tag:blogger.com,1999:blog-28874210780189174202024-03-14T10:53:27.052-07:00The Debt ChroniclesSunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.comBlogger426125tag:blogger.com,1999:blog-2887421078018917420.post-6331381321879948712015-11-18T21:09:00.001-08:002015-11-18T21:09:23.790-08:00Life UpdateWell hello there! How is everyone doing in the blogosphere? Quick life update - I have been at my "new" job for about eight months now (it is SO much better than my previous gig), have been married for a year and a half, and have owned our house for just over a year (got a new roof recently - that deserves its own post). We have a new puppy, and baby plans for next year! Time is flying.<br />
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I have lots of money related things I'd like to write about, including the aforementioned roof/other house related things, and our impending duplex purchase (to serve as a rental and a home for a relative). The latter is a terrifying thing that I'm still biting my knuckles over. Who out there has purchased an investment property duplex and how did that turn out for you?<br />
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I hope to get back to regularly writing... miss this blog, and all of you!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com7tag:blogger.com,1999:blog-2887421078018917420.post-86352787535137773542014-08-03T20:49:00.002-07:002014-08-03T20:49:46.045-07:00In EscrowThe wedding was amazing! I hope to post one or two pics (with blurred faces ;)) once the photographer gives her set to us. I had hoped to get some time to relax, but we plunged headlong into the house search again (the housing market in our area is really tight) and found something... but it's verging on a fixer-upper and we had initially promised ourselves we wouldn't go for that.<br />
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We had the inspection over the weekend and discovered some good, some bad -<br />
<ol>
<li>Sewer is a-ok</li>
<li>Roof needs to be replaced (not a surprise)</li>
<li>Garage was shoddily constructed </li>
<li>The additions are likely not permitted</li>
</ol>
This is not a comprehensive list above, obviously. This house can't really be called a fixer-upper, but it definitely hasn't been upgraded. Price is good for the area though.<br />
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Who out there has dealt with a real fixer-upper and what has your experience been? What about those who have purchased a house with unpermitted additions? Not a big deal?<br />
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In any event, this is an exciting time in my and H's life!! :)Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com9tag:blogger.com,1999:blog-2887421078018917420.post-33383452000088729272014-05-22T00:32:00.001-07:002014-05-22T00:32:10.258-07:00Wedding BellsA long overdue update - I'm getting married (to H), paying off my credit card debt in full, and buying a house! WOW... how different things can be in two years time. That's all I'll say for now - I feel like life has been moving at warp speed. But enjoying every moment of it! :)Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com6tag:blogger.com,1999:blog-2887421078018917420.post-6470168507273984932013-11-08T10:26:00.000-08:002013-11-08T10:37:23.804-08:00Last Year of My 20sI'm turning 30 this year. I'm excited for everything yet to come - the small things: birthday party, new friends, spending more time with old friends, trips; and the big things: new job (or renewed commitment to my current job), engagement, marriage, new house, kids. I'm trying not to feel incredibly impatient for this year to end, but it's proving difficult. I feel like after this year I can put a lot of unhappiness firmly behind me (fresh start!). I'm feeling very optimistic and bright-eyed about the future. <br />
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I'm still hopeful I can have $5k saved up by the end of the year (at least). I'm going on an eBay blitz today, and possibly a Facebook one as well - selling whatever I can. The goal is to get to 10k, and then throw everything extra at my credit cards. I know that's not an approach everyone can get behind, but I want a peace of mind cushion. I think both my and H's jobs are stable, but you never know.<br />
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It's hard for me to find time for this blog. I feel like I have very little time as it is, and sometimes everything I want to get done overwhelms me (that's when I need to plop myself in front of the tv and watch something mindless!). But I do think this blog keeps me on track and keeps me honest, so I'll try to put the effort in to keep it going. That may still mean posts every couple months, but better than nothing! Thanks again for coming along on my journey... I'm happy to see so many of you still around after all these years. :)Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com6tag:blogger.com,1999:blog-2887421078018917420.post-43507400261489584592013-07-25T20:41:00.000-07:002013-07-25T20:41:06.173-07:00Saving I'm back! Again. Sorry for the long silences. Work is crazy, I moved, I vacationed... life stuff.<br />
