Monday, November 26, 2012

To Debt and Beyond!

I've talked a little bit about our debt in the past.  One of the main reasons we moved in with the grandparents was to reduce our debt. 
We have definitely done that.  We are down to just a few things.
  • Car payment
  • 1 credit card
  • Some over draft fee's
  • 401K loan from my wedding ring
Our goal is to use our tax return to pay almost all of that off.  In just about a year we have virtually wiped out the debt.  Next up we are hoping to get into a ton of debt.  Crazy you may say, and I almost agree with you.
We are hoping to buy a house.  Wait, wait, wait...we need to buy a house.  We can only stay where we are so much longer.  We have worked really hard and I think we deserve to have our own space.  Renting is just so outrageously expensive here.  We are going to buy something somewhere between 1.5-3 hours away.

Buying a house is a huge step.  Its complex, and the information is so confusing.  Here's to hoping we are in our own place in the spring.

Are you a home owner? How was the buying experience?  I'd love to hear about it!

Saturday, November 17, 2012

The unfocused perfectionist.

The title says it all.  I'm feeling, well...unfocused.  I am going to 30 weeks pregnant with my 2nd baby this Monday.  I've done a small amount of writing her since we got pregnant, but much of it has gone unpublished.  If I try to play catch up here, it will end up in another unpublished post.  That's mostly because I'm somewhat of a perfectionist.

I've been working on my placenta encapsulation certification.  I started in back in February or, maybe  March.  It's been slow going.  The first paper took me several hours.  I wanted to get it just right, and I hadn't written a paper in YEARS.  I was rusty.  The second one went a little faster.  Then I got pregnant.  We found out we were expecting right before the peanuts 2nd birthday.  Then I felt miserable...for months.  Nothing whatsoever got done in that time period.  I even got my first placenta the day before the peanuts birthday.  Do you know where it is right now?  In my freezer.  That's right, I've have a frozen placenta in my freezer since June.  My goal is to have the placenta done by the end of the year.  I also had  the goal of finishing the last of the 5 papers done by the end of November.  I think that brings us to today.  Bubbie watched the peanut, so I could work on paper four.  I read some but I didnt get any writing done.  It takes me forever to get into my groove.  Normally by the time that rolls around, my time is over.  Ugh.  Well, I never even got close today.  I have other things on my mind...

Baby.  This baby is constantly in my ribs on the right side.  I'm nowhere near as big as I was with the peanut, and at the 20 weeks scan baby was breech.  We just had a prenatal visit on Tuesday.  The midwife thought baby was head down, but posterior.  I just instinctively feel like baby is not in the optimal position.  It's really starting to bother me.  I'm starting to think about worst case scenarios.    I've been starting to look at spinning babies. I've done 2 of the techniques today, and I think she may be moving around a little more. We'll see I guess.  I'm definitely getting a little obsessive about it.  The midwife talked about doing an ultrasound at the next appointment which will be at 33 weeks.  I'm kind of undecided as to whether or not I like that idea.  I'd like to go to a chiropractor, but I'm not sure we can afford that.  And speaking of finances...

We are closer than ever to paying off all the debt!  I think all we have left is my car, and two or three other things.  90% of what is left will be payed off when we get our taxes back.  It's so nice to have the money come in and not have it already all be spoken for.  We have even managed to keep a very small amount of money in our savings account for the last couple of weeks.  We are getting closer, and closer to our goal of owning a home of our very own.  I can't wait to be in our own space.  I hope its soon.  My mister has been working hard on raising his credit score, and we payed all his debt first.  I probably won't be on the house for a while, as I have no income and a less than stellar credit score.  I got him some books about buying homes at the library today while I was supposed to be working on my paper. 

I guess that's all for now, maybe I should go work on my paper...