Lasagna time

Okay so we were going to eat leftovers today but it would of been just enough for dinner. My husband said then we wont have any food for lunch tomorrow.  He is right so here I am saving money making lasagna at home. It feels good knowing I didn't go out and spend money on fast food when I can cook at home.

It has been a while..

Wow. It has been a while. I am still trucking along on my debt journey. I guess I never worked as hard as I should of. Well luckily we never lost our house. We finally paid off my husband's truck but I finally got a new (used) car. Our biggest debts are my school loans. We have about 3,500.00 to be done with my husband's school loans but I  still have so much on mine. I  ended up goung back to school and have a Master's degree now. Our income has gone up dramatically but so has our spending. I have so much more to write but today I just wanted to. Say I am glad to be back.

is foreclosure coming

okay so i finally checked the mail last Sunday and there was a note that since our mortgage is two months late we need to call them immediately to schedule a face to face interview. I did this but they were closed but what really scared me is during the prompts it said you have reached the foreclosure dept...YIKES..well as you can guess my Easter was stressed but i didn't tell my husband. I don't want him to stress cuz he goes crazy...so anyways on the way to school this morning i spoke to somebody and he said that i didn't reach the foreclosure dept but i did show a letter of intent went out on my account. What that means i don't know he said i would have to get my certified letter however i can never make it to my post office which closes at 4:30. so anyways he said i qualify for some special repayment plan. I am stressed and doubting if i want to do this though. i know a friend who did this and that is how they lost their house. I should be able to catch up in my since i have three checks. well either way they are supposed to call me about this program with a specialist and but my account on hold...yippee...if we could just get caught up than it would be wonderful for us to stay up and even send little payments here and there...that is what i have been doing. me and hubby have been brown bagging lunch so whenever we don't eat out i sign onto his old credit card, our schools, or his truck and make an extra payment of what we probably would of spent for lunch that day. You might be wondering why i don't sign onto the house..well since i am behind on the house they have taken my payment option of paying on line away. to me this doesn't make sense since you would want your customers to have every option available to pay don't you think?
here at work it is a wonderful day. I normally have 22 kids here in my pre-k class but i guess everybody was either tired or still out of town from Easter because i only had 9 kids today. WONDERFUL!!!

Finally back

okay so i'm finally back...it's been a long road since i last wrote. I'm still teaching pre-kinder here at a charter school in texas. I must saying teaching my little ones has its good days and bad but overall i LOVE teaching. I would however like to teach kinder. That would be my ideal grade...by the way i know i'm a teacher but please excuse my mis-spellings...i catch myself sometimes writing in text language. so anyways back to my debt. IT'S HORRIBLE..the good thing is we are not adding to debt but we are kind of at a stand still and not getting anywhere. We are still way behind on everything..the house,my husbands truck and school loans are a whole other story. Now my next mission is to just get into a school district. Here in my city school districts start about $11,000.00 more than what i currently make. THAT WOULD BE WONDERFUL...but here you have to know somebody or know somebody who knows somebody to get in so i'm just keeping my fingers crossed. Me and my husband finally had a good talk last friday because i am just so fed up with trying to be the positive one and gosh i feel like i am bumping my head aganist the wall. I want to be able to take my daughter shopping or take off to the theme parks and do these fun things but we can't because NO MONEY!! I know you live and learn...okay so like i said i've just reached my point and i figure a good way for me to be able to relax is get everything out by just blogging all my feelings...FEELING BETTER ALL READY

Depression

well it's been a long time since i've written and things have only gotten worse....i ended up finding a teaching job but not in a school district but a charter school so i'm not making anything close to what i should be making....i did take a pay cut but not enough to feel a difference...well on the other note though my husbands job is not working for us..i mean he is getting a paycheck but it is nothing...
WE ARE NOT MAKING IT...i have already done a voluntary repo on my car so that cleared up 600.00 a month in a way...my parents gave us money to buy a car cash so now i am gonna pay my mom 250.00 a month till it's paid..that won't take long and i should have her paid off by income tax...we are just not making it...i don't know what else to do...
a couple of weeks ago we did some garage sales and luckily made 400.00 or so which helped us greatly with food and catching up on the utility bills etc. we did two garage sales two straight weeks even though in our subdivision your only allowed one every three months...
well like i said i have just been so busy with my new teaching job etc. i also volunteered to head up the cheerleading program here at school so that keeps me busy as well...
i don't know what else to do...we got behind on our light bill so i did a workout program so i just paid that today or else they would cut us off and now i am negative 140.00...than this week i HAVE TO PAY THE HOUSE..i'm so scared we will eventually lose it...we don't even have enough for our basic bills which include, house,cars, light, water, food, gas...the other day my little 4 year old was telling me that she wanted to go buy clothes but i couldn't because i know we don't have money....she needs tennis shoes as well but this past week we just bought my son tennis since he didn't have any only sandals...my husband had found a part time job for after work but that didn't last...i know i can get a part time administrative but than my husband says what about the kids that i will be away from them to much...i'm just so pissed,scared and so much more...i don't know what else to do...i don't have anything else extra to sell...i'm just tired and drained...

well i havent' written in a while..but today i have alot to say...well everyone knows my financial situation and i am living paycheck to paycheck...well i make pretty decent money now but we have alot of bills.
well anyways i am currently in the HR field but i have been trying to get into teaching. I just recently finished my alternative certification and have been looking for an elementary position. You know you always hear that a shortage in teachers exist but for elementary teachers let me tell you that IS SO NOT TRUE...well anyways just recently i got offered a position to be a kinder teacher in a private school. but i was gonna bring down my pay about $6,000.00 a year..that's like 400 month...YIKES...my husband was freaking out because as it is we barely make it happen...but we always make it work somehow i was telling him...this was my one chance...this way i could of gotten my experience and finished my certification...well i didn't have his support so i turned it down...now i am so upset...i mean if i would of gotten into a public school district next year i could of doubled my salary because by that time i would of been certified and had experience....some one please tell me i did the right thing...
i am so upset..

pretty good weekend

well all weekend long i tried not to check my bank account...just because i know i have my house payment to pay these coming up weeks and i was scared to see how much i was short...it usually takes two paychecks for our house payment...well all weekend long we did pretty good...one time we were going to go out to eat but i though wait, i have food at home to make so i did...that's a great change for me...
the one day we did mess up was Friday...we ended up going out to eat after work at a Chinese place and it was like $35.00....uughgh and it wasn't even that good...i felt so guilty afterwards...GOSH I CAN'T EVEN EXPLAIN HOW GUILTY I FELT....
well than yesterday i felt really good...i had the day off of work which i planned for a while to go to a job fair...well i went in the morning and did my thing...well than in the afternoon i decided to pick up my daughter early and still leave the baby with my mom...than i decided i was gonna take my daughter somewhere where she could go swimming...i could of taken her to our local water park but i was thinking gosh if i go than it's gonna be like 24.00 dollars for me and than like 12.00 for her...plus paying for the lockers and than of course swimming always makes you hungry...so i would of ended up spending 50.00 i didn't have...than i started thinking or i could take her to the local pool by my mom's house and it's only .50 cents each....but than in my head i knew how much she loved the water park...
so than i thought why am i being so silly...i can take her to the pool and she will still have a blast...so i took her and guess what ...SHE HAD A BLAST!!!...she loves it when it's just me and her...so we swam and acted silly and the best part is...THEY DON'T CHARGE ANYMORE....so we did all that for FREE...
so here i was going to spend 50.00 that i didn't have and shouldn't spend and i changed my way of thinking...i felt so proud...