

Kim
    

15 comments:

  1. I need to post your new mantra on my bathroom mirror ... We are going to cross the finish line one day. Look how much better off we are now than we were five years ago. Let's pat ourselves on the back and move on :)

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    1. I know, but I still live in fear every day that it will not happen. I just have to keep reminding myself that I will work hard and play a little.

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  2. You have definitely make such great progress since I have started following you. Keep up the great work.

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  3. I hear you on the frustration. Focus on the wins and that you are much better off than when you started this journey. Since I'm walking in similar shoes, I know that is often easier said that done. I'm sure there will be a lot of ups and downs on this journey. The important thing is to just keep going. We will (all of us!) eventually cross the finish line.

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    1. I felt so powerful with the 1500.00 and now I feel deflated. Like a flat balloon. I need to find some helium and somewhere:)

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  4. I love your new mantra!! You are doing great and this will all be worth it in the end.

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    1. I think Kim should add it as the tag line for her blog! Since I read this blog with every post, it would serve as a frequent reminder to do just that!

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    2. Well thank you both just thinking of doing that!

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  5. Yes..sweet friend.. enjoy your trips.. You are doing a great job, paying off debt... try to not be down over the "new" bill.. It will all be ok..
    take care of yourself...dont over do..hugs.

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  6. I know what you mean about it being hard to pay a big bill with money you've saved. I have felt that way about my medical bills. I have the money, but I will have depleted our savings significantly when I pay them. They were bills that we didn't expect.
    God bless you!
    Laura of Harvest Lane Cottage

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    1. My suggestion to you as one who has paid a lot of medical bills. Ask them to discount or forgive if you pay a portion. Hang in there.

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