Monday, November 30, 2015


I'm starting to think that I am journaling vs. blogging.  So, I may just end this blog.  I keep thinking I want to move it to something else, but I really think that in the end, I would revert to this.  I would keep going back to emotions vs. writing about what I am doing.  Am I doing a lot these days?  Yes.  I'm a different part of my life now.  And the ol' blog here has fallen to the way side.  I keep thinking of different things I could blog.  I keep thinking I can do this.  But... I don't know that I can, or that I want to.  I don't think that I'm a good writer.  So... I think it may be time to just call it an end.  Will I stay away?  I don't know.  I think I will leave this here for a while to decide.  I also have realized that I need to somehow print these out to keep.  I don't see the point in not printing them.  But, I've tried to print them before to no avail.  If I can, I'll do that.  If not, I will need to retype and print.  Then I will self bind to keep.  I think I want to get all of my old journals and blogs in line.  Because they really have been like my journals. 

Is this goodbye?  For now.  Yes.  Maybe forever.  I'm not sure.  Maybe I'll make a new blog and will really make it have a point and leave out the personal stuff.  I'm not sure.  If I keep this blog or make a new one, I will need fresh direction.  I just don't know right now what I am doing.  So, it's time for a break.  Maybe for the entire month of December.  Maybe at the first of the year, we will see.

Sunday, November 8, 2015


I'm feeling a bit bummed out tonight.  I'm trying to feel a bit perky, but I'm not -- I feel bummed.  I know where it stems from and one part of me is like SHUT IT. The other part is, might as well be real and dump it out.  So... here goes.

We went to a cook out and nobody liked me.  There.  I said it.  As childish as it is, the whole thing bummed me out.  Maybe not for the reasons you might think, though.  Mostly because my husband can't seem to understand why the situation stressed me out.  You see, these are HIS friends.  And in my mind, I don't have to like his friends and he doesn't have to like mine.  We don't have to hang out and do this or that.  They can be his friends.  I don't have to be included.  But... he forces it.  He says I'm silly and seeing things that aren't there.  Fine.  Maybe so.  But I know how I feel and I shouldn't HAVE to go and hang out with his friends.  That is what happened, though.  So, that is what I'm annoyed about.  I knew before going I didn't want to attend, but I went because he wanted me to.  Then everyone starts talking about FB and asking if we had pages.  They all friend requested him, but not me.  How much more clear does he want it that they aren't interested in any kind of friendship or relationship with me?  I told him from this point on, I'm refusing to go.  He can go alone, but I'm not going.  I have no hard feelings with them -- sometimes people just don't click.  I just have no desire to hang out with people who don't like me for whatever reason.

I'm also feeling down about our lack of income.  I told hubby we needed to do SOMETHING.  I'm just not sure what that something is going to end up being.  I just hate being too broke to get anything accomplished.  Like, right now, I have over 30 projects for the house I would like to get done.  But I have no moola.  I am thankful that we are getting by and I shouldn't be complaining.  I'm just trying to adjust.  I'm not use to not being able to go and get what I need/want.  And that is a major thing.  I will adjust.  I have to.  I'm just not a happy camper about it right now.  I guess no one is ever happy about being broke.  And to solve it, I think I need to go back to work.  He cannot do all of the work.  He just can't.  It would be too hard on him.  He says he's fine, but no one feels good having to work through lunch, work past when everyone else has left for home, and work every single Saturday.  And that is where we are.  SO, I am thinking it is time I go back to work.  I'm thinking of looking into overnight work.  I'm a pretty big night person, so I don't think it would be too big of a deal to get a part time job working nights.  Something where I went in at 9 or 10 and got off in the morning.  I've found a few receiver/stocker jobs like that.  I'm sure they don't pay but maybe $8/hr., but if I could work at least 24hrs. per week, I would clear over $600/mo.  Giving us some decent wiggle room until he could find something else. I know I would be tired those days because I would still have to get up with youngest.  But it would only be a few days.  Then I would be on a normal schedule the rest of the week.  Maybe I will apply and just see what happens.  If nothing happens then... it wasn't meant to be. 

