Financial Tracking for the Week of April 5, 2020

Hello!
It has been a LONG while.
I’m not even sure what kept me from posting..
Probably a mix of discouragement, losing motivation, and literally just being so broke that I felt like there was no point in tracking anything – just flying by the seat of my pants and hoping that everything will fall into place.. per usual but more so than usual.

Things sorta have fallen into place (Clearly, since I am still alive and well with a roof over my head and food in the fridge – I am blessed) but sorta hasn’t (I’m still flying by the seat of my pants).

Before I get into the nitty gritty details of my financial situation and update, I want to try this new thing and give my financial hardship to God first.
Maybe this prayer is unnecessary to you. You can definitely skip it.
But maybe you can pray this over for me or pray it for yourself as well if you are struggling right along beside me.

Either way, it’s happening. Let’s pray:

Prayer

Hi God,
I just wanted to first thank you so much for all that you have provided for me recently. My kids and I are healthy and safe. We have a home. We have food. And as silly as it sounds, we have toilet paper. My circumstances could have been far worse when I reflect on the course my life has taken but I am here and, compared to the many directions that my life could have gone, I can see now that this is the best path to be on with everything that’s going on. I am grateful for your divine intervention and protection.
God, I just wanted to pray over my finances. I feel that every time I move one step forward, I am placed in a position to take ten steps back. I pray that no matter where I am, I continue to place my faith in you and your provision. I pray that you will take over my debt and eliminate it. I pray that you will turn my financial struggles into financial blessings. I pray for an overflow of abundance so that, not only am I living comfortably in excess but also be in the position to bless others and honor you.
I pray that you will help me make wise financial choices and help me build healthy money habits. I also pray that you will lead me out of this season of financial uncertainty and hardship. Help me keep my eyes on you and stay faithful to you.

In Jesus’ name I pray,
Amen

God is good. In so many ways ❤

UPDATE

Stocks

Okay, so let me just go on to say that I did a thing.
I invested in stocks.
Wise? Ehhh….

Wise in the sense that I feel like I jumped at a good time while everything was low.
Not wise considering that fact that I don’t have the expendable money to invest.

Objectively wise. Subjectively dumb… or just not the best choice.

But, wise or not, I did learn a handful of things.
Like what dividends are, what diversifying means, some good stocks to get into, how it generally works, etc.

Was it the best time for ME to join personally? No.
But this was such a good learning experience for me that I kind of appreciate this failure.
It’s something I can see myself using to help LEVERAGE my finances in the future.

With that being said, I decided to sell MOST of my shares of the stocks that I invested in.
I’m staying invested in three because they were kind of a hefty investment (for me since I’m poor.. you might think $1,000+ is a hefty investment but for me, 10% of that is more than pushing it).
So I’ll be holding on to them until I know I’m getting a decent return and also for a little more experimental learning curve as well.

I added the total amount of how much I invested and it turned out to be a little over $300.
Keep this number in mind (or don’t..because I’ll be bringing it up anyway.. lol)

Financial Changes + Obstacles

Welp, in the past few weeks, some major financial changes have gone underway. I’m a little sad because it’s just going to make things harder.

For one, my car lease has finally ended! Yay!
But not yay because I decided to purchase it and since my credit score blows, my monthly payment went up… by about $100. (Insert ugly crying here)

That’s the biggest change, really. And because it’s more permanent, it’s the most suckiest.

Obstacles:

1. New debt

With my tax refund money, I’m happy to announce that I used most of it to pay off a debt with a payment plan that was KILLING me. And maybe about half in a couple of others.

The thing about that is..and I’m not sure which is better.. to save yout refund or using it to pay off debt.
Well, in this case, paying the high interest debt is definitely better. But year after year, I always put all my tax returns into my debt.
And I don’t get much left over.

I was catching up with my friend and she said, “Yeah, I put a little bit into my debt but I’m saving most of it and using some of it for a vacation. I’m always going to be in debt so I never put all of my returns into it.”

LIKE WHAT?!
“I’m always going to be in debt.”

GIRL, SAME (seasonally speaking – May God take and release my debt and replace it with financial stability)! So why am I throwing all my money into debt when my income doesn’t even cover my bills so I end up pulling new loans out anyway? In which returns the vicious cycle of not being able to afford the payments…

I don’t know why I didn’t think like her….
There’s always next year…I’m keeping my money this time.. lol

Anyway, point is, I paid off a couple of debts off but I’m in debt to them again. (Insert ugly crying..again). Thankfully, the interest rates are MUCH lower so it is not as back breaking, but I’m not exactly “getting out of debt” like I wanted to for this year either.