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In the next four months, I'd like to get my savings up to $5,000. Realistic? I don't know. The commission part of my job is a fickle thing - but I'll try my hardest. :) I'll also be visiting the UK this Christmas - meeting the final parts of H's family. Excited!<br />
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It's been a rollercoaster at work the past couple months- but I'm currently feeling optimistic about everything. Yay!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com1tag:blogger.com,1999:blog-2887421078018917420.post-57231001985273976342013-04-19T12:12:00.002-07:002013-04-19T12:12:49.879-07:00Another UpdateI promise I'll get back to posting more regularly. I should be moved into my new place with H by the end of July, and then things won't be so hectic and out of sorts.<br />
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H and I have been back together for almost 4 months. We're talking about marriage, kids, the whole deal. He says he's 100% in this, and I've finally started to believe him. I'm moving towards a solid home life with the person I love, and that's very, very exciting.<br />
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I'm hopeful that getting the new place and feeling more settled will get me back on track in the finances department. He and I have also talked about setting up a household budget, saving, all of that. Separately, I just need to become more vigilant about my credit card debt. Stay tuned.<br />
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How is life out in the blogosphere?Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com2tag:blogger.com,1999:blog-2887421078018917420.post-37300657997871150872013-01-26T15:02:00.001-08:002014-05-22T00:42:59.054-07:00Back AgainHey guys! I'm alive! :)<br />
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I am:<br />
<ul>
<li>still living with a bunch of roommates</li>
<li>still at my (not so new) job</li>
<li>apparently getting back together with H (He approached me at the beginning of the year and told me he made a mistake... Re-starting things slowly and seeing where it takes us)</li>
</ul>
Stay tuned! I'm going to do my taxes and then getting back on the budgeting train.<br />
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Much love to everyone still reading. Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com91tag:blogger.com,1999:blog-2887421078018917420.post-8086148602706598582012-08-03T19:10:00.001-07:002012-08-03T19:18:23.792-07:00Checking InThis has been the craziest two years of my life... ever. I'm single once again, living in a house shared with two others (with all my stuff mostly still packed and stored in the downstairs bedroom), two months into my new job. I'm having a bit of an "existential crisis" right now (labeled thusly by M), but I'm trying to be strong and happy and secure. In all honesty, I <i>really</i> miss H and our lovely home... :(<br />
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My finances, like my life, are kind of all over the place right now. I should be getting the security deposit back from the old place pretty soon. Once that comes in and my life has (hopefully) returned to normal, I'll do a status update on my debt.<br />
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Hope everyone is well! Thanks to all my followers for sticking around!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com126tag:blogger.com,1999:blog-2887421078018917420.post-79331130427971458592012-05-16T15:06:00.001-07:002012-05-17T13:17:03.646-07:00Vacation Time!I feel totally rundown from training the new guy for the past week... I have a bit of a groggy throat, but I'm really, <i>really</i> hoping I'm not coming down with anything. I'm going to spend some time resting and reading today, but then have a ton of stuff on my to-do list... We have a wedding this weekend, and friends coming to stay with us. And I need to get myself mentally and physically prepared for the new job! Less than a week to go.<br />
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1) <strike>Finish The Hunger Games.</strike> Done! Try to find time to read something else too, maybe at the beach.<br />
2) Get some tanning in at the beach.<br />
3) Buy some new work clothes (unfortunately, everyone at my new job is very smartly dressed... I'll need at least one suit and one blouse. Looking for these at bargain prices!)<br />
4) Clean the house.<br />
5) Organize the closet/bookcase/bedroom.<br />
