Debt Pay off

So as i mentioned before my husband and I have a lot of debt due to bad usage of credit card. Currently we are working on getting them paid off using student loans. While we are using peter to pay paul we have found that this will work with us because once i am done with my MSW we will only have student loans and the house payment that we will be paying on. This next school year we are focused on getting all of our credo card debt paid down and off. Next school year we are going to focus on our cars which will be paid off by the end of 2014 however we don't want the payments after 2013.

This is currently the debt that we have

Jessica's
braces-468
capital one-1919
ge money-1305
car 9791

Matt's
Ge money-684
capital one-3864
truck-8860
best buy-1504


I got a refund of 3800 in my student loan. We are also going to putting money aside because this year we ran into several huge emergency and did not ahem the money for them. We are trying to keep 2000 in savings and are hoping to build up to 10k by the end of 2013.

This is what will be paid off

Jessica
braces-468
capital one-200
ge money-none currently as it has no interest rate
car- none

Matt's
ge money-684
capital one-300
truck-none
best buy-200

We paid off a total of 1852 of our debt. Woo Hoo

In January I will also get 2500 from my job as they are assisting me. Plus another 3800 from student loans. After we get that money we will sit down and look at what needs to be paid next and how much.

The good thing is that since some of these things are paid off and down we can add more money to the big capital one bill.

I am looking forward to being debt free.

Where have I been

Life in my household is always very busy. So i will do a quick update

The Girls both completed second and kindergarten and now are i first grade and third grade- Hard to believe they are growing up so fast

Work- Matt and I are still working full time there are days we both hate it and then love out jobs. Matt has been working extra to make some extra money which has been a huge help that last few weeks as we had some major medical bills come up. ER visit for Maddison and then Maddison had a cavity that needed to be filled.

Kylie got her braces off and is now in a retainer at night and she hates it. LOL

Maddison hopefully will not need braces anytime soon

We went to florida to visit family and I have to say it was nice to get a way from the stress of normal life but it was nice to sleep n our own beds. lol. The visit was good, i got to meet my nephew Trace, we went to the beach and ate at some of our favorite restaurants.

The biggest news right now is that I start school tomorrow to get my Masters of Social work. I must be crazy. I go 2 nights a week, for the next year and then next summer I will start an internship for a year and hopefully I will have my degree by 2013. Woo hoo

Another thing we are currently working on is getting out of debt. We have a plan to use most of my student loan money to pay off the smaller debt and hopefully start working on paying the cars off next summer. I am also hoping to start a savings account so that we can work on having an emergency fund as we keep having emergenices.

That is our life in a nutshell. I am going to work on a post of our debt and how we plan on paying it down.

Broken Hearted

So Tonight I am broken hearted. My husband finally decided that he does not want to have another baby. I am sure how I am going to process this and move on only can say that I hope we make it through this because this is a major issue for me.

The 4th Bedroom

A year ago when we bought our house we bought a 4 bedroom 3 and half bath home. The goal when we bought the home was that the 4th bedroom would some day filled with a little baby. Yet after a year we are no closer to figuring when we will have that baby. A lot of the problem comes from my hubby who can't decide if he wants one or not. However I am ready, yes I would like to wait until some of our debt is paid off and we have some money in savings yet I think my hsuband wants me to forget but that will never happen. I hear my clock ticking daily.

Oh how I long to fill the 4th bedroom

This past weekend was the anniversary of my mom passing away 5 years ago. Yet for me it is mixed blessing and sadness at the same time. My mom and I did not have the best relationship and has no relatiosnhip from the time I was 10 on. There were things she did and said that she never have done or said. Plus she did not protect me from 2 men who did terrible things to me. For me it is a good thing that she is no longer here because she caused so much drama ( years of fighting, having my dad arrested, false charge with the police and CPS, YES She was that great). However on the other hand I am saddened by the fact that we never will be able to resolve the issues that we had. She passed away never hearing me say I forgive her. Plus I missed so many of the mother/daughter relationship that we all look forward to. However the biggest sadness for me is knowing that my mom died thinking I hated her.

My mom passed away right after my youngest was born. I remember my dad and step mom calling me. I remember feeling numb by the fact that she was gone. However I was not sad by the fact she was gone. I remember going to Matt's job and telling him and trying to force myself to make tears. I remember going to her memorial service and thinking that I was glad she was gone(awful I know). However I look back at that time and know that I was saddened by the fact that I never got the chance to say good bye.

I have had so many things happen that I wish I could have shared with her and because I can't I am going to share it here. I am hoping it will help with the pain I feel.

* I love her and forgave her many years ago
* I wish she would have loved me enough to believe me when I told her about my issues
* I wish she was there when I got married
* I wish she could have met Matt
* I wish she could have been there when I had the girls
* I wish I could talk to her on a daily basis. I have so many things I need wisdom on and really have no one to turn to.
* I wish she would have loved me as much as she loved my brother.

I look at my girls and hope and pray they never have to feel the way I do. I love my girls and could never imagine not seeing or talking to them for 10 years. I could never imagine my girls getting married and having babies without me being there. I will do what I can to keep a relationship with them. When I tuck them in to bed tonight I will kiss them and give them a big hug not only for me but for my mom who will never meet her grand kids.