Tag Archives: Victoria Delancey

Daily Vlogging

Last summer we tried our hand at daily vlogging. Needless to say, it didn’t last very long and I felt like it was all that we did. We didn’t do anything fun last summer because of Zachary’s broken elbow. This year we already have our pool membership and river access key/pass. So we’re going to be living it up this summer at the community pool or the river.

Because last summer was such a bust due to having a kid in a cast for 4 weeks, we’ve decided that we’re going to try daily vlogging again this summer. Starting July 1st, which really means I’ll be recording at the end of June so we upload on July 1st.

We have so much to share in our daily lives. Like how we raise our 5 children, how the adopting/fostering thing is going, what we do all summer, how we budget, teaching our kids life skills while making things fun, etc.

We will also be addressing Zachary’s behavioral issues as he was just diagnosed with ADHD and we’ll soon be testing the waters of medications available for him. We will still be pushing to have him tested to see if he is on the Autism Spectrum.

We’re looking forward to taking you all along for the ride that is our lives. We’ve got a crazy bunch of kiddos and we’re blessed beyond measure. But remember we’re only showing you the majority of the good moments in our lives. Things do go wrong and we’ll capture some of the bad moments in our lives, but we don’t want to dwell on the negative things unless there is a teachable moment.

Our main purpose for daily vlogging is to share our lives with family members who do not live nearby. Since we live in a different state than both mine and Kevin’s family we don’t see them as often. We will be using our YouTube channel to share our daily lives with those close to us. Obviously, we are opening up our lives to criticism and the potential for negative comments. We (Kevin and myself) will not tolerate negative comments towards our children or our family, we do have the settings for our comments set to where we have to manually approve them. So if there is a negative comment our children will never see them.

We look forward to sharing our Daily Dose of Delancey with you in just a few short weeks!


Waiting Game Again

Are we really playing this waiting game again? I think so… UGH! I’ve never bought a house before and we’ve never gotten this far into the home buying process in the last 2 years. Mostly because Kevin didn’t make a sizeable enough income to support two mortgages. Now that Kevin does make enough income; without using his overtime or per diem, I’ve been able to really get some insight that I didn’t have when we tried to start this journey.

Once we realized that Navy Federal Credit Union was unable to get their figures correct, provide us with the proper information or get the information I had given them correct that we would be using another bank. So we decided on Wells Fargo. Our buyer’s agent hooked us up with her mom, who just so happens to be a mortgage consultant at Wells Fargo. So We’ve been getting great service from Wells Fargo. I truly can’t say good enough things about Wells Fargo and our mortgage consultant.

This waiting game again, is really getting on my nerves. Right now we’re waiting on the VA Appraisal. Once that is submitted, as far as I know the underwriting department looks it over and decides if the house is worth what we’re paying for it, if not then we’ve got to start over and we’ve already put about $1,300 into this process already. Fees that we don’t get back if our contract goes to shit!

Right now, we’re on business day 8 out of 10. So hopefully by Monday the VA Appraiser has done their job and writes up their report and submits it to our bank before the close of business on May 20, 2016. With a VA loan there are certain stipulations, for example ALL of our documents have to be in our file for 14 business days before we can go to closing. That means all the inspections (pest/termite, water test, VA appraisal) and all of our income related documents, our bank statements, etc. I honestly think that the process may have been easier if we hadn’t used Kevin’s VA loan. But then we would have need at least 3.5% down for a down payment. Which right now, just wasn’t possible for us, so we just went with the option that was best suitable for our family and our financial situation.

I will say that it hasn’t been a horrible process now that we’ve chosen the proper bank for us. Right now, we have our conditional approval. Just waiting on the paperwork from the appraisal to be uploaded and then play another portion of the waiting game again!

It’s a rough spot to be in, mostly because we’ll be leaving for the East Coast shortly before closing and with either stay with my sister or just go visit friends in Virginia that are still active duty. Until we close we’ll be in limbo. So we’re really trying to wait until the last minute to leave here and head to the Maryland/Virginia area.

Man, I still think about all the times I said I hated the Virginia area and how much I wanted to be back in Maryland. I guess I felt so isolated from the “real world” when we lived on base. But now, I’m chomping at the bit to move back. I can’t wait. We’ll be close enough to visit family again. I’m dying for the family interaction again.

