Do you really think people can live without credit??

okay so we all know i have gotten myself in a heap of trouble with credit cards and i don't use them anymore but how many of ya'll really believe we can live our lives without credit...i mean eventually once i get my cars and debt paid off i want to have my dream house...that will be my only debt and i would hope to pay it off asap....but wouldn't i need some type of credit again to buy a house or is my house right now enough for them to base it off of??
what do you think? Can we live without our credit history and fico scores?

yup Cash Crate

Okay so today I was working on my Cash Crate account and so far I’ve only been able to do $5.40. I don’t know how so many other people are making $50.00 dollars or so…I do the surveys but many times it tells me that I don’t qualify. I will just keep plugging away and hoping that I can make extra money.
I am sure that many of you know how it is when every penny counts…..
You are right I am going to try to get you to go to Cash Crate through my account but what does it hurt? If you are planning to check them out anyways so you can make a few extra bucks just click on my link and it will take you straight there. Maybe you can make that $50 or $80 bucks that everybody seems to be making and let me know how to do it….than you can get people to go to their link off of your account and you can start making more money….I would love to see numbers of how much money people really make with their surveys…I wonder who is the top money taker??
So here you go: http://cashcrate.com/632514

Finally Friday

goodness gracious it's finally Friday...well i already pulled the half i needed for our mortgage payment next week so that means we are left with $86.00 till next Wednesday...sounds pretty good right?? WRONG....we have a pending gas charge coming through of $60 dollars which means we will be left with $16.00. Than i still need to put gas and by pampers since i never made it to the store the other day to buy them...so now i am down to $0.00....that is if i put like $10.00 of gas...which now a days will get me no where ...we have food at the house so i will be okay with that. we will be living frugal and not going to by extra drinks since we are out...i will make all the those tea bags that i have in the pantry and we will just make do with what we have.....the only thing i will run into is next week when it's time to go back to work and my husband needs more gas money....
okay so when looking at my numbers people keep telling me i need to sell the car....i have no problem with that but i am stuck and maybe someone out there can help me....If i am upside down on the car about $7,000.00 how do i go about selling it?? my credit is so shot that no one will approve me for that $7,000.00 as a signature loan so how can i sell a car that i can't get a tittle for??? please someone help me...especially all you Dave Ramsey fans...i know he says it's easier to owe 7,000.00 than 24,000.00 but no one will approve me for that money and i don't have a way of saving 7,000.00 dollars fast to get the tittle ....how do i get out from being upside down??
as far as my school loans i have sent in to see if i can have a financial hardship forbearance....let's keep our fingers crossed...
my husband stayed for overtime yesterday an extra five hours and i figure if i can stay at least an hour everyday extra OT than i can make an extra 400.00 or so a month...i wish i could stay longer but than i come into the problem of the sitters closing...so i will stay as long as i can until i have to go pick my little princess and prince.....
well this week has been an extremely hard week and i want to thank everyone who helped me through the shock of realizing what my numbers really were...i hope everyone has a wonderful weekend....

Looking for ways to cheer myself up

okay so today i had to think of ways to cheer myself up....as you saw before my numbers not including the mortgage that i owe is $123,636.47.
After all the other bloggers that i read i haven't seen this type of number in their blogs...AND LET ME TELL YOU IT'S NOT SOMETHING I'M PROUD OF....
well anyways i was referring to my spreadsheet of bills and looking at where i used to be...yes if you can believe it i used to have even more debt...i guess i didn't feel it at that time since my husband had a better paying job and we had credit cards i didn't realize the numbers....
when you have credit cards it's easy to go through life without really knowing how in debt you are...you just charge, shop, eat and be merry...until the bills come in.....
well any who....my grand total back on January 19th 2007 was $142,109.96. If you can believe it and now it's hard for me to even believe but that means i have (well my husband too but he doesn't really know much about the bills...just now that we don't have enough money) paid off a grand total amount of $18,473.49 in 17 months.............WOW CAN YOU BELIEVE THAT.....this makes me more determined to just keep chipping away at it....I know I can do it...

a new day

so yesterday was pretty devestating for me...today i'm trying to do better and just take one day at a time...this morning i made breakfast at the house, brought my soda, pulled out the meat for dinner and so no money spent so far, however i do have to stop and buy diapers after work. I'm gonna look in my purse and see if i have any gift cards left.

i want to cry...

okay so today i finally did all the numbers...and not including the house but including every other bill we owe including the cars, school loans and medical bills the grand total of debt we owe is...
$123637.25
SO NOW WHAT DO I DO??? DO WE FILE BANKRUPTCY?? we are barely making enough money to pay our bills....we only have enough money for our house, cars and utilities...there is no money to spare after that.....
my car $ 22968.03
husband's truck 19733.54
signature loan $5761.23
MasterCard 5100.84
visa 6749.94
MasterCard 4000
back child support for hubby 1897.78
hubby's school sallie mae 6371.30
my school sallie mae 50876.75
medical bill 177.84
i want to cry.......

maybe i really have a problem

okay so today i had the day off scheduled for from work. I always take a vacation day on days after Mother's Day and Father's Day since we always are so exhausted from all the family being at our house...well so today i am home and no money...but than i remembered "ah ha"....when my son had his first birthday i had to return some of his clothes that he got as presents since they were too small...at that time i did not do an even exchange since i didn't have time to shop so i just asked for...you guess it...A WONDERFUL STORE CREDIT/GIFT CARD...so I'm here at home thinking i want to buy something...so i loaded up the kids and went to children's place...there i bought my kids some cute little clothes and my daughter some more flip flops (like she doesn't have twenty pair already)..