We've gone over and over renting out our spare room and we just can't figure out how to make that work anytime soon.  Maybe it could somehow.  I'm  just not sure it would be soon enouh.  But I know we need to do some repairs on that room before we could.  And then what would we do with all of the things in that room and closet?  I know I am working on that.  A large portion is office stuff, memory boxes, and home decor.  I'm working on putting things in their homes and purging what I'm  not using.  It's just slow.  Especially on days like today where I feel testy and angry and bottled up.  I managed to make some small progress.  But it's small and feels bleh. 

So... I'm  not sure the plan.  Maybe tomorrow I will go and get a couple of errands done and see about filling out an application or two.  A lot will depend on the weather.  If it is still pouring the rain, I will probably stay home and read a book.  I may do that anyways.  I just feel bleh.

Tuesday, November 3, 2015


I have very slowly, been trying to get myself back into a good groove.  Not with just one or two things, but with it all.  I'm starting to actually feel like I am making a bit of progress and cutting through my 'To Do' list.  I know I am going to have ups and downs, but it's awesome to feel like I'm making a bit of a dent. 

First, I'm back to blogging here more regularly.  I've decided to post on MFP that I am looking for bloggers to follow.  I hope to find regular people living their lives AND losing weight.  Most of the previous blogs I have followed are gone.  I miss them, but I can't make them continue.  I realize my blog is sorta boring to most people, so I want bloggers who are doing things like I'm doing.  And by that I mean living life in moderation.  At least when it comes to food and exercise!

Anyways, I rejoined MFP.  Even if I end up with no friends and no blog, it's still a great tool to help me track what I am doing.  And realistically, I need to be tracking.  I've done ok at getting back to 'meals' and 'snacks' without munching all day.  I had the hardest time late at night.  I still want a snack at night, but I'm trying to leave a few extra cals throughout the day to have a good sized dessert.  And by that, I mean a full fat dessert.  Like, a big root beer float or something along that lines.  I've found having that to look forward to, really helps out a lot.  I can pass up a lot of junk during the day if I have a good dessert to look forward to! 

I've also been making pretty good progress on the house along with hubby's help.  He got the cat condo done!  So, now the kitty litter is in the garage instead of the rest of the house... which I HATED.  I like having cats, but not their poo in the house!  So, having it in the garage is wonderful.  It isn't as big as the previous one, so I hope that doesn't become an issue.  I want to get THAT into my daily cleaning routine. 

That's another area I've been working on is daily cleaning.  Now that we are making progress with unpacking, projects, and making the house livable, I'm trying to get into routines.  I'm finally getting trash down and dishes.  I'm doing better about dinner.  We are in a pretty good flow with groceries.  I'm even making decent strides on budget. 

I have to say, I really HAD forgotten how hard it was to set all of this back up.  THIS being our lives.  You never really realize how routine and regimented you are until you throw that all out of whack.  And boy, have we been out of whack for MONTHS.  It is getting better, but I'm betting it will be about a year before we truly feel settled in.  Especially with such a tight budget.  We have very little left over to buy the things we need for projects and very little to none for wants.  So, that makes it slow going.  But it is what it is.  And we'll make the best of what we have and where we are.

Right now, our budget is still tight, but we are making it work.  We've got our spending down a lot.  If we HAVE to make anymore cuts, we know where it will be, but I think we are ok for now.  The only area I'm still very unhappy with is our retirement.  Right now, we have nothing left over from each paycheck to put towards retirement.  I did tell the hubby to at least check and see what it would be to at least match the 401k at the new job.  But I think it wasn't even worth it.  I believe he said we would be better off using that money now to get our debt down, then contributing more later. 

