New beginnings

So here I am still debt free! I haven’t charged on any credit cards, purchased a new car, or bought a new home. I’m still numb to the fact I’m actually debt free!

I am having all new windows installed in my home today. I’m not putting that on a credit card I have saved the CASH for it. The last thing to urgently replace in my home is the hot water heater. This should be accomplished paying cash in the next 30 days.

The good deeds. Last month I was able to help one of my girls find and purchase a car. I helped in getting the loan so the twins say that will count as my good deed for last month. I need to figure out a way to complete a good deed every month… After reading my year in review horoscope for this year it’s supposed to be a very difficult challenging year and I’m hoping a conscious good deed effort every month might lighten up the blow of a crappy year.

They say all goals are more successfully achieved if written down. Goal #1 build savings account to 10k this year. Goal #2 start a 529 plan for kids, I found out this week this can be passed to blood relatives so I can invest for both Taila and Alexis and if neither use it all I can use it. Perfect! Sold!

But this is where my mind gets going crazy…. Let’s pretend if I didn’t invest in 529 plan and save 10k. Suppose I went back on a beans and rice scrimping from check to check. Let’s say I dumped every single extra penny I could get my hands on, on the house, I really think I could pay my house off in 12 months! 12 I could be 100% debt free and down to just owing yearly taxes on my house. What if I went super gazelle intense and did that?!… This sounds a little nuts crazy but I’m seriously pondering the thought of doing this. I could then save like crazy to fund the girls’ college funds over the next 4 years and they should be set! At which time I could then go crazy on funding my retirement for the next 20 years and still likely have enough to live on in my golden years.

The above paragraph is going to be something I think I sit down and really look at. If after 1 year I could have a “rent or mortgage” payment of $250 month to cover taxes and insurance, I think that would be pretty awesome! Making a thought into a reality is taking a huge step… But in the end if I could save 50k in interest it might be worth it? I wonder how that would compound in retirement?… Hmmmm

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I’m debt free!

I am truly blessed to announce IM Debt FREE! Honestly debt free.  My honda is mine!  I wonder if it will drive different?!  Here’s to completing goal #1 this year!  I still have to complete one good deed this month so one more blog to come this month. I’m excited to see what this year will bring! 

2015 Goals

Well as the first few days have blown by I wanted to take a second to blog..

Of course I’m still listening to Dave Ramsey and I hadn’t really thought about Goals. So here I go… These are this years Goals.

1. I will become debt free except my house. Super goal is to become debt free in the month of January. (I really think this is obtainable)
2. I will try my best to live by this motto I’ve decided “New Beginnings” is my motto this year. I’m going to push myself to stick with not smoking taking better care of me in general and focus on my mind body and soul.
3. I will do one good deed a month and blog it so I stick to it.
4. I will have 10k saved this year.

I’m not going to look at these as resolutions but rather my 2015 Goals! (God willing I can accomplish every single one of these)

2014 coming to a close…

As this year comes to a close I’m reflecting on how this last year has played out. If I recall when I vowed to start writing to keep myself in check I had credit card debt, a Jeep payment and monthly bills with a vacation upcoming. I was looking forward to filing taxes to continue the debt snowball.

Where do I sit today?. I sold the Jeep made it through vacation, made it through the Hess girls graduation and attended an out of state wedding making it another vacation. I paid off all of my little miscellaneous credit card and vowed to not purchase anything on 18 months interest free again.

In selling the Jeep I learned a lot about myself and my character. Having a used car is NOT so bad. I get awesome gas mileage on my little Honda and I’m vowing to not buy another new car unless it’s done so in cash!

Now the downfall… Or the up fall I’m not sure which. I have money in my savings… Finally I have money in my savings… I did however put money on my credit card in November. I caught wind of a phenomenal cruise deal so I offered to book it on my credit card and let members of my family pay me back. I have enough money in my savings to pay in full my car but now that I have a credit card balance I’m holding off. So what is my plan?!

In January I will have enough in savings to pay off both. So I’m setting my goal today that January 17th 2015 in 30 days I will be down to owing money on my house and that’s it! I will need to save like crazy to have spending money on this vacation but I will have all debts paid in full minus my house.

I’m setting my 2015 goal to start a college savings account for my daughter. I don’t want to get overwhelmed goals but I feel they are important. I said I wouldn’t take another vacation until I was debt free or close to it and I stuck to it. Of course the vacation will be paid in full before I go. The other goal I’m pondering is to either A) build a full emergency fund or B) start making additional house payments. I’ll update that in January.

