Keep in mind this must happen or I will become so overly dramatic the world will undoubtedly end. So within the next 11 days we plan on
#1 Completely cleaning the downstairs apartment. Dirty yucky druggy people used to live down there. This includes:
removing all garbage - holy cow is there a lot of garbage.
vacuuming the floors - probably multiple times
shampooing the carpets - I'm interested to see the final color.
scrubbing the walls/baseboards/all surfaces - *whole body shudder*
patching holes
painting
clearing out the basement attachment of crap
pouring concrete slab
building and hanging back door
#2 Moving all of Debbie's things downstairs into newly cleaned and prettified home. This includes:
running phone and cable lines
boxing up and moving all dishes, food, bedroom and bathroom items, dressers, etc.
setting up her computer, tv, etc.
#3 Rearranging our new home. This includes:
moving me and Justin into Debbie's old room - bed, dressers
rearranging the kids' room - take bed out, put bed in, move bed around, shake a hokey pokey or something.
bring everything for Bailee out of storage and set it up in kids' room
put clothes into dressers and hanging in closets
move bookshelves and hutch to new locations in the house - not an easy task.
clear out back room so everything is accessible
buy dishes, silverware, etc. that we need.
put everything in it's proper place in the kitchen - includes dishes, silverware, food, etc.
#4 Because we think we're super human we're going to throw in paint entire upstairs.
#5 June 2nd @5pm - Attend Stephanie's bachelorette party. This puts a hold on house-to-home production.
#6 Get together with Samantha and take maternity photo's
#7 Afternoon of June 5th - Go to doctor's pre-op visit, take hospital tour, meet with anesthesiologist to ready for surgery and Bailee.
#8 June 10th - Attend Kallee's baby shower. Yay for babies!!!!
#9 June 11th - Go to hospital and have a newborn. Bring her home to a home and not just a place where our crap is.
And that about sums up my list of "how to stress yourself out to the point of breaking". A HUMONGOUS thank you to my Mom and sister, Samantha. They have been coming over to help clean the downstairs and thank you, thank you, thank you. 11 days people. This all must happen in 11 days ...or else.
Anyone want to come over and help? I don't have much but I'll make you a cake or brownies or something.
Showing posts with label The Plan. Show all posts
Showing posts with label The Plan. Show all posts
Thursday, May 31, 2012
Tuesday, August 9, 2011
Army National Guard
For some time now Justin has been interested in different forms of the military. After much consideration on both our parts, he has decided to join the Oregon Army National Guard. I am nervous, excited, scared, happy, proud, worried, etc. A whole slew of emotions. He'll leave for basic training sometime early next year. I'll be a single mom during that time. Yikes! He'll be gone for about seven-eight months. Double yikes! We're trying to get pregnant so I may have a baby while he's away. Triple yikes! Okay this is getting scary now.
I'm not looking forward to this being us.
We've decided that this is what's best for our family. Not only do I get to be a stay-at-home Mom which I can't even begin to tell you how excited I am about that!! The biggest seller for me is that we will qualify for a VA home loan. It'll give us many of the things that we've been wanting. This would all be completely out of the question and a home loan is not a good enough reason to do it except that Justin really wants to join and as hard as it is, I support him.
I'm just trying to look at all of the positives.
If I think about the negatives I get really upset and that doesn't help anyone.
Another plus? Those uniforms are sexy as hell. Ohhhhh yeah!! So here's to thinking happy thoughts!
Wednesday, January 26, 2011
New House!
We've been crossing our fingers ...and toes, knees, hands, feet, eyes and even braided my hair. Hoping to get this amazing house. Well, it worked! We got it! I'll post some pictures as soon as I get them. I'm so extremely excited!! I have to give a ginormous thank you to my bosses. They gave us a loan of $2,200 so no one else could snag our dream house. Otherwise we would have had to wait until we got our tax money back and the house could have been snatched up by then. So, THANK YOU RICK AND RENEE!!!! You're the best employers in the whole world!!!
A few little tidbits about our new house. The owner is currently remodeling it. So the inside looks faboosh! While the siding and yard still could use some loving. In the future when the owner has more money he said he will probably remodel the kitchen and bathrooms. Until then they are a little dated but usable and not a problem. It is a 3 bed 2 bath house. Our master bedroom has 2 closets. Can you believe it?! TWO! Those are mine, Justin can have the dresser. :) Quit giving me those dirty looks. I think I've already established that I'm evil. The master bath only has 1 sink. What the french? But tons of counter space. It also has a toilet and standing shower. The other bathroom, located in the hallway, has 2 sinks a bath/shower combo and toilet. This is where the washer/dryer hookups are along with some upper cabinetry for laundry stuff.
