Tag Archives: paying off debt

2017 New Years Goal

Every single year I set myself up for failure with my New Years Resolutions of losing weight or whatever I goal I set. Well I’ve finally set my 2017 New Years Goal… Can you guess what it is? Nope it’s not to lose weight, get fit or anything like that.

It’s to start couponing to bring the cost of my monthly grocery budget down. My goal is to cut my budget for our monthly groceries down to $400 it is currently around $800-$1,000 for our family. I’ve always tried couponing at the grocery store, Target, etc. But I could never really get a savings of 50% each and every single time I was shopping. In all actuality, I’d like to get my monthly out of pocket grocery expenses to less than $150 for our family of 7. Will this ever happen… Probably not. But I’m sure going to try.

So I’m on a quest this month (December 2016) to really learn the art of couponing in order to save our family some money. With all the money I hope to save, we plan to pay down the credit card debt that we have from the purchase of home improvement materials and the cost of our handyman’s labor. Things got a little out of hand there with our credit card spending these last 5 months, so I hope to have less credit card debt than when we purchased our house or have no credit card debt at all by December, 31, 2017!

I’ve always been good at getting great deals at Kohl’s, but I’ve always struggled to get the good deals at the grocery store and Target. I mean I might occasionally get some great deals, but I want the best deals possible. I want to save money and get out from under all this dang on credit card debt once and for all. Will this be the answer to pay off all our credit card debt, NO! We’ll have to use our tax return for 2016 to help and probably double minimum payment amount in order to get down to where I want to be. I have high expectations, but I have the ability to work on achieving this goal. As a stay-at-home mother I can dedicate a few hours each week to finding the deals, matching up my coupons and much more. Just so I can stay home with our children and lead a more financially stable life.

What are your 2017 New Years Goals?
I’d love to know so leave a comment below!

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Setting Goals

For the longest time, I’ve been setting goals and never achieving them. I’ve struggled for a long time with having the proper motivation to actually get things done. It doesn’t matter what it is… weight loss, writing a book, going to school, etc.

Recently, I was working on setting goals. A goal that could launch me into a better place in my life. I’m launching my 1st E-book on or around April 15th on Kindle Direct Publishing. I promise I’ll post a link to the book, so if anyone is interested that they can purchase it. I’m also going to promote it on Pinterest, Twitter, Instagram and Facebook.

Setting goals that have any chance of getting completed by me are normally worthless goals. But this goal is something I’ve wanted to do for a long time. It’s finally done and I’m just making sure all my ducks are in a row, in order for me to launch the book.

I’m going to be setting a new goal for this book. I want to earn $100 (after Kindle takes their cut) as my first goal. So how much is the book going to be? $2.99! I only have to sell 48 e-books in order to reach my goal of $100. Why am I setting goals for my sales? Well because I would like┬áto start earning an income with book sales. I have to give myself a goal in order to really push myself to promote the book. Plus, it’s good to know how many books you need to sell in order to reach a specific amount of money. I personally want to use this money earned to pay off the rest of our credit card bills, student loans, and the mortgage we’re about to get ourselves into.

Yes, I have high goals for paying off our debts. We’re obviously going to be putting money into our kids college funds. We still have about 6-7 years before our oldest goes to college. So we still have time to build up a large college fund. Once our credit cards bills and my student loans are paid off, we can dedicate all that money we were spending to our kids savings accounts. See we have extremely high goals. We’re going to reach them, all because we are responsible with our money.

I already have my 2nd book in the works. I just need to finally get my butt in gear and take the photos that need to go inside the book. All of my e-books will be priced accordingly, yet still be affordable. So between $2.99 and $9.99. This will allow me to earn decent money as long as my books are selling. Again, I will have to promote my books online. So we’ll have to see how well that goes. I know I’m not guaranteed to make any money, but I’m hoping that all my hard work, promoting and such will work itself out and allow me to reach my goal.

If you’ve got a goal that you’d like to achieve, then stop waiting and start working towards whatever your goal is. No matter how big or small, achieving your goals should be important and you shouldn’t let anyone hold you back.