Thankfully, our debt isn't bad.  We have the one (new) revolving card that we did have to use to buy a new computer -- two of ours crapped out within days of each other.  Hubby spent HOURS trying to get either or both up to no avail.  The one was just too old.  We've had it for years and it just couldn't do anymore.  The other... no idea.  I'm thinking it was older than we thought and just crapped out.  We got it free, so no great loss.  The other is what we are now calling our 'Moving and Improving' debt.  It is on a card, but we are looking at it more as an equity line of credit since the debt on it is from moving and doing some improving around the house.  Yes, the APR is a bit higher, but not a ton.  And the interest per month is high due to how it is calculated on cards, but we are going to try to knock out about half over the next few months.  Mostly from old accounts being closed and using our rewards.  Also, if we get any kind of tax return.  Once we pay it off, we are closing it.  Although, I guess it will be technically closed out before then because of the company split. But I am estimating one to two years to pay it off.  Considering it is the only debt we have besides our car and home (and I don't expect to ever not have at least one car payment).  And I expect it to be at least 20yrs. to pay off the home loan. But that is just a hope.  If our income doesn't improve, I suspect the majority of our income will be funneled into retirement.  I'm glad we put as much in as we could in the last job.  We have a decent base now that will continue to grow even if we are unable to contribute much to it for the next year.  I hate to miss a year of contribution, but I'm not sure what else to do...

Anyways, we are moving along.  I took a break and came back after finishing the closet.  I added a shelf.  It is adjustable!  So, I was able to get ALL of our clothes and hubby's shoes in there.  I think the shoe armoire for me worked out great.  Hubby doesn't have as many as I do, so we just left his in the closet.  All of mine are on the back of the door or in the armoire, and we are using the drawers under for work clothes.  Proud of myself for putting that shelf up yesterday and the closet thing today!  I got all of the clothes in and organized, too!  :D  I do think that once we figure out temps better down here, I will end up getting rid of more clothes.  I have a few heavier Winter things that I just don't think will get used very often.  I think even if we go to visit in TN, I will be able to layer what I have to get the same effect.  But the heavier knits and things, I just don't think warrant taking up space if they aren't used regularly.  We will see.  I may try the whole turning your hanger thing around.  If you turn them around and don't wear them by a certain time limit, you get rid of them.  I can think of several things right now I know I haven't worn in a while!  Then maybe I'll take just a few of the heavier things and put in bins and donate the rest.  I guess we will see...

Ok, that is enough rambling from me.  After the closet work, I'm a bit hungry and need to switch out the laundry.  OH!  One more thing.  I can't remember if I mentioned this or not before.  But, talking of getting into routine, my oldest has gone back to riding the bus.  Well, I go in the afternoons to meet the bus.  Even if I'm not getting formal exercise (which I did do once last week), that walk is about half a mile round trip.  So, on most weeks I'm getting between 2 to 2.5miles of walking in.  I think that's pretty good!  If I could get into a routine of walking the dogs, then I would get more.  :)

Ok, NOW that is enough.  Until later!

Tuesday, October 27, 2015

Always Thinking

I sometimes wonder if I tend to overthink things.  But at the same time, if I don't worry over it, then who will?

I'm feeling OK about the house recently.  After going back over the previous blog, I felt like instead of not getting anything done, we've actually done quite a bit for the short time we've been here.  I realize I probably could get MORE done.  I should do more.  But I seem stilted by the time.  You see, everyone is up and out the door here by just a little after 7AM.  Then just youngest and I are here with the animals.  Which is good.  But.. since I stay up until like 1AM, I don't get up until 9 or sometimes 10.  And by that point, I'm just in the 'GIVE ME COFFEE NOW' stage.  By the time I make food for us, we eat it, and get rolling, it's nearly noon.  That means I only have a couple of hours before pick-up for oldest.  Now, we HAVE cut out doing the drive.  And while I know it was the preferred method, it was sucking up so much time and gas!  SO. MUCH.  So, it had to be cut.  Just like hubby cut coming home for lunch every day.  He also chose to only take 30mins so he could have a built in 30mins of overtime at work.  That means if he stays over 30 every day, he gets an automatic 5hrs. of overtime.  That little extra helps so much!  Especially since I haven't found a way to bring in any income other than trying to cook more at home.  WHICH, has been going well.  We have also been good about not shopping, not buying frivolously but still having fun, and watching our grocery buys.  Back to my point... *ahem*  I don't feel like I get much done during the day because my time is limited.  It's so weird that we are now on more of a set schedule, but I can't seem to get with it.  I set my clock to get up earlier, but I somehow always sleep through it!  I know that some part of me enjoys the sleeping in and having my quiet time at night.  And I would be fine with that if I got more done during the day!