There is a hallway linen closet located in between the other two bedrooms. Our master bed is located at the end of this hallway. So bed 1, linen closet, bed 2, master bed. Main bath is across from linen closet. Confused? I'm excited! Attached to our master room is a, what we are calling, master retreat. They are currently building an enclosed porch area. It will be accessible through a glass door in our room or the steps from the backyard. Can you say awesome?! The yards are mossy with big trees and plenty of places to hide fairies, garden gnomes, gargoyles and birdbaths. With planters here and there. I imagine a fairy living in this.
It has a two car garage that we won't be using as a garage. Half will be Justin's workspace, the other half my craft/workspace. There are two storage rooms, one on each side of the garage in the back. A funky narrow hallway goes down the center and leads to nothing. One is used by the owner. The other room will be storage along with the funky hallway. After a new fridge is purchased the old one will go down here as well for extra fridge space.
The living room is a great size. Huge windows have ocean views. One window is a sliding glass door. There is another sliding glass door in the room next to the kitchen. That room will be our dining area. A built in buffet is next to the huge window in the side living room. Debbie's computer will go next to this so she (and anyone else) can play on it and watch the ocean.
I'm going to put a comfy and pretty chair on the opposite side of the computer so I can look at this view. This way I can read, sip coffee/tea, and enjoy our new life. Pretty sweet view out of our front windows huh?
There is a huge deck. Almost completely a wrap around. Justin is already thinking of what kind of barbecue to get.
One of the best parts? We can have pets! That's right folks! Jasper will probably be getting a puppy for Christmas! Or sooner because I'm so freakin' excited to be able to get a pet. But we have to be careful and not take the first puppy we come across. I want one that will fit our family well.
What else...OH! Did I mention this community, Pacific Shores, has it's own private beach park? This is a pic from the advertisement. It's taken from the parking place for the park.
The park is for people and the guests of Pacific Shores and Surfland communities only. No others allowed. Awesome huh?! It has a bench, picnic tables, fireplace, trash can, doggy doodoo bags, cement steps to the sand. Larry, the owner, said you can find moonstones on this beach!
It's kind of weird. This home felt like home the minute we stepped inside. But it's not what I thought I'd end up with. It's next to the beach which was never my first choice in a home. I want country. In a strange way, this house feels country. The community feels safe. It's cozy and quiet. I love it.
We have a meeting tomorrow to sign papers and go over the details like finding out when we can MOVE IN! The remodeling is almost complete so very soon.
EEEK! I can't stop squealing I'm so very excited to live in this enchanted place! It seems like our dreams are finally being realized. What a lucky wonderful life we have. :)
A few little tidbits about our new house. The owner is currently remodeling it. So the inside looks faboosh! While the siding and yard still could use some loving. In the future when the owner has more money he said he will probably remodel the kitchen and bathrooms. Until then they are a little dated but usable and not a problem. It is a 3 bed 2 bath house. Our master bedroom has 2 closets. Can you believe it?! TWO! Those are mine, Justin can have the dresser. :) Quit giving me those dirty looks. I think I've already established that I'm evil. The master bath only has 1 sink. What the french? But tons of counter space. It also has a toilet and standing shower. The other bathroom, located in the hallway, has 2 sinks a bath/shower combo and toilet. This is where the washer/dryer hookups are along with some upper cabinetry for laundry stuff.
There is a hallway linen closet located in between the other two bedrooms. Our master bed is located at the end of this hallway. So bed 1, linen closet, bed 2, master bed. Main bath is across from linen closet. Confused? I'm excited! Attached to our master room is a, what we are calling, master retreat. They are currently building an enclosed porch area. It will be accessible through a glass door in our room or the steps from the backyard. Can you say awesome?! The yards are mossy with big trees and plenty of places to hide fairies, garden gnomes, gargoyles and birdbaths. With planters here and there. I imagine a fairy living in this.
It has a two car garage that we won't be using as a garage. Half will be Justin's workspace, the other half my craft/workspace. There are two storage rooms, one on each side of the garage in the back. A funky narrow hallway goes down the center and leads to nothing. One is used by the owner. The other room will be storage along with the funky hallway. After a new fridge is purchased the old one will go down here as well for extra fridge space.
The living room is a great size. Huge windows have ocean views. One window is a sliding glass door. There is another sliding glass door in the room next to the kitchen. That room will be our dining area. A built in buffet is next to the huge window in the side living room. Debbie's computer will go next to this so she (and anyone else) can play on it and watch the ocean.
