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