so this is when it occurred to me....maybe i do have a shopping problem...why couldn't i just stay home and spend nothing???

it's friday

so it's Friday and this weekend is father's day....YIKES.....well this weekend i want to work on my spreadsheet from the end of last year to see how far I have come. Of course before my husband lost his job I had planned to be debt free by the time I was 30. This is obviously not going to happen so I need some type of motivation to at least show me how far I have gotten. I will hopefully be posting my concrete numbers pretty soon.

it's true...

well I got referred to a website from a lady where you can actually pay to do surveys and they really do pay you. It's not much but hey when your crunching numbers like me every little bit helps. I just started yesterday and I already started making a few bucks. Try it...
http://www.cashcrate.com/632514

If you have any questions let me know...

PAY DAY

today is payday...it's time to see how broke i am for this week. I was able to log onto the "ivillage debt support group". Those ladies were wonderful. They were able to give a debt snowball excel worksheet that works fabulous.

Murphy stopped in for a quick vist but i took care of him

So remember the other day I went to Walmart for some necessities and pulled out the gift card. Well last night it was time to do that again. My one year son was sick so I had to stop at the store and get some pedialyte and Tylenol. Since I was trying not to spend any money till the the mortgage went through I was trying to think how I could pay for this stuff as cheaply as possible. Of course these were necessities as any mother would know your kids come first. Than I remembered I had a gift card from babies "r" us. So i stopped by got what i needed and only had to pay $3.63 difference. I was very proud. I am really starting to love this living frugal. I checked this morning and my mortgage went through so I now have $15.00 left until Thursday. Now that I can handle.
Now on the other hand I tried to work out some type of agreement with my visa card but they said since they already helped me in November I would have to wait until November again to be eligible for a program. With this same company for my husband we were able to pay $55.00 dollars a month for his card and they would not raise our interest rate or charge us any late fees. I know it will take me forever but at least it's something. My goal is to buy my dream house or at least the house I want to retire in after we get rid of all of our debt. I am waiting till we pay off both my car and husband's truck and of course all of our credit card debt. Now of course this could be a dream since now mine and my husbands credit scores are shot. I however never have been late on my house so at least that should show good.
So I've been checking on the IRS website and i still haven't seen my stimulus. I was one of those who spent the money before i got it or so i thought i did. I thought i was going to get the direct deposit check until they realized their was a glitch. So now I am paper based and I won't be getting my check until the middle of July. I'm hoping with my stimulus to either buy the kids one of those big water slides or buy them one of those little pools. This will serve as two purposes since my daughters birthday is in August we can use either one of these for her party also. I know it's a good investment. Well today I guess for lunch I will be eating soup for a $1.00 here at work. ONCE AGAIN LIVING FRUGAL....

Well i'ts Monday and I made it through the weekend. Luckily I was able to eat at my parents house on Friday night with the kids since hubby had to work late. Saturday we didn't do much but towards the evening we took the kids to the park so they could let out their energy. Than we had some change so we took the kids to Wendy's to get their .99cents frosties. That is what I love about kids is that they have such simple pleasures. Sunday not much happened either. We just stayed home and than went outside while my husband washed his truck. I had to go to walmart for some pantyhose for work. YES I SAID PANTYHOSE...I KNOW WHAT COMPANY STILL MAKES YOU WEAR PANTYHOSE???....they are so expensive and are only good for like one use maybe two if you are extremely careful not to snag them. Luckily I had a gift card from walmart from Christmas time so I was able to get the pantyhose and some baby wipes for my little one. In a way it is kind of cool living frugal to go to walmart and buy about 10 different items and not have to pay a cent. I just pulled out my gift card. I made sure to take my calculator to make sure I didn't go over my gift card amount. I remember back in the day instead of pulling out gift cards I would just look in my wallet and decide what plastic to pull out. NOW LOOK WHAT KIND OF SITUATION IT GOT ME IN..... I went online this morning to schedule some of my bills for this week and when I went to pay my school loan it said it wasn't due till July. It started to make me wonder if my parents didn't pay a month for me....Unfortunately my dad is a co-signer on one of my students loans. At that time I wasn't worried because my bills were always on time since I was basically living off of credit cards I didn't worry about having enough money after bills to last me for the week. I JUST PULLED OUT THE PLASTIC....I know a while back I was behind on my student loans and since they started calling my dad I did whatever I could to bring it current so it wouldn't affect his credit. I've tried to consolidate my loans so that my dad could be off my loan but unfortunately my credit is already shot so they won't consolidate without a cosigner. ...all right I guess I better get back to work....

I still can't catch up

so yesterday..well actually two weeks ago i was supposed to make the mortgage payment. me and hubby get paid every week so i have to break down all of our bills weekly. well every week there is not enough money so i have to push some things to the next week. even though we are about $50.00 dollars short for our mortgage payment considering what we have in the bank i'm just thinking of different ways to make a quick fifty bucks. On top of that I still have to put gas in my car. so in other wards i'm probably negative about 80.00 dollars...goodness gracious...at least we have food for the weekend...i guess we will just take the kids to the park or something free....