2. I had to open a new credit card

My dog got a huge cut on his paw and it required stitches. Didn’t have the cash for it so I had to apply for a credit card. Silver lining: I qualified for $500 and the vet bill was $300 so I was able to take care of my dog. Hopefully, the remaining balance will be enough for the follow-up appointment.

The not so bright side.. I’ve accrued yet another monthly payment to be mindful of.

3. Car registration

At the end of April, I’ll have to fork over about $300 to renew my registration.
I did have that saved and reserved knowing that it was coming. But I ended up spending it. Not for my own pleasure but on necessities.

I’m so broke that I literally can’t even save money for future bills…. haaaa…

4. This pandemic sucks

I am currently undergoing a massive financial cut.
My part-time job was scheduled to close the end of March (owner’s choice).
However, because of Corona, it shut down early.

My ex-husband got laid off so child support has also stopped coming in.

To make up for the difference, I’ve tried applying EVERYWHERE. But no one is hiring. I was welcomed to “apply anyway” though.

My current plan:
Donate plasma (first appointment in forever is scheduled for tomorrow).
Apply to work at Amazon warehouse mid-June.
Why mid-June? Because I worked there last year but hated it so much that I didn’t come back after my lunch break…. so I have to wait a year before I can reapply.

If I hated it so much, why would I reapply? Because the money was decent. And this time, instead of full time hours (four 10-hour shifts), I’ll be going in for part-time hours. Hopefully, it’s less painful when it’s shorter hours (it’s mind-numbingly boring.. I need something that’s challenging and keeps me on my toes). If the hours aren’t what I’m looking for (i.e., if it’s two 10-hour shifts instead of, let’s say, five 4-hour shifts, it won’t work with my schedule), I can try picking up some of their other job positions like being a shopper. My friend does it and enjoys it and says the hours are flexible..so maybe..

But until then, I am banking on my May paycheck (biggest paycheck of the school year because April doesn’t have any extended weekends or breaks), plasma donation, and the stimulus checks.. which even then.. after crunching the numbers, won’t be enough… but hopefully enough until I can get a job from Amazon (prayers please: this is the only job that I can think of that I can work around my non-negotiable, non-flexible schedule as a single mom, student, and “full-time” worker).

Now that we’re all caught up, let’s jump in with the nitty gritty financial stuff.

This Week’s Finances

Friday the 10th:

Rent (They gave us an extension AND a 5% discount! AMEN!): $1300

Capital One CC: $25

Blue Trust Loans: $105 (final payment – may or may not call to defer payment)

Comcast: $116 (technically late.. but also might not pay it anyway for now until stim check arrives)

Advance America: $98

Earnin App: $100 (to read more about what this app is, go here )

Money Tree: $200 – payment has been deferred until May 10th. It is also the second to last payment

Speedy Cash: $86 – Payment has been pushed to April 24th

Saturday 11th:

Vet Bill: Unknown – I know it’s not really a “payment” that’s going out but I wanted to just place it here as my own reminder

WordPress: $96 annual premium plan renewal – this may or may not happen.

Next week’s payments to prep for:

Total Visa CC: $40

Color Street: $10

Disney +: $13

VS Angel Card: $45

Prime: $7

HOW MUCH I NEED THIS WEEK

What I have in my account: -$200 (Insert ugly crying… so much ugly crying)

Cash: coins in a small piggy bank (I’m at a new level of low, y’all.. LOL)

What I need to pay my bills this week: $1,944 (this includes the -$200)

How much I need for next week: $115

What’s coming in:

Estimated paycheck: $1,450
Plasma: $75 (hopefully more because they generally give a little more as a “thank you for coming back!” if it’s been over 6 months since your last donation)
Selling stocks: approximately $300 depending on how much they get sold for.

After seeing the breakdown and doing the math.. what’s coming in is clearly not enough for the bills I have to pay so I will be making phone calls tomorrow to defer payments where I can.

Praying on this stim check to come soon, though. Like real talk.

For an updated list of my debt, go here
If you’d like to help me out financially, you can shop here

As grueling as this process was… I’m so glad I typed everything out. In a strange sense, sharing my finances, as horrible as my income/outgoing ratio is, is both therapeutic and helpful to type it out and talk about it.

Blogging about my finances has given me the space to vent while also organizing and planning – it’s different from just writing it out in my notebook while letting my thoughts get lost in anxiety in it’s cycle of, “How am I going to pay for everything?”