6) Sell and/or return anything I can.<br />
7) Do all the laundry.<br />
<strike>8) Get eyebrows done.</strike> Done!<br />
<strike>9) Get a pedicure.</strike> Done!<br />
10) Get a haircut.Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com8tag:blogger.com,1999:blog-2887421078018917420.post-57778755421323190462012-05-08T19:25:00.004-07:002012-05-16T14:56:24.520-07:00Thanks...for the comments. I've decided to take down the post.<br />
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I did want to address one of the comments (fyi, I have them hidden). Someone said I'm "not getting any younger." I have a couple years to go before I hit 30. I'm not old. Even if this relationship doesn't go anywhere, I'll still be happy it existed. I don't consider any relationship I've been in "a waste of time." That would be a sad way to live your life.Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.comtag:blogger.com,1999:blog-2887421078018917420.post-89648913415374130842012-05-03T19:22:00.003-07:002012-05-03T19:30:49.888-07:00New Job!I went with option #1 from my previous post. Just to clarify, this is a job in the legal industry. The majority of my co-workers are lawyers. It's just not a job at a law firm.<br />
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I negotiated for the first time in regards to my salary. They <i>really</i> lowballed me initially, but I don't think it was intentional, I think it was them being scatterbrained.<br />
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I'll be getting:<br />
<ul>
<li>$6k more (which translates to approximately $280/mo) </li>
<li>Commission</li>
<li>Fully paid health benefits</li>
<li>401k with matching</li>
<li>4 weeks PTO </li>
</ul>
I'll be back in a skyscraper. I'll have to start dressing in suits again. I like the owners, but I'm not sure about some of my other co-workers.<br />
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To be totally honest? I'm scared and a little sad. I've bitched and moaned about my current job, but I have really lovely co-workers, and I'll miss them. Also, I knew my job like the back of my hand. That's all about to change.<br />
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As far as taking the bar... I haven't decided yet. I'll make up my mind in the next week.<br />
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But for right now - I'm breaking out the champagne. :)Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com9tag:blogger.com,1999:blog-2887421078018917420.post-17632390074931825072012-04-25T17:50:00.001-07:002012-04-25T17:52:32.647-07:00I Love OptionsFirst, can I just say... the new blogger layout makes me nervous? I'm sure I'll get used to it, but I'm about to make a life change, and there's only so much change I can handle! :P<br />
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On to the options. Option #1 - I interviewed for a job today. It's interesting, and may allow me to jump into the video game industry. I'm pretty sure it's in the bag, I just to have come back for shadowing and then to discuss pay. It has better benefits than what I have currently - just medical v. medical, dental, vision, 401k - and will likely pay between $5k-12k more, plus commissions. It's basically the same commute I have now.<br />
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Option #2 - 50 miles away. I have a friend vouching for me, so almost certain I'll get the interview. This would mean $20-30k more, plus yearly bonuses which are sizeable. Full benefits. Autonomy. Fun job. BUT... 50 miles. Broached this with H and he was very sad, but didn't point blank say "I don't want you to go." He recognized that I've been looking for a long time, without interviews (this conversation obviously took place before I got the interview for #1). Said he needed to "think about it."<br />
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Option #3 - Government interview. Very hands-on, think Law & Order. Pay will be either nothing or very small. But once I pass the bar, can likely immediately get hired as an attorney here.<br />
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So obviously, #1 is the only sure one currently on the table. Hopefully I can get these other interviews set up before I have to make my decision.Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com3tag:blogger.com,1999:blog-2887421078018917420.post-17531587306562197002012-04-13T20:11:00.002-07:002012-04-13T20:16:40.102-07:00New Credit ScoreMy current credit score is... 652! According to Credit Karma, my credit rating is "fair."<br /><br />3 years ago I had a score above 700. I'm slowly making my way toward that number again. No mistakes this time.Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com5tag:blogger.com,1999:blog-2887421078018917420.post-751912918068966332012-03-31T15:22:00.002-07:002012-03-31T15:45:36.761-07:00I can't believe it's already AprilTime flies.