Well I’m headed out the door to go get some milk. I forgot to buy some yesterday while I was grocery shopping. I was so focused on getting out of the store without wanting to rip my hair out. If anyone has young children, they you understand my dilemma when it comes to shopping with them. Their hands are always touching things, they want to whine and cry, ask for things I haven’t paid for yet, etc. So I rushed and missed a few things I needed.

In the meantime, wish us luck and that this appraisal process is quick and painless.

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Planning for the Future

If you haven’t guessed it already, I’m into planning. I try and plan everything. I like concrete plans and details. It is just who I am. I used to be more go with the flow but having 5 kids really had gotten me to work towards a schedule, that way everyone gets to do things that they want to do. So I’m planning for the future, the near future.

I have spent the better half of 3 years fighting an uphill battle with my weight. Since I had Zachary in June of 2012, I have struggled to drop the excess weight I gained in 2011-2012. After having Ryleigh, I lost all of my pregnancy weight in 3 weeks! BUT I gained some of it back after moving. The stress really got to me, I couldn’t find the time to workout regularly. I always had an excuse. I’m tired of the excuses when it comes to my health. So I’m planning for the future, my future.

I have several goals that I want to achieve, but first and foremost, I want to be healthy for the sake of my children. I want to be more active with them. Airsoft wars with the little boy who gave me so much strength and taught me so much in the last 12 years. Gymnastics practice with my 1st daughter, the one I so hoped would be a little boy because I wasn’t ready to raise a daughter. I thought I’d somehow fail her as a mother because I grew up a tomboy. Dance classes with my spunky little spudlet. T-ball with my terror and tumbling with my littlest love. I want so bad to be able to keep up with them, but my body is telling me otherwise.

I need to get my physical health back on track, so I can be a more active part in their lives. No more excuses. The only thing that’s holding me back right now… is space.

So I’m planning for the future… making my plans, getting all my supplies, getting all my thoughts together and slowly working towards the day that I can start working out. My plans are to start working out within the first month after we move into our home. I like to start things on the 1st of a month, so if we move in as soon as we close then I’ll be starting on July 1st. If not, we’ll I start on the 1st day of the following month.

I’m ordering meal prep containers. I’m one of those people who will fix food for her kids and then not feed herself. So my goal is to prep my meals and snacs each morning while I’m dealing with the kids breakfast and school lunches (during the school year). I’m going to keep track of my eating, my exercise, my water intake (which is something I struggle with), and pretty much everything possible. I’d like to do videos for my Vlog channel, but we’ll have to see how that goes. I’m currently not recording any videos because I’m still searching for the software that I had on my desktop when it crashed. I had the disks somewhere, I just need to locate them.

If I want to get anywhere in my life and be a positive example for my children, I need to stop putting things off. I need to stop feeling sorry for myself and my weight gain. I need to get off my ass and do something about it. Stop looking for quick fixes and just do the work… the hard work. It will all pay off in the end.

I need to stop stuffing my face with food that has very little nutritional value and actually eating clean. No more fast food, no more sodas (okay, okay… just once in a while I’ll drink a soda). I need to cut out the excess sugar and calories. I need to stop sitting on my ass all day and thinking it’s just going to disappear without me doing anything. Okay, so I really don’t think it’s going to disappear without me doing anything… in case you were wondering. I actually understand why I’m not losing weight. It’s because I’m stuck in the same rut, I’ve been in for almost 2 full years. I’m not sure if it’s untreated post-partum depression but somedays I don’t even want to get out of bed. Every day can be a struggle, but I want to change that. I want to move forward with my life. I want to be healthy, physically and mentally.

With the house we’re buying, I’ll be able to put the treadmill in the family room. So I can keep an eye on the littlest two while I workout. I also plan on using T25 since I already have it and once I’ve completed T25 at least once (maybe twice) then I’ll move on to Insanity.

I plan on investing in an Obsidian slideboard because it’s easy on the knee joints. My knees are really weak, so I’m hoping to work on strengthing my joints while losing weight. I also want to get Kangoo Jumps. I know… I know. Crazy fad toys to play with. But if it makes “exercising” fun, then I won’t realize just how much I’m working out and want to keep doing it. That makes it so much easier on me. I hate when working out feels like a chore. So if it’s fun, I’m in!