Thank you for reading, encouraging me, and motivating me ❤

This concludes the financial breakdown for the coming week.
I hope you guys are staying well!

See you guys next week!

Singleness is Temporary

I was reading a post in a single moms group about how out of place she felt going somewhere because it was all married couples.

And I just wanted to share a reminder..
Not to be confused with trying to lessen your hurt.. you have every right to feel hurt… but hear me out

For every married couple you envy.. the ones that look so happy… the marriage that you wish you had.. 100% of them are struggling
And 50% of them will probably end up divorced.
And from those 50%, the wife is envious of your singleness

Because while you envy her partnership..that might not even be there.. she envies your freedom.

My hope for you is that you start CELEBRATING your singleness.
There are so many blessings to receive in your singleness that you can’t receive in marriage.

I know it may seem like forever… but girl… singleness is temporary. Unless you are called to it. And if you are called to it.. then you KNOW the blessings that are headed your way.

But let me repeat that. Singleness is temporary. How are you celebrating it?

Enjoy Your Singleness

I just wanted to share my thoughts as a means of encouragement.

But while going on a walk today and listening to a message.. I was pouring my heart out to God saying “when will it be my turn? I’d like to have a partner and someone to show my kids what a Godly marriage looks like.”

And God challenged my desires with this question…Do you really? Do you REALLY want a husband?

Because here’s the thing.
Ever since I left my ex now almost 4 years ago, I have been so happy despite my struggles.

He blessed me so much with amazing friends and opportunities and mended my relationship with my family (DV/abused).

And I was reminded of all the sacrifices and effort it takes to maintain a relationship.
The nuances. The compromise. The considerations. The sacrifices.

And YES! I would love to have a husband.
But right now. No.
Not at all.
I want all the time I want to focus on finishing my degree. Getting a house. Spending time with my kids. Making memories with my friends.
And CONTINUE to enjoy my freedom.

I don’t want to give up what I have now for a husband.

And there would be times when I would feel so frustrated for cutting off guy after guy (because I’m not desperate and not willing to settle) wondering if I’m being too picky or if my standards are unreasonable.

Or even on the flip side.. am I not good enough? Not attractive enough? Not smart enough? For the kind of man I desire?

But God placed a calmness in my heart saying that I’m hidden.

Because he knows I’m not ready. I know I’m not ready. At least not yet. And honestly, I’m not sure if I’ll ever be ready or if I’ll ACTUALLY want to give up my singleness for a husband.

Does a part of me wish it would happen sooner than later? Of course.

But I’m so grateful for the season of being hidden.
It gives me time to spend time with God.
It’s giving me the time I need to prepare and accomplish all the desires that I have in my heart.

I would be miserable if I was in a relationship right now, even if he was my “perfect” guy because right now, I just want and need to be selfish.

So I wanted to share this with you ladies.
If you’re feeling frustrated in your singleness.
If you’re desiring a marriage but its not happening.

You’re probably hidden by God and for good reason.
And while you’re being hidden, He’s orchestrating the most beautiful love story for you.
Something worth being hidden for.

Stay hidden and enjoy this season.
Your marriage is going to be blessed and last a lifetime.
But your singleness won’t. So make the best of it while you can 💕

Financial Tracking for the Week of January 12, 2020 + Life Update

Oh my gerrddd!!
First of all, sorry I didn’t post last week!
It was one heck of a week!

The day after my car accident, my bathroom ceiling started to leak… HEAVILY.
Between making phone calls with the office to get it fixed and making phone calls with the insurance company.. it was just too crazy!

It was also the week I started my classes and resumed work from winter break so it was just overall overwhelming for me.

First of all though.. some PRAISES are due!

My school refund money came through and I received more than I anticipated! I’m not sure how I did my math wrong but when I double checked, everything was accounted for so it was not a mistake!

Second, I received $500 from my friends and family from my GoFundMe campaign and I couldn’t be more grateful for such supportive people in my life!

Third, about a month ago (I had forgotten that I did this), I applied for a COF waiver. It’s essentially a fund for college when you are a resident in Colorado. I had already used mine up for awhile. But recently, I got an email stating that my financial aid is running low. After my Fall 2020 semester, I won’t have any Pell Grants to use. So I panicked and applied for the waiver.

On Thursday, I was notified that my waiver was approved! It will be applied for this Spring semester as well my Fall semester.
So financial aid for Spring 2021, my final semester, is a little iffy – not sure how I will be able to afford it since it is the semester where I will be doing student teaching and we don’t get paid for that but I’m placing that in God’s hands.