I'm going to put a comfy and pretty chair on the opposite side of the computer so I can look at this view. This way I can read, sip coffee/tea, and enjoy our new life. Pretty sweet view out of our front windows huh?There is a huge deck. Almost completely a wrap around. Justin is already thinking of what kind of barbecue to get.
One of the best parts? We can have pets! That's right folks! Jasper will probably be getting a puppy for Christmas! Or sooner because I'm so freakin' excited to be able to get a pet. But we have to be careful and not take the first puppy we come across. I want one that will fit our family well.
What else...OH! Did I mention this community, Pacific Shores, has it's own private beach park? This is a pic from the advertisement. It's taken from the parking place for the park.
The park is for people and the guests of Pacific Shores and Surfland communities only. No others allowed. Awesome huh?! It has a bench, picnic tables, fireplace, trash can, doggy doodoo bags, cement steps to the sand. Larry, the owner, said you can find moonstones on this beach!
It's kind of weird. This home felt like home the minute we stepped inside. But it's not what I thought I'd end up with. It's next to the beach which was never my first choice in a home. I want country. In a strange way, this house feels country. The community feels safe. It's cozy and quiet. I love it.We have a meeting tomorrow to sign papers and go over the details like finding out when we can MOVE IN! The remodeling is almost complete so very soon.
EEEK! I can't stop squealing I'm so very excited to live in this enchanted place! It seems like our dreams are finally being realized. What a lucky wonderful life we have. :)
Monday, March 8, 2010
Bankruptcy
Remember that 5 year plan? Well, we just skipped to year 3.5! Wowza!! We did NOT make this decision lightly either. Believe-you-me I've been struggling with the pros and cons for a while and it is, most definitely, the best option for us. We paid our $200 retainer fee to the lawyer today. This means we stop paying all of the bills we are including in our bankruptcy. Which is EVERYTHING but our car and of course our monthly living bills. I feel like we're breaking the law or something. I have never in my life not paid a bill when it was due. Now we're told by our lawyer not to pay most of them. Ahhhhhh!
Right now we have about $16,500 in debt. That amount is only if we request payoffs and put down the cash now. But as it is, we are barely getting by, making minimum payments. If you factor in crappy minimum payments with our super duper interest rates we are looking at at least $32,000 and 8 years to pay it all off. At least!! Are you kidding me?! Barely scrape by for the next 8 years or so hoping to finally pay off all of our debt? No thank you, I'll take the bankruptcy.
And so there it is. We just went from the first half of year 1 in "the plan" to year 3.5. Our new 5 year plan is:
Year 1- The first half of Year 1 is me staying home for 2 months with our new baby and enjoying it without any worries. Save all extra monies and pay off the lawyer ASAP to finalize the bankruptcy. This should be finished by July, no problem. So really that's the first 1/4 of Year 1.
Year .75-Year 5: Save, save, save and save some more. Since we no longer have outstanding debt to pay, every month I am putting at least $400 into our savings account. This will still give us plenty of money to live comfortably within our means. But not give us enough extra that we regress into our old awful habits of spending money on crap.
By the end of Year 5 we are going to be house hunting damn it. I am fighting tooth and nail for this, I want it so badly I can taste the blood from being vicious! (Ha ha ha, I'm joking about the blood.)
*very deep, deeeeeep sigh*
Even though I feel like we are bad people for filing bankruptcy, I know that this is the best decision for us. I already feel ten times lighter having this stress off us. I didn't even realize how much our financial situation was stressing me out until now. It's like our whole world has changed. Our entire perspective of what we can now accomplish is a complete 180. Starting fresh is a great feeling. I'm looking forward to see our savings account skyrocket! Woohoo woohoo woohooo!!!!
Right now we have about $16,500 in debt. That amount is only if we request payoffs and put down the cash now. But as it is, we are barely getting by, making minimum payments. If you factor in crappy minimum payments with our super duper interest rates we are looking at at least $32,000 and 8 years to pay it all off. At least!! Are you kidding me?! Barely scrape by for the next 8 years or so hoping to finally pay off all of our debt? No thank you, I'll take the bankruptcy.
And so there it is. We just went from the first half of year 1 in "the plan" to year 3.5. Our new 5 year plan is:
Year 1- The first half of Year 1 is me staying home for 2 months with our new baby and enjoying it without any worries. Save all extra monies and pay off the lawyer ASAP to finalize the bankruptcy. This should be finished by July, no problem. So really that's the first 1/4 of Year 1.