I’d also like to see about getting 22 Minute Hard Corps and Hammer and Chisel from BeachBody. Not all workouts are going to be fun or even easy. But these two will help me tone and gain muscle. I can’t do them all at once, but I think it would be nice to rotate between these two programs on a weekly basis.

I cannot give up this time. I know how I am. If I don’t see results pretty much immediately, then I give up. In my head, I know I shouldn’t give up when I don’t see results, but I just cannot help it. It’s frustrating, to say the least. I never really had a problem with my weight as an adult. In my mid-teen years, I took Kung fu classes with my brother, I walked to work before I got my license, I was really active. I went from weighing 178lbs in 2000 to weighing 130 lbs in 2001. At that time, I felt good in my own skin. Now… not so much! But after having 5 kids, I’m going to have loose skin… I’ll just have to get a tummy tuck when I drop all my excess weight and have kept it off for at least a year. Maybe that will be my 35th birthday present to myself (I better start saving now). I’m petrified of surgery and recovery, so I’m hoping that I can avoid surgery at all costs.

Because I am so impatient, I’m ready to move. I’m ready to start working out again. I’m ready to see some results on the scale and in the way my clothes fit. I’m not just about a # on the scale. But I do have an actual goal set for my weight. I also have a size goal set. That way, I’m not bound to either one of them. I just want to reach one of them. Whichever happens first.

I’m really looking forward to what’s in store for me, as I lose this excess weight. I’m looking forward to feeling happy with my physical appearance and the growth of my physical strength. Nothing but myself is stopping me from reaching my goals. I’m going to keep on planning for the future and my success.

Do you have any goals regarding your health or wellbeing? If so, leave me a comment below. I’d love to know that I’m not alone in my quest for better health.

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Beg Borrow and Save Wedding Edition

So after weeks of putting together my first book, “Beg, Borrow & Save: Wedding Edition”… It is finally up for sale on Kindle Direct Publishing.

I have never been more excited about anything than I am right now! The last 5 days took a toll on me while I was waiting for my book cover to be created by another artist. I will be writing a post on how I completed this book and how I found an artist to create the cover of my e-book.

The book is currently priced at $2.99 but in the very near future there will be a sale. It will be FREE for only 5 days from May 6th- May 10th! In honor of my oldest brother’s wedding, Mother’s Day & my 31st birthday.

I really enjoyed the process of writing this book and have put some of my best tips/tricks in it and hope that it will help others have the wedding of their dreams, even on a budget.

I’m getting ready to start working on my 2nd E-book which I hope to publish on May 9th. There has been something very rewarding in writing an ebook that I can self-publish via Kindle Direct Publishing.

Do you know anyone that is getting married in the near future? Maybe you should send them a link to the book. It’s affordable and informative. It’s witty and has some great out-of-the-box tips and tricks to save money while planning your dream wedding.

Well I’ve got some sick little ones at home today, so I figured that I’d just drop in and give all my wonderful readers the link to my book.

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3 Easy Ways to Pay Off Credit Card Debt

Just a few weeks ago, my husband, Kevin and I were in over $25,000 in credit card debt. No our cards weren’t maxed out, not a single one was. But they were close to their limits. We knew that we had to get rid of our credit card debt or get it under control FAST in order to apply for a mortgage loan. Read on for 3 easy ways to pay off credit card debt!

Let’s start with the easiest way to pay down your credit card balances.

Add a few bucks extra to your minimum payment!

You’re probably wondering why I said this first… well that’s because it is by far the easiest thing to do to lower your balances. It may take a while, but it can shave YEARS off how long it will take for you to pay back your debt. PLUS…. It saves you money because you aren’t wasting money on INTEREST!

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This is a screenshot for one of my December 2015 Credit Card statements. You can see that I had a $1,910 balance.

In this screen shot it shows you that if I would have only paid the Minimum Payment it would have taken me 11 YEARS to pay off that $1,910. PLUS I would have ended up paying at least $4,401 with all the interest included. Even before December 2015, I was paying at least twice on this card. Two times the minimum payment. So about $100 or so a month. But I used the card to buy my kids a new computer for Christmas. Sometime in December, Kevin and I had a heart to heart about our credit card debt. None of it was behind, but I felt like we were suffocating ourselves with the total amount between all of our cards.