I MISSED OCTOBER?! WHAAAAT? Black Friday IS Next WEEK??????!!!!!!!!!

Ok so last evening having a conversation that started why haven’t you blogged lately? My response…. I did last month. Not the case and to my two followers I’m Sorry! I guess life got in the way. Or maybe I have draft pending somewhere? I’m not sure. So this is where we sit!…. I am officially down to 7k owed on the car. I have saved enough money to pay off the car in full but scared to do so before the holiday hustle and bustle. I’m getting closer to being done around my house. Always seems to be my statement though. HA!

It’s going to be a very merry Christmas in the Kgrove household. (Or so I hope) The girls will not be getting a lot of gifts but instead two gifts. One including an airplane and one a ship.
That’s all I can reveal for now as my darling daughter may start reading my blog! (unlikely but you can’t be to careful)

The basement is officially as finished as it’s going to get for now… Big accomplishment! And I have the trim purchased to finish up the kitchen and living area upstairs. Now I just have to get it installed and Boom! Done remodeling for a while… (Almost) I went to get my niece up today and her bedroom was FREEZING COLD! I walked over to check out the window and I have windows full of frost! So I just called the company who put on my siding a couple of years back to get an estimate to replace some windows. I need to do that and replace the hot water heater still and then I’m done. Really done! (Or so I hope)

So next week is the ever famous Black Friday week… I feel like it’s not as much fun anymore. To much hype and to many people doing it and It angers me that retailers are opening on Thanksgiving. So I think I might sit this one out. At least getting up at the but crack of dawn and shopping. Instead I might just wait after all I don’t really need to fight grandma for that $20 crockpot deal.

So while on the Christmas shopping subject, I’m pretty much done for the people I really want to buy for with the exception of a few. I don’t want to purchase that thingy ma jig that will never get used. Yet, Some people I want to buy for I don’t know what to get them… Maybe It will be the year of gift cards from Kendra. Hmmm

So now to rant about my Dave Ramsey. I’ve felt really good staying on budget (well kinda) lol But now that I’m down to just the car I feel like I’m dragging my feet. My initial goal was to be able to Yell I”M DEBT FREE!!!!!!!! In November One year after starting the program and I can’t do this yet. I mean I have enough funds to do it but then I feel like I won’t have enough to do my holiday stuff so I’m really torn. My car has to be paid in full by March 28th that being said If I keep on a strict budget for Christmas This should be doable for paying my car off in January.

Black Friday Dos And Don’ts

good tips!

The Debt Blog

With Black friday nine nights away, customers are critically evaluating budgets and their holiday shopping lists while perusing programs and the advertisements because of their favorite shops.

1. Cash doesn’t Equal Love. In case you are striving to decrease expenses, or can not locate the loss leader, the finest presents are seldom the ones you purchase at the shopping center, but presents of love, expertise, ability and time. This might incorporate a playlist or a special scrap-book, or a thing you prepare paint or craft. Presents of love plus time that are significant and private will be far more memorable, thus do not shun guarantee coupons for a home cooked meal nights baby sitting oil-change,, garage-cleanup, or doing taxes.

2. Buddy Your chosen Retailers. Many retailers are providing special deals on FB and Twitter. It is advisable to incorporate your preferred shops for your friend listing (at least for for…

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September is much better!

Well I’m doing much better keeping things in line this month. A few factors to consider, I’m getting more used to a food budget increasing. I’m re focused on getting out of debt, and I’m doing better at allocating more payments to debt than just letting money sit in the bank. All in all going very well this month. I now am back down to 10k total debt minus the house. This included house rental, flights, new egress window, and a car rental.

I’m hopeful that in the next couple of months I can still be successful in paying off everything including my car. I really am getting more focused on the Ramsey plan and have even obtained FPU videos again to get myself refocused. I just get scared putting so much of a payment down and having my bank account look so low. I guess I better just dump it on debt so every dollar has a purpose instead of in 10 months wondering why I still have a car payment?!

I’m feeling very energized about my budget this month and have even started adding up my budget for next month. Cancelled a service this month another $6 added to the budget. Bye bye dollar shave club! Momma found the same blades for less online and when $30 in purchase is made it’s free shipping! It’s only a minor difference but it’s a difference!

Basement is still coming along. Alexis’ room has all the drywall in now just finish mudding, put a ceiling fan up and paint! Same goes for the family room downstairs then finish hallway and taila’s room then paint and new carpet! Bam! Done! well closer anyhow.. Then I think I’m taking the basement and putting my little darlings upstairs.

Well I guess that’s my rant for now!