Make sure you keep an eye out for the post with a link to my book.
I’m really excited about finally reaching this goal.

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3 Times

Never in a million years, would I have ever expected for Kevin to already be making 3 times the money he was making with his last job. He’s a month and 7 days into his new position with his new company and already making 3 times what he made in his last month at the old job, talk about a huge blessing. This career change (which really wasn’t a change, just had to get back into the power generation field). This company has been amazing so far. Kevin travels a lot, so he’s paid really well. He should be getting a raise in a few months (around 6-10 months from now), it all depends on his performance; which let’s be honest… he’s a Marine, they’re known for being on-time to things, doing their job, and getting it done the first time. Kevin has a great work ethic. He truly would do anything he had to do to support our family, including working 3 jobs if he had to do so.

Kevin spent the weekend in NY working, he’s headed to Florida again soon. I haven’t seen his schedule yet, so I’m not sure what he’s actually doing or where/when he’s traveling.

We’ve been slowly working on paying off our debts, because we want to start fresh when we finally go to buy our house. Only thing that will be on his credit that has a balance, is the Maryland property (unless it sells; but we won’t get our hopes up). We’re doing well financially with Kevin’s new job. So it won’t be long before our family is living our dream.

We’ve spent a lot of time reminding the kids that Kevin is doing this for our family, that he’s traveling and working long hours, so we can buy a house and give them the best life possible. Once we’ve gotten all our ducks in a row, it will be time to get down to putting money into investment accounts (we’ll be talking with a financial planner & stockbroker). We want to make sure we’re taking care of when Kevin’s ready to retire. We have lots of time before that happens, but we really need to get started while things in life are calm for us. Having 5 kids, we’re bound to need some extra money (braces, emergencies, etc).

We get to see Kevin for Christmas. He gets the whole week of Christmas off and they have off New Years Eve and New Years. So we get to spend time with him and he gets paid the whole week…. without even having to work! BEST COMPANY EVER!

Well I have to go feed Zachary & Ryleigh, fix myself some lunch, do some laundry, and wash the dishes.

Hopefully, the next few updates will be better. I was just so excited to see Kevin’s pay stubs. This job really couldn’t have come at a better time, I was starting to get discouraged. But our lives are back on track and now we can keep heading in the right direction. Hopefully, next month he’s making more than 3 times the pay at his last job. I’d really like to see him hit 4 times the pay for the month of October 2015 at his last job. That way we can keep on throwing money at all our debts.

I hope everyone has a wonderful week!

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So Kevin and I take pride in having good credit. But we want excellent credit. My goal is to be able to walk into any car dealership or apply for any loan/credit card and be approved, allowing us to get the best possible interest rates.

Now we don’t plan on going out and buying a new family vehicle at this moment. We’re just going to continue to repair my old SUV so we can continue to enjoy not having a vehicle payment. We have been car payment free for just over a year. We made the lasjujut payment on Kevin’s truck in March 2014. We’d rather save up for a new family vehicle than take out a loan. This would/could prevent us from obtaining a mortgage loan when we are finally ready to purchase our dream home.

But in the off chance that we have no other choice but to take out a loan… I want to know we’re getting the best rates possible. So we’re working on paying off credit card debt, one card at a time.

I’m also going to write two goodwill letters for two derogatory marks on my credit reports. They’re from when I was married to my 1st husband… So I’d like to get them off my credit reports. This alone will help boost my scores a little bit.

I’m so close to having a 700+ credit score. In fact I’m about 10 points from 700! By paying down our credit card debt, I’ll be lowering our credit utilization thus raising our credit scores! Boom!

Are you wondering how to get your head above all your credit card debt, mortgage, car payment, student loans, etc? Well leave me a comment below and I’ll post a blog about how to pay down or off your debts early by only changing  little things.

I’ll be updating all you loyal readers on my success or failures, as far as the goodwill letters go. I’m really hoping that I can persuade them to remove the negative marks because I’ve already paid the debts off last year in September 2014. Of course, it takes about 45 days to get any real response from creditors and the credit bureaus. So check back for updates on this subject around mid-August.

Is there something you’d like me to blog about? If so, please leave me a comment.