For now, I just want to celebrate the fact that I got an additional $1,700 from my COF!

RIGHT in the nick of time as I haven’t been able to drive for Lyft while my car was in the shop getting fixed, that I also did not have to spend a dime on.

GOD IS GOOD!

All that being said, lesson I learned is that I need to CHILL.

God has never steered me wrong so far.

I’ll be put in tough situations but He has always come through for me.
A book I recently read stated that hope means hoping when everything seems hopeless.

I need to keep my hope alive in HIM and worry a lot less.

Anywho, let’s get into the nitty gritty.

Weekly Budget

Monday 13th:

xcel: $205

Capital One CC: $25

Wednesday 15th:

Total Visa CC: $40

student loans: $100

Thursday 16th:

Disney+: $13

Friday 17th:

VS: $45

Car payment: $361

Saturday 18th:

BB: $17

Total due: $716

Major payments coming up the following week:

Lendgreen loan payment: $208

Car insurance: $200

Golden Valley Loan payment: $400

Needed: $808

How much I need this week:

What I have in my account: $452

Cash: $1,200

What I need to pay my bills this week: $264

How much I need for next week (including other bills): $867

So I know some of you guys think I’m crazy but I’m going to try REALLY hard not spend any of my cash.

Reserving it for NEXT MONTH’S rent so that I won’t be behind again.
So driving for Lyft is still very crucial to me.

I also got a SUPER part-time flexible job (like 6 hours a week). It’s a little strenuous putting in the time between school, being a mom, and my day job, but I’m looking forward to it nonetheless.

I’m trying to decide whether or not I should make that income as “unusable” and just cash it in and putting into my envelopes… (or put it towards my bills..to finish my thought because I’m about to go on a tangent).

Which reminds me.
I decided to use the envelope system!

I am using my envelopes as a form to pay my rent on time and save up for different things (my kids’ college tuition, fun, house, emergency, etc.)

Whatever is in my bank account is for paying bills.

Anyway, back to my budgeting. It is a hefty amount that I owe next week but it is also the week that I get my first paycheck from my new job and child support comes in.

I don’t think I necessarily need to drive for Lyft either but I will be.
Goal is to earn $250 next weekend (or more depending on the following week’s bills).

Since I am sort of getting “ahead,” with my bills, I want to start saving an additional $100-$200 from my main income depending on how much I make (I get paid hourly and since I work at elementary school, there are extended weekends to be accounted for).

I also started a home business working with a network marketing company called Color Street and I absolutely LOVE it.

I’m going to make a separate earning page for it soon.

I think I will also start sharing the books I read (52 books in 52 weeks) and use Amazon’s affiliate program to earn an extra income that way as well.

Another WIN for me is that I paid off TWO of my installment loans so far!

So goodbye MoneyTree and Speedy Cash!

I need to update that on “My Debt” page!

I am SO excited that they have been paid off and even though a part of me SOMETIMES gets the itch to borrow again, I refuse to. I just cannot keep living in this vicious cycle of debt and I don’t want to.

It is hard enough as it is without the extra payments.

Right now, I feel like I am still staying “afloat” financially.
But eventually, I would like to get to a place where my extra job, home business, and driving for Lyft not only covers my bills but I will be able to pay off my loan debts.

According to my notes, if I am following the snowball method, Bright Lending would be the first one I’d like to pay off. I called for this month and they deferred the payment of $236.54

I owe a total of 8 payments with that payment but the payoff amount is $483.77
Crazy right?

Those interest rates are RIDICULOUS.

I have a couple other loans that will be paid be off  next month and March per payment schedule so I’m excited for the extra breathing room!

Once those are paid off, Advance America is the next to go using solely my “own money” (income, Color Street, Lyft – whatever it takes).

What I mean by that is at some point, I’ll be getting my tax refund. The only debt I plan on paying off using that money is Golden Valley (large principal + high interest).

After that, I only have my AmerAssist collections payment to worry about but the amount is too large. Even if I could cover it with my tax refund, I’d rather keep my money because (to my knowledge.. I should call and check) it is not accruing interest.

I’d rather keep my money for the summer months that I do not get paid, a required class that I need to take over summer, 2020-2021 winter break, and finally, my 2021 student teaching months and then the next two summers (though I’ll get a tax refund for next year too.. but I’m just planning ahead).