So we made a decision to start putting an extra $500 a month towards our highest interest rate card (that would be the account I just showed the screenshot for above). Because of his new job and the increase in pay. Right off the bat, he was making 2.5 times what he made at his previous job. So we have been used to living off of next to nothing. Well we buckled down and paid off $1,500 on that card in just two months. I still have a small balance of around $170 to pay off in the month of April and that card will not be used unless of an emergency.

Now I know a lot of people that cannot afford to drop $500 a month or more on credit card debt. So put as much as you can squeeze out of your “budget” towards paying down your credit card debt. This will also help increase your credit score over time. In just about 3 months, my score went up around 66 points putting me into the “VERY GOOD” Credit rating on Experian’s website.

So putting extra money towards your minimum payment is step #1!

Get a Debt Consolidation/Personal Loan

Now this is something Kevin and I didn’t do. We used our 2015 tax return to pay off a TON of debt (more than $14,000). But when you get a debt consolidation loan, you’re getting one interest rate and only have to make one payment, not many. Plus your revolving debt will be gone and replaced with installment debt. Which basically means that you’re going to have a fixed payment. Your rates can fluctuate with a credit card regardless of your credit scores.

By having a fixed rate you’ll be able to save money on interest. So that means more money will go in your pockets than if you were to pay your cards off slowly over time. Such a win-win, in my opinion.

Take up a Second Job or Find a way to make or save money from home.

If you don’t have the time for a second job (Kevin can’t work a second job because of his travel), then find a way to make money from home or see if you can pick up some extra shifts/hours at work.

If you’re a stay-at-home mom like myself, than I suggest things like selling your crafts on Etsy/eBay, write an e-book and sell it on Kindle Direct Publishing (I’m doing this right now), sell baked goods, go flip thrift store finds on ebay or Etsy; if they are vintage. Refinish furniture, start a pet sitting service. Basically, find something you can do from home that will help you earn a few extra bucks to put towards your credit card payments like listed above.

Clip coupons. By clipping coupons and stacking them with sales, you can get great deals and save tons of money to put towards your debts!

We’re still working towards paying off the last $10,500 of our credit card debt. We’ll get there. Hopefully before the end of 2016. But very soon we won’t be able to dedicate $500 a month paying it all off. Because we’re hopefully going to be homeowners this summer. We’ve already got our pre-approval and are hunting for a home. So keep looking for updates and ideas on how to get rid of your pesky credit card debt.

You could apply two of these tips to towards any type of debt such as car payments, mortgage payments (we’ll be dedicating extra money to our mortgage as soon as we close on a house), etc. Keep an eye out for posts about paying down a mortgage in a shorter period of time than 30 years.

Thanks for stopping by to check out my blog! I really hope that you enjoyed my 3 Easy Ways to Pay off Credit Card Debt tips. If you did, I hope to see you back soon!

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Wedding Anniversary

Yesterday, I was informed that Kevin would be going to Canada from 3/28-4/3. So we get to see him for Easter but won’t get to see him for Ryleigh’s 2nd birthday/ our 5th Wedding Anniversary. This is a really hard pill to swallow because he’s always been around for our anniversary. Not this year.

I was really looking forward to our 5th wedding anniversary. There was some talk of having portraits done, some of just the two of us and some with the kids (since we don’t have any decent family photos).  But that’s not going to happen now, at least not in the near future.

Kevin plans on having a talk with his boss today. Considering the fact that he requested to not be scheduled for anything on 4/1-4/3. In fact, his boss took him off the schedule for a New York City job site, then put him on this one all because Kevin is really good at the mechanical portion of his job, he’s still learning all the computerized and electrical portions of his job. If he’s so good at one portion of his job, but not ready to advance to a tier 3 employee they do offer a $2 increase… so he better be asking about that partial raise. Tier 3 isn’t so far out of reach for him. He just needs a few more months to get it all down. Remembering how to do things is Kevin’s problem. It takes him a little longer to remember things because he’s got horrible memory issues.

I just want to say that I’m extremely thankful that my husband has this job and that he’s willing to make sacrifices to provide for our family. But this was one day I had hoped we’d be able to be together. Instead, I get to celebrate our little girl’s birthday and my anniversary without my other half. It’s going to be extremely hard not to be upset/depressed. But it is what it is, life will go on. He’s doing all this so we can purchase our dream home.

