okay so i finally checked the mail last Sunday and there was a note that since our mortgage is two months late we need to call them immediately to schedule a face to face interview. I did this but they were closed but what really scared me is during the prompts it said you have reached the foreclosure dept...YIKES..well as you can guess my Easter was stressed but i didn't tell my husband. I don't want him to stress cuz he goes crazy...so anyways on the way to school this morning i spoke to s... Read Full Story

okay so i'm finally back...it's been a long road since i last wrote. I'm still teaching pre-kinder here at a charter school in texas. I must saying teaching my little ones has its good days and bad but overall i LOVE teaching. I would however like to teach kinder. That would be my ideal grade...by the way i know i'm a teacher but please excuse my mis-spellings...i catch myself sometimes writing in text language. so anyways back to my debt. IT'S HORRIBLE..the good thing is we are not adding t... Read Full Story

well it's been a long time since i've written and things have only gotten worse....i ended up finding a teaching job but not in a school district but a charter school so i'm not making anything close to what i should be making....i did take a pay cut but not enough to feel a difference...well on the other note though my husbands job is not working for us..i mean he is getting a paycheck but it is nothing...WE ARE NOT MAKING IT...i have already done a voluntary repo on my car so that cleared ... Read Full Story

well all weekend long i tried not to check my bank account...just because i know i have my house payment to pay these coming up weeks and i was scared to see how much i was short...it usually takes two paychecks for our house payment...well all weekend long we did pretty good...one time we were going to go out to eat but i though wait, i have food at home to make so i did...that's a great change for me...the one day we did mess up was Friday...we ended up going out to eat after work at a Chi... Read Full Story

okay so remember i was trying to see how long i could keep 25.00...well last post i was down to about 20 or 21 dollars...and wouldn't you know it give it one more day and it's GONE...let me give you a perfect example of what i mean as to why can't i just change my way of thinking:so yesterday we were here at work and remember i said i can eat lunch here for like 2 dollars and eat a full meal. well my co-worker said i feel like going to mall during lunch for some pizza do you want to go??? an... Read Full Story

well that didn't last very long. my so called $25.00 is now $21.00...last night we were at home and my daughter said she was hungry...she wanted waffles but i didn't have any syrup....SO WHO CAN EAT WAFFLES WITHOUT SYRUP...NOT I!!!..so anyways since she has been sick and not really eating the fact that she told me she was hungry i jumped at the chance to feed her...so than she said she wanted a bean and cheese taco from Taco Cabana...so of course when we get there she says she wants a lemona... Read Full Story

okay so lately has everyone else i have been trying to be frugal with my money. I'm lucky that here at my work we get lunches and breakfast for wholesale prices. So for example for lunch time i can eat a complete meal with drink for about $1.75...that's pretty good right...yes,yes i know it would be cheaper if i brought my lunch but honestly once i get home from work than deal with the kids, hubby,housework, i am too damn tired to make a lunch...so anyways the way i see it is that eating lun... Read Full Story

okay so today i'm feeling kind of down in the dumps...me and hubby are fighting over money which i don't know why. i mean if we don't have it we don't have it....so other than that i'm just here at work. i've haven't been doing too much with the debt but i've been just concentrating on the kids. I guess i'm just getting a little depressed that i know when i just enjoy the kids it makes me happy. I'm looking at my check from last week and even though i did some overtime it didn't' really make... Read Full Story

okay so like i said last post, me and my husband have been doing overtime and man i guess that's the ticket. It made about a $300.00 dollar difference. If we can do that at least 3 weeks of the month that would be an extra $900.00. WOULDN'T THAT BE FANTASTIC..... Read Full Story

okay so today i checked online and i should be getting my stimulus within the next couple of weeks...alot of good it does me since it's basically already spent. I will save 500.00 as an emergency cash amount and than the rest needs to go in the bank for a credit card agreement i had settled on. so now it's all gone...just like a puff of smoke....At least i will have that emergency fund...other than that myself and husband having been putting in alot of overtime...i guess we will see this wee... Read Full Story