Not to mention whatever is left over after rent and bills to cover with my refund, I’d like to put the rest into my cash envelopes – mostly my house one.

There has been some definite victories over this past week and many more to come.

I just gotta keep my head down and keep grinding.
I think the first six months of this year is going to be HARD.

19 credits, a side job, a home business, this blog, Lyfting, reading 52 books a week, working on my fitness…I’m a little all over the place but they all have rhyme and reason.. a purpose.

I’m excited to work hard and embrace the year of sowing.

Happy New Year to you guys!! ❤

 

Dating Do’s and Don’ts for 2020:

Dating Do’s and Don’ts for 2020:

DON’T get your hopes up.
I know it seems exciting to get to know someone and everything in the beginning gives you butterflies but don’t start wondering if he’s the one or what your first date will be like.

DO takes things at face value. If a behavior or response raises a flag for you (notice I didn’t say RED flag), decide if it’s something you could tolerate.

You are NOT overreacting, being too dramatic, or anything between those lines. You are advocating for YOUR love story. You don’t have to tolerate anything you don’t want.

DO run and end things if you do see a red flag.

DON’T have sex so soon if you are wanting something serious. It works for some people but it doesn’t work for everyone. Sex complicates things. You create a bond that you don’t want to break. If you want a true evaluation of the guy, just don’t do it.

DO have a clear list of your non-negotiables. This means if you see this behavior, you’re done. He’s cut. Thank you, next. You’re not being shallow..you’re not being petty.

Again, you are advocating for yourself and your love story. It doesnt matter what anyone else thinks if you decide to end it with someone who chews with his mouth open habitually.

DO have a clear list of what you look for in a man. Top 5. You can have more but aim for the top 5.
Again, it doesn’t matter if people think your expectations are unreasonable. And? Are they marrying this person? No.
You are.
If your dream man earns 75k a year then bygoneit, find you a 75k+/year earning man.

DO focus on yourself. LOVE yourself first.
If you don’t, does that mean you don’t deserve love from others?
Definitely not. But I can tell you from personal experience that when YOU vibe higher, you attract better men.

DO aim to reflect the qualities on YOUR list.
Are you the person that the person you’re looking for would want to date?

For example, if you want to date a 75k/year earning man, do you think he’ll want to date someone that mismanages her money, spends frivolously, has high debt, and has no financial stability?
Maybe you’re so amazing that he can look past it but most likely not. Eventually the discrepancy in lifestyle and habits will cause problems

DO invest in a man wisely. This is mostly emotionally. Far too often, I see women who get head over heels too fast. And for what?
What has he done to show you that he even deserves your enthusiasm?

Again, this boils down to self-love. Sis, he should be excited that he gets to take YOU out.

DON’T try and win a man over with sex, food, gifts, a home, your hard earned money, homecooked meals, your car, and whatever else you have to offer.
He should be trying to win YOU over. You’re the prize here.
“Then what do I give him?”
YOUR PRESENCE. Your amazing self. Your smile. Your personality. Your ambition. Your stability. Your dreams. Your goals.

You have NO IDEA how VALUABLE those things are.

Im not opposed to giving once in awhile and treating your man out (ONCE exclusivity with the intention of building for a common goal has been made)

But we do it too soon.. creating a freeloader
You want a man with responsibility? Then give him some.

And he’ll either sink or swim. If he sinks. Bye ✌

DO enjoy life. You don’t need a man to start living. I know it’s hard with kids and possibly not a lot of money.
But that doesnt mean you cant have hobbies even in your home.
Even a simple action of putting on face masks, reading a book, setting a goal with a plan to achieve it, etc. can help life your mood.

Find a new hobby. Scrapbooking. Knitting. Take a cooking class. Hike. Collect something. Get into photography. It’s a big world out there.
Lots to explore and do.

When my kids were younger and less independent, we did “easy” things together like arts and crafts. Did I get a “mom” break? Technically no. But I was getting to just ENJOY my time making memories and…. lets be honest, not so pretty art.

But the memories and inside jokes last forever.
ENJOY your life.

DO talk about the hard things first. What is he looking for? What are you looking for?

It’s not going to work if he’s looking to fool around when you’re looking for marriage.

What are his goals and ambitions?

Is it to start up his own company, planting him firmly local?

And yours is to travel?

What if your goal is to create healthy money habits but he doesn’t care about spending money whenever he wants?

I’m not saying it’s impossible and that it can’t happen. But alignment matters.

And last but not least. DON’T worry.
You’re amazing. And whether or not a man is involved, you’re going to live a beautiful life.