Like today, I don't feel like I got one quarter of the things I needed to get done, done.  I forgot to start the dishwasher this morning.  So the sink is full.  I did do a couple of loads of laundry, but just realized I never hung it and I need to do that shortly!  I never finished folding that basket of laundry in my room.  UGH.  What I did do was feed us all at home.  Even planned a nice dinner and tried a new recipe (we ALL loved it!).  I finally got my oldest curtains up after much crying, screaming, and cursing.  I hope my youngest was ignoring me!  HA!  I also finished his solar system, complete with clay asteroids for the asteroid belt.  But that was about it.  I also never got the paperwork done.  UGH.  I felt like I spent a large amount of time gathering my supplies and cleaning up.  I don't feel like I got much done in the actual work area.  Isn't that how it always goes?

Anyways, on top of that, I never did any kind of workout.  And I need to be working out.  Because along with the weight gain (around 20lbs.), my attitude has been shitty.  And I know the working out will help with both.  I'm watching my food but not getting nutty.  Just going back to around 1600 cals.  I did think of going extreme to around 1200 to quickly drop the weight and get it over with.  I'm still contemplating that.  And I may do it.  I just haven't decided for sure.  In theory, if I cut it to 1200 per week, I should be able to drop a decent amount of weight.  I just don't know if I can do it.  And right now... right now I'm not feeling strong enough, I don't think.  But I have to get back in gear.  I was down to like.. I can't even remember!  I want to say something like 170.  And I blew it.  I'm never going to see 155 at this rate.  :/  But if I buckled down, I might be able to get close by my birthday.  I will think on it.  I would need to do some major re-arranging in my food. 

Anyways, I'm just feeling like I'm in a rut and I can't put my finger on what is making me feel that way.  But I know I need to do something.  I just don't know what that something is.  Onwards, I guess!

Monday, October 19, 2015

New House

SO, I've gotten side tracked lately talking about finances and getting that priority on track.  Now that it is on track, I thought I would start talking a bit about buying a foreclosure.

While buying it certainly saved us money and got us into a nicer house and area than what we THOUGHT we could do, it has been a monster from DAY 1.  There were tons of issues from the bank to the realtors to the inspections.  Just one hit after another.  And the process took WEEKS.  But we finally got it.  I can go into more detail on that sometime, but not tonight. Tonight, we discuss the nastiness.

The house, while in good shape, had been unused for quite a while so it was FILTHY.  The first two weeks alone were spent just cleaning.  I came over from the rental we had for a week just to clean.  And then even after we got areas ok and moved things in, the second week was more of the same.  I had to vacuum and then scrub and then put down some sort of covering because so much was just destroyed.  It worked out and I got a ton of that done, but unpacking went slowly.  Then we had new carpet installed in the hallway and 3 bedrooms plus the front living room.  Who knew carpet would make such a change?  The first photo is of the hall, but all of the carpet looked like that....

So, we tore all that mess out!  Which also saved us on the new install since they didn't have to charge us for removal and clean up.  However, the company we used was EXCELLENT and took the old bundled carpets with them.  We had cut it in 3ft sections, rolled them up, then taped to make it easy to haul out.

Then they installed the new!  It's a light grayish brown.  I like how it took the bedroom walls from a dark orange to a lighter tan/coral.  It's a warm color, but we are going to treat it as a neutral.

Once that was done, we got some work done in the oldest's bedroom.  The before was just the ugly carpet and plain walls.  Now, he has a solar system room.  We have a few accessories to buy and two floating shelves to install, but other than that it is done with the major stuff like paint and furniture.

His main walls are a pale blue like the sky.  the back wall and part of the ceiling is black like the night sky.  I thought this pic had the furniture in, but it is in.  The stars aren't finished, but they will be soon.  And I need to properly hang his curtains even though all of that will need to be retouched at some point.  The windows are in kinda crappy shape and I will need to do the woodwork outside and some drywall inside.  Eventually.  I would like to do it NOW, but we just don't have the money to do it all.

The other kiddo's bedroom isn't done, yet.  A style has finally been chosen, and the furniture we ordered is now in except for one piece which should be here soon.  I hope to paint that room soon.  We have also started deconstruction on the kiddo's bathroom.  It's awful...