I’m not sure what I’ll be doing on 4/2, but I know whatever it is won’t be with my husband. I’ll be spending it with my little ones. It’s a shame that we had a bunch of different plans for our Wedding Anniversary and the little bit of time we’d have together. Instead, it looks like all our plans have now changed.

Well, I have to go get the dishes and laundry done, then make a shopping list. It’s grocery day! Yay! I get to wrangle children while grocery shopping. Not exactly my favorite thing to do, but it’s my job as a stay-at-home mom. So that’s what I’ll be doing later today.

Hopefully, everyone has a wonderful weekend. I’m going to try. Maybe this weekend Kevin and I will be able to video chat, he was in NYC last weekend working.

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Do you ever wonder how many batteries people go through in a day? A week? A month? A year?

I only wonder because I have 5 kids, myself and my husband to buy batteries for on a regular basis. 90% of my kids toys require batteries, 90% of my camera gear requires either AA batteries, watch batteries or specialty batteries. My kids video games require batteries (controllers or the handheld devices).

I buy batteries like once a week because the kids Xbox 360 controllers are wireless, the Wii remotes require batteries, and I’m not really sure if their PlayStation 4 controllers require batteries or now (I don’t pay enough attention to the video game systems). Not to mention we have 3 cable remotes to put batteries in, plus two camera flashes, two video lights, and a bunch of other stuff (Zachary and Ryleigh toys).

Some days I wish I could buy stock in a battery company! I mean they’re needed for almost everything these days. So it would be a smart thing to buy such a stock, if only I had the money to really invest in stocks. One day we will have the money to do stuff like that, hopefully sooner than later.

Sorry, I just couldn’t help myself. I’ve just been thinking about a ton of things lately and this was one of those things that made me wonder.

So do you ever have those “Do You Ever Wonder” moments? If yes, leave me a comment below with your thoughts on this.

Well it’s way too early to be up on a Saturday morning, it’s only 7:20am. Kevin got up hours ago to get up, dressed, and fed. He took on a weekend job for the extra cash. It sucks he won’t be home on the weekends anymore, but every little bit of money helps us reach our goals even faster. We’re closer and closer to our goal of getting rid of all of our credit card debt. Only 7 months until our anniversary (which is when I planned for us to be out from under our credit card debt). Once all that’s done, hopefully the Mayor of the town my husband’s “house” is in will have sold the house and we can start making more plans for our dream home.

Well I guess I should actually get out of my bed, get dressed, change diapers, and feed kids.

I hope everyone has a wonderful weekend.


Slow Process

I’ve been blogging for about 1/2 a year on this website & just started our YouTube Channel last month. We’ve made a grand total of 3 CENTS on YouTube and absolutely nothing from our ads on our website. But that’s okay… I’d rather we earn at a slow and steady rate than only have one viral video. While the viral video may earn us some cash, the cash flow would be over as fast as it appeared. So I’ll take the slow process of earning money online any day.

It may take us a year to really see any money from YouTube & our blog! But this gives us the time to decide on what we want in our dream home. If we want a new home (custom build) or if we want to just buy an already built home and make it our own. This decision has also been a slow process. Hopefully, soon we can make a decision. But we’re so indecisive with such a huge, life changing decision. So maybe we can figure it out sooner than later.

We also have one last option up our sleeve to help us buy our dream home. Our contract with the commercial realtor is up next month, so we’re going to start contacting home builders so we can sell them the land that Kevin bought 8 years ago this August. They can demolish the home that’s there and build a new one. The water, sewage, and electricity are already run to the property, so they don’t have to do any of that stuff. They’ll just have to do everything else, ha. But we could potentially get rid of this property, make a decent profit, and then turn that money around into a down payment on our dream home.

If we can sell the property by the time the school year starts, we’ll hold off on moving the kids until after the school year is over. Then we’ll just start over…. we just need to decide on what area we want to live in… this too has been a slow process. We keep flipping and flopping on what area we want to raise our kids in. We know that the school’s have to be good. We know that we need to have a little bit of land because of our kids and dog. So we’re leaning towards certain areas over others. But close enough to family that we can still see each other on a somewhat regular basis.

I’ll be editing this past weekends video this evening once Kevin gets home from work, so it will be up tomorrow! I’m going to try and keep our video under 5 minutes, but that may be a little hard, it all depends on what kind of footage I got!

Head on over to our YouTube Channel and subscribe! Then you can keep up with what’s been happening with our family every week!

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