Financial Tracking for the Week of December 29, 2019

Welp.
At this rate, I’m ready to throw in the towel.
Yesterday afternoon, I got into a car accident.
Thankfully, I am okay. The other driver is okay. And I am not at fault.

However, as many of you guys know, I drive for Lyft to make ends meet.
My paycheck barely covers rent alone so I heavily rely on Lyft to pay my bills and anything else that I might need.

Right now, I have $200 in my account.

This coming week is the hard week with my rent being due.
I guess there’s no point in delaying.. let’s see how things will look for me financially..

Weekly Budget

Monday 30th:

Xcel bill: $154 ( because it did not process over the weekend)

AmerAssist: $150 (because it did not process over the weekend)

SmartCredit: $100

Wednesday January 1st:

Comcast: $100

YouTube: $8

Friday 3rd:

Rent: $1200

How much I need this week:

What I have in my account:
$200

Cash:
$69 (That I am going to reserve for gas and groceries)

Credit Card #1: $20

Credit Card #2: $15

(also reserving for gas and groceries)

Food Stamp: renewed balance of $20 on the 1st of January

I set up a GoFundMe page to try and get help to hold me over for the month and so far, the balance on there is $30

What I need to get by (excluding rent and gofundme):

$312

I excluded rent because I think that as long as I have $100 in there, it will still process.
It just means not having enough money for my bills and loan payments on the 10th when I get paid because I’m only getting paid for 88 hours…

Not sure how this is going to pan out…

Here to riding life on the seat of our pants.
Cheers!

 

Financial Tracking for the Week of December 22, 2019

Oii.
What a week.

I’m tired. I’m exhausted. I want to rest.

Another week of bills that I can’t afford to pay.
Not to mention not having enough for groceries and food for my dog.

The Gist

Despite the downward spiral of things, a friend of mine gave me a $100. Another friend gave me a gift card for $25.

I think I’m going to use the $25 for gas and use some of that $100 for groceries and other things I need.

The rest will be deposited into my bank for bills.

Another thing I am relieved about is my Golden Valley Lending payment has been pushed back to the 10th of January. And I am SO glad. It was a $400 payment.

Let’s roll up sleeves and get into it.

Weekly Budget:

Sunday 22nd:

Movie Club: $10

Monday 23rd:

Lendgreen: $208

Amazon Prime: $7

Best Buy: $28

Tuesday 24th:

Geico: $200

Friday 27th:

Xcel: $154

Saturday 28th:

AmerAssist: $150

Money I should save up for the following week:

SmartCredit: $100
Rent: Have around $300-400 in account

Total outgoing (not including the following week):

$757

What I have in my account:

$40

Incoming:

+$667

How much I need:

$90

Summary

In retrospect, this isn’t as bad as things appear to be.

But when you are worn out and fighting depression, it just feels like a mountain to climb.

I am hoping child support will come in on Tuesday. That should cover the bigger bills (Lendgreen and car insurance) and give me around $200 until Friday rolls around.

As I am typing this, it is nearly 7:00 P.M.

After a quick dinner (cereal) and a little down time and filling in my to-do list and calendar, I will be driving for Lyft to get going on that $90 (plus more in preparation for the following week).

I am looking forward to my financial aid reimbursement in January to help with the living expenses.. even more so with the tax refund.

Credit Score

So I’ve hit a snag with my credit score. It SHOULD HAVE been 630 by now.
But I did open a new credit card and spent more than I intended (still under balance though). But I think it messed with my debt ratio.

I also tried to refinance my Golden Valley Lending payments and I think they check your credit score for it so that’s another hit.

I’m brought down to 595.

So what I’ve learned from this mistake is…put all my payments towards my loan payments first and worry about raising my credit score second.

The money I put towards my credit cards could have gone towards my personal loans which means lowering my payments or at least keeping up with it.

My credit score would have been left alone at 612. Lesson learned.

House Update

Because my income is so low as well as having so much debt that I’m hauling around, my mortgage lender gave me two choices:

1. Co-sign with my mom and see what I have to work with

2. Wait until I finish school in 2021 and get a loan for potentially 250k.

I decided to wait. I’m already cracking under the pressures of my debt.
And waiting until 2021 gives me a little bit more stretch of a time to get my debt under control and raise my credit score.

I don’t know what it is about blogging my financial journey but it somehow brings me peace.

I think just seeing it all broken down and sharing my plan of action calms my anxiety and motivates me to keep going.

Welp, I will see you guys next week!