 In case you can't see the yuck, let me describe this for you.  Those are the original 1989 faucets and knobs -- all in shiny gold brass.  What you CAN'T see is the plastic clear handles and the discoloration and that they spit water all over the damn place!  Then the tile... the tile is YELLOW.  Thankfully not harvest gold but a pale yellow that I can live with once I neutralize the rest.  The wallpaper is some sort of tribal pattern in pink and it is MISERABLE to get off.  I've tried every trick, but the paper was stuck to unpainted drywall.  I see a LOT of patching in my future.  So, the plan here isn't simple, but it's not complicated, either.  Since the kids will use this, the plan is to keep what works and that is the vanity.  The only REAL change there will be that I am going to clean them really well and change the knobs.  We've already purchased new faucets also.  The vanity is in great shape, so no need to waste it when I can update it and make it work.  The floors... not so much.  The floors are also a pale yellow, but they have cracked over the 20yrs.  We bought new tile for that, but I have yet to remove the old tile.  That is the plan over the next few weeks.  We COULD keep the toilet, but none of the THREE in this house work well!  So, we have also purchased a new toilet.  I'm keeping the light fixture even if it is considered ugly.  It's the movie make-up ones with all the bulbs.  I am going to give it a spray and change the bulbs to LED.  The color now is brass, I believe.  It will be metallic or white.  Or I may just take the one out of my bathroom as it is already white.  LOL  The walls, once the paper is removed, is going to be bead board painted ultra white.  I'm only doing the wall paper because I don't want to remove bead board in 10 or so years and have to remove wall paper, too!  HA!  The shower is going to stay as it is other than the new faucet and handle.  We MAY get the shower re-epoxied all in white, but we will see.  It's not that big of a deal for me since it's in good shape, ya know?

SO, that is the progress we have made so far.  Not too bad for being in the house only 2mos!  We are going on 3, but still.  We've lost time due to budget and other things.  So to get us back on schedule, I need to be working on all of the demo.  I need to demo the kiddo's bath and the guest bath at some point.  I also need to just keep moving forward.  Although today, all I've managed is to sit here and do this!  But it's sorta been good because it's made me feel like more has been done than I thought.  It makes me realize what a good amount of work has been done even if it didn't feel like it at first.  And that is only counting the things on the inside of the house!  And the rooms that are close to finished or in progress.  That hasn't covered the rooms that have just gotten new furniture.  Or the outside!  We've done quite a bit outside already.  :)  I should take some pics of that.  I have some before.  But that can wait for another post.

Ok, I am off for today.  I need to do a bit of cleaning and some laundry.  Fun fun. 

Update and Plans

So, I know it's time for a little update about what has been going on.  Really, it's late and I should be in bed, but I think I will feel better going ahead and getting this together.  I'm not sure why I blog really, anymore.  It really HAS become an online diary vs. anything useful.  I'm sorry for that.  I'm not sure what to do to change that or how to talk to other people.  All the blogs I loved are gone... all the folks that use to read seem to be gone.  I'm not really sure anyone is reading anymore. I think this is more for my head than anything...

Anyways, after much debate, we traded our car in for one that is 4yrs. newer and had VERY low mileage.  We got a good price for our trade and for the new car.  Our payments didn't go down as much as we had hoped, but they went down about $75 which will be enough.  We LOVE the new little SUV!  It's sporty and fun.  :D

My Mom was annoyed.  But... I can't live financially for what they would do.  We knew we needed to get something else and get our payments down.  We knew that if we were going to do it, might as well make it worth our while.  And we knew that long term, it was something we could live with.  If we had cash to pay the car off, that would be fine, but all we had was what we had -- accounts we weren't willing to touch.  So this was our best option.  And WE are happy with our decision.  I think sometimes my Mom just lives in fear.  Did we add to our debt total?  Yes.  But we lightened our monthly load.  We did get the extended warranty after doing some research and decided it was the best option for us.  Especially if we decide to keep the car for when our oldest learns to drive.  We did decide not to get cash back, though.  That was so we could get the lowest payment, a good warranty, and all of that.  But that does mean that we don't have a payment until Dec.  Which is nice.  And that also means that the money from the payoff that is leftover comes back to us to go to savings/debt.  Plus the money in the old account that we had left for payments will be moved over to savings/debt.  I'm thinking all savings... especially with Christmas right around the bend!  With all of the other adjustments, I'm hoping this means we will be able to pay a bit extra every month on the card.  I am also thinking if we get any taxes back, it will go towards that debt, too.  I would like to pay it off in the next year, but it will probably be longer unless something changes.  If we are able to move the debt, we will have about 18mos. at 0% and that would be great.  But even then, I don't think we can get it paid off.  Maybe 3yrs. 