Year .75-Year 5: Save, save, save and save some more. Since we no longer have outstanding debt to pay, every month I am putting at least $400 into our savings account. This will still give us plenty of money to live comfortably within our means. But not give us enough extra that we regress into our old awful habits of spending money on crap.
By the end of Year 5 we are going to be house hunting damn it. I am fighting tooth and nail for this, I want it so badly I can taste the blood from being vicious! (Ha ha ha, I'm joking about the blood.)
*very deep, deeeeeep sigh*
Even though I feel like we are bad people for filing bankruptcy, I know that this is the best decision for us. I already feel ten times lighter having this stress off us. I didn't even realize how much our financial situation was stressing me out until now. It's like our whole world has changed. Our entire perspective of what we can now accomplish is a complete 180. Starting fresh is a great feeling. I'm looking forward to see our savings account skyrocket! Woohoo woohoo woohooo!!!!
Saturday, February 6, 2010
Five year plan
Me and Justin have a loose five year plan. I'm happy that for once there is some outline of our future. It's very reasuring.
Year 1- This year our goal is to get our finances stable and get our heads above the water. To do this will not require getting more money, but re-evaluating how we are spending it. We could have so much money if we would just be rational with it and not frivilous. with Jasper right around the corner it is so important for us to get this under control. We're always buying things that we don't need.
Years 2 and 3- Pay off our debt. Sounds easy but I estimate we are going to need 2 years to accomplish this. On top of our credit card bills we have a loan that was the worst mistake EVER and I want gone.
Year 4- With any good luck we will have all debt paid off at this point and only be paying our usual monthly bills. Year 4 will be the year of savings. We will put anything and everything away into our savings account and build it up up up!
Year 5- We continue to save, and start looking at buying a house. When we find one we like, we use the savings as our down payment.
This plan is do-able but it's going to take a lot of discipline and unfortunately, we both have none.
We are really hoping the future pans out as we expect it to. Justin is currently studying to be a parole and probations officer, with straight A's so far I might add!! His schooling will be completed on September 28th, 2011. We are praying around this time, or a few months before then, he will get a job in our area. If this happens, our household income will be about $2000 more a month than it is right now.
We are getting by right now...but just barely. A lot of that has to do with the debt we have. Our credit card/loan payments a month are at least $500. So if you've kept up with my crazy train of thought...
When Justin gets that job next year (the end of year 2) we will have an estimated extra $2000 a month. That should take care of the debt pretty darn fast huh? Then it's save save save until year 5. And thhhheeen...*drumroll please* IT'S HOUSE HUNTING TIME!! Ahh, when that time finally comes I think I'll cry I'm going to be so happy.
Damn that's a lot of hoping, if's, good luck and wishful thinking. Keep your fingers crossed for us please! Toes wouldn't hurt either. Well, it might hurt to cross your toes but if you could try I'll give you a really pretty smile. :)
Year 1- This year our goal is to get our finances stable and get our heads above the water. To do this will not require getting more money, but re-evaluating how we are spending it. We could have so much money if we would just be rational with it and not frivilous. with Jasper right around the corner it is so important for us to get this under control. We're always buying things that we don't need.
Years 2 and 3- Pay off our debt. Sounds easy but I estimate we are going to need 2 years to accomplish this. On top of our credit card bills we have a loan that was the worst mistake EVER and I want gone.
Year 4- With any good luck we will have all debt paid off at this point and only be paying our usual monthly bills. Year 4 will be the year of savings. We will put anything and everything away into our savings account and build it up up up!
Year 5- We continue to save, and start looking at buying a house. When we find one we like, we use the savings as our down payment.
This plan is do-able but it's going to take a lot of discipline and unfortunately, we both have none.
We are really hoping the future pans out as we expect it to. Justin is currently studying to be a parole and probations officer, with straight A's so far I might add!! His schooling will be completed on September 28th, 2011. We are praying around this time, or a few months before then, he will get a job in our area. If this happens, our household income will be about $2000 more a month than it is right now.
We are getting by right now...but just barely. A lot of that has to do with the debt we have. Our credit card/loan payments a month are at least $500. So if you've kept up with my crazy train of thought...
When Justin gets that job next year (the end of year 2) we will have an estimated extra $2000 a month. That should take care of the debt pretty darn fast huh? Then it's save save save until year 5. And thhhheeen...*drumroll please* IT'S HOUSE HUNTING TIME!! Ahh, when that time finally comes I think I'll cry I'm going to be so happy.
Damn that's a lot of hoping, if's, good luck and wishful thinking. Keep your fingers crossed for us please! Toes wouldn't hurt either. Well, it might hurt to cross your toes but if you could try I'll give you a really pretty smile. :)
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