I discovered ‘He-Who-Must-Not-Be-Named’ thwarted my good efforts

I forgot that when we let every one know we are trying to better ourselves in a public way that ‘everybody’ includes ‘He-Who-Must-Not-Be-Named’. I forgot about him until I realized that since I decided create this blog following my path to financial freedom my finances GOT WORSE! Oh, I mean I let them spiral out of control.

I had the credit card companies calling me multiple times a day. I finally got smart and put their phone number in my phone and then set it to go to voice mail automatically.  Ha! You thought I was going to say I got smart and paid my bill…no such luck.  I was and still am trying to get above zero  in my checking account. The nice part is that I do get paid weekly by direct deposit. However, I still have the big bills to come out such as rent and my car payment.  I did get a couple of the bills caught up; now I just am behind on half of them. *sigh* I don’t like being behind on bills. I finally REALLY saw what it does to your credit when you are good and conversely, when you are bad. I don’t like being bad.

I did make my own executive decision to karate chop my Christmas budget. After Christmas I’ll post pictures and reveal how little I spent; which also means I have to remember to take pictures as I go J

Back to the subject:  Now that I realize bad evil people are trying to thwart my financial success it means I have to be extra diligent in praying for constant guidance and direction. The Lord’s miracles can be truly small but awfully mighty at times.

One of the things I realized through this journey is that my finances, unfortunately, were one of those things that fell off my plate when I ran out of room in my life. I work two jobs and go to school full time. Days off are extremely rare. My house is a total disaster! The floor on my spare room is buried under about 3 feet of ‘I’ll throw it in here and deal with it later’.  I’ve come to terms with the fact that later means when I’m done with school next summer. I have to find my kitchen first.  

I just had a disgusting thought.  1 year ago my total debt was under $17,000. Currently it is around $60,000. Next year it will be around $78,000. That’s enough to make me ill. Last year I had a car that was considered paid off by the bank, $14000 in Student Loans and roughly $2300 in credit cards. I still have the $2300 in credit cards and have added $18000 to the $14000 Student Loans and have a new car valued at $25000. Next year we can add another $18000 in Student Loans! If I’m smart and wise I’ll use my tax return money and pay off Visa, Master, Firestone and Goodyear. Though I’ve never, ever gotten a 4 digit return hopefully I’ll get more than the $300 I usually get since I can claim being a full time student for the next two years!