UGH.  3yrs. is a LONG time to be working on paying off ONE credit card with moving expenses.  Stupid me.  I should've known better.  :/

I guess the only thing we can do now is do it.  We were SO close to being debt free other than home and car.  But nothing to do for it now but pay it, ya know?  It took FOREVER to pay off the one and then we were like woot!  Then this move... I'm not sure why THIS debt bothers me more than anything.  I mean, I know if it were say, a home equity line of credit, I wouldn't feel this way at all.  I think I feel this way simply because of the description of CC.  And right now it hurts because of the interest.  I just need to let it go and get over it and view it as we intended and move on.  If it was anything else, I wouldn't be fretting so I need to just stop it. 

So, that is the gist of what has been going on.  Not much else has been accomplished, but that is just how it is sometimes.  I DO know that the majority of my time is going to start going into knocking out some things around this house.  There is a TON of cleaning and demo and small projects that I could be working on free or cheap.  And that is what I need to focus on now vs. ONE fairly small debt.  Stripping wall paper and pulling out old stuff costs me ZERO.  And it all needs to be done!  And we can't afford a dumpster, so taking it out in small batches that will fit in our can is also budget friendly.  If I can demo it and clean it, then it will be ready to go when we have the cash to do more.  So, that is my goal.  My only goals as far as projects.  Free or cheap. 

I'll talk about that in the next post!  G'night!

Friday, October 16, 2015

Trying to decide

I thought of one more thing to talk about.

I mentioned that I was thinking of trading my car but I hadn't yet.  Here's the thinking.  My car is over 6yrs old, but the trade in value on it is still REALLY good.  We only owe 1/3 of what they offered us for trade.  So, we were thinking it was a better idea to trade than pay off.  Ok, I was thinking that.  Hubby thinks we should drain a few of our accounts and pay it off.  Aka, retirement accounts or HSA accounts.  Uh. NO.  Because then we are out of that money, the interest on that money, and then we STILL have to pay to register said vehicle!  Which is pricey!  So, I'm thinking it is better to use the equity in the car to get something that is a few years newer, still under warranty, and will get us a lower payment. 

Here's the catch -- I'm having a hard time trying to find something decent.  UGH.  I know cars are pricey.  I know I have expensive taste.  But I also know that buying a 'nicer' car pays off in the end.  They tend to have higher trade in later and are in higher demand.  And if you are paying a big down payment, it just makes sense.  Because in a few years when you go to trade again, more than likely you aren't upside down. 

While I am not a fan of debt, realistically, I know that we probably won't ever go without it.  I can't see us ever not having some type of car payment.  I wish that weren't true, but I just don't know how it could be.  You see, I get nervous with older cars.  They just scare me for fear of being torn up.  I'm not sure why that is such a worry for me because heaven knows that new ones can tear up, too!  The thing is, we've gotten great rates and had good down payments, so we haven't been upside down, yet.  It's worked well for us.  So, we haven't really paid a ton to interest or anything.  And right now, if we had the cash, I think I would feel differently about paying off the car and just keeping it.  I know it's a good idea... but we just don't have it without dipping into something else.  I guess we should have paid that off right away.  I just thought that we would be trading anyways so might as well wait.  UGH. 

Now I don't know what to do.  I thought of getting something much smaller but hubby doesn't seem to like going too small.  But I feel like now is a good time.  Kids aren't in any big seats or need strollers.  But they aren't big yet, either so we don't need all of that extra space.  We don't have a lot of friends/family down here, so we don't really need to haul anyone.  It just seems like a good time.... I just can't decide.  I know I need to, though.  We need to cut this last thing soon.  Christmas is already going to be REALLY tight.

Ok, that really is all for now.  I need to get going and do the things that I should be doing to prep for tomorrow.  Although, my brain is running a bit high now so... I don't know.  Video games, maybe?