<br /><br />Life right now is consumed with trying to find a new job with a higher salary. I'm on the verge of wiping out my savings to take an in-person bar class, and I'm terrified to do it without more money coming in. I didn't take the bar in February, and am trying to decide whether or not I can go it on my own or if I should pay nearly $4k to be in a classroom every night. The former hasn't worked so well in the past.<br /><br />Our lease is expiring in a month, and we're going month-to-month from there on out. H and I are "thinking things through" in regards to what we eventually want to do. What that basically means is that we're deciding if we're ready to take the next step (moving into a new place together <span style="font-style: italic;">not</span> on a whim, which H considers a "total commitment"). I think we'll have everything figured out in a few months, but the insecure living situation is causing me a little bit of stress.<br /><br />It's amazing that I've let the bar hang over my head for this long. That I didn't take the class and pass it right out of law school was one of the worst decisions of my life!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com3tag:blogger.com,1999:blog-2887421078018917420.post-59394999783336023492012-03-31T14:29:00.004-07:002012-03-31T14:52:57.725-07:00Debt RoundupMy current credit card totals --<br /><br />Store Card #1: $1500<br />MC: $6637<br />Bofa #1: $4775<br />Bofa #2: $4400<br />Bloomies: $740<br />Capital One: $1756<br /><br />Total = $19,808<br />Beginning Balance = $22,355<br />Previous Balance = $20,754<br />Total Paid = $2,547<br /><br />Paid down 2% of my debt in the past month! Yay. :)Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com1tag:blogger.com,1999:blog-2887421078018917420.post-61902881551506340022012-03-05T19:41:00.006-08:002012-03-06T20:45:10.644-08:00Buying a HouseH wants to move closer to his work in the coming months. Depending on how close we get, it'll add 1-4 miles for me, which could mean the same commute up to 25 minutes more (obviously I'd be pulling for not increasing my commute; I'm also looking for jobs in that area). [Edit in response to comment: The freeway up there has some ugly traffic, which is why 1-4 miles could mean an extra 25 minutes, but it's possible I could avoid it by leaving the house/coming back at a particular time] Our lease expires in May, and the landlord has agreed to let us go month to month.<br /><br />H's mom has offered to give him a lump sum to purchase a house. Neither of us is exactly sure how much that will be, but probably between $200-300k.<br /><br />He has no credit and no debt. I personally think he should only spend whatever his mom gives him, and not take out a mortgage (with no credit, I don't even know if he could?). Where he works is a fairly cheap part of SoCal, so I think it will be doable. He's leaning toward a house, and I think he'd like to stay in it for maybe 5 years (I don't know what will happen in those 5 years, but it's probably still pre-kids age for both of us). But he doesn't seem to want to talk or think about the whole process, he just wants it to magically happen. I've sent him some Redfin links, but otherwise I know very little about what's the best course of action. Find a realtor? Stick with Redfin?<br /><br />There are a lot of things going on for me from May-July, so my main concern is that our living situation is stable during that period. That would either mean leaving at the beginning of May, right when the lease expires, or doing month to month until August. I know he really hates his commute, but I also don't want him to rush into buying something just to quickly fix that issue.<br /><br />Any advice?Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com9tag:blogger.com,1999:blog-2887421078018917420.post-5866039391369017132012-03-01T14:33:00.001-08:002012-03-01T14:33:12.457-08:00Debt Owed to MI was asked in the comments about my current relationship with M (my ex, who I was with for six years). We're still very good friends, I'm happy to say. He's doing well; trying lots of new things.<br /><br />I still owe him a lot of money, which I've finally started tackling.<br /><br />I owe him $26,554 and have paid him back $5,700, leaving a total balance of $20,854. I'm paying him $100 per month for now. At that rate, it would take me 17 years to pay him back <span style="font-style: italic;">(damn, did I do that math right? argh)</span>. Obviously I want to increase that amount, and will do so as soon as I get a better job.<br /><br />I also owe him $5,000 for a car he purchased for my mother. I'm hoping one day she can help pay some of that back.<br /><br />I have a long way to go... It's overwhelming sometimes. But I'm trying to think positive.Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com3tag:blogger.com,1999:blog-2887421078018917420.post-25708773671422657762012-02-12T12:17:00.000-08:002012-02-12T12:45:51.235-08:00Ha!I was going through my posts from the past year, and decided to read my <a href="http://chroniclesofdebt.blogspot.com/2011/04/im-risk-taker.html">comments from April</a>, the month I decided to move in with H.<br /><br />Just wanted to officially point out to everyone that despite moving in with H two months after meeting him, I have proved that <span style="font-style: italic;">I'm not insane</span> and <span style="font-style: italic;">I did not make a bad financial decision</span> (I'm currently paying $877.50/mo less than I was living with my mother). I'm happy and feel extremely lucky.<br /><br />Also, to the commenter who said that being financially insecure is what I get for not passing the bar and getting the "high paying lawyer job"? You clearly don't know a damn thing about the legal industry. I'm currently getting paid more than some of my former classmates. I could easily get a place on my own, and I could easily have gotten a place on my own last year. The only reason I decided to move into a place with my mother (where I PAID $6000 UP FRONT, while she paid nothing) was for the companionship.<br /><br />I think I'm a fairly good judge of character; I felt a connection with H, and I trusted him. But yes, I was still taking a risk. I wouldn't recommend that other people do what I did. Regardless, the people who were really judgmental and basically telling me I was an idiot? I'm giving you the middle finger. And to the people that had some sensitivity and gave me constructive criticism? I appreciate it, despite not following your advice.Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com7tag:blogger.com,1999:blog-2887421078018917420.post-18088842680908556682012-02-10T19:16:00.000-08:002012-02-12T12:43:40.644-08:00Valentine's Day for the HatersSo H has let it be known that he hates Valentine's Day. Apparently he had a lot of bad experiences as a kid that have shaped how he feels about it as an adult. I, on the other hand, have always been in love with V-Day, primarily thanks to my mom and experiences at school. I had so much fun handing out valentines to my classmates! And my mom always had chocolate and little presents waiting for me when I got home. (I already received my V-Day presents from her in the mail; a delivery of chocolate covered strawberries and cheesecakes!) M spoiled me a bit for V-Day as well; I was given a painting done by him for our 1st, and a framed compilation of our best pictures for our last. I don't consider it a "girls' holiday." I gave M presents, I give my friends and family presents (even if it's a little box of chocolates). I believe in spreading love everyday, of course, but it's awesome having a special day devoted to it.<br /><br />H doesn't agree. He says he feels it "cheapens" love and he hates the commercial aspect. Regardless, I had planned to buy him something I knew he really wanted, and I was looking at recipes to make a nice dinner (which is not something I do often). And then the other day he and our roommate went on a "let's bash V-Day" fest. He's said he wishes I didn't like Valentine's Day. I'm not expecting anything, although I admit I'm disappointed, because I put a lot of thought into his gift and the night in general.<br /><br />I can't decide if I should (a) just scrap the idea of getting him anything and treat the day like any other, (b) spend the night out with friends, or (c) go all out, be selfless, get him the present and make the dinner, knowing there likely won't be reciprocation.<br /><br />Have any of you ever changed someone's mind about V-Day?Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com6tag:blogger.com,1999:blog-2887421078018917420.post-20387907034742888412012-02-08T20:14:00.000-08:002012-02-08T20:22:37.305-08:00Before 30 GoalsI mentioned that I wanted to save up $7,800... I currently have $4,000. I've budgeted for $50/mo to be put into savings. At that rate, it would take me<span style="font-style: italic; font-weight: bold;"> six years </span>to achieve my goal - ack!<br /><br />I still have my Miu Miu and my old laptop to sell, among other things. I'd like to save up $3,800 in ONE AND A HALF years (by August 2013), and have 50% of my debt paid off by December 2013. Wish me luck!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com3tag:blogger.com,1999:blog-2887421078018917420.post-69333798793985395532012-02-08T19:06:00.000-08:002012-02-08T19:42:31.156-08:00MoniesH just paid me back, I made approximately $700 from my purse sales, and I'm getting a $400 tax refund!<br /><br />So this is how my money situation is looking -<br /><br />Checking - $700<br />Savings - $4000<br /><br />My credit card debt is now standing at $20,259 (I've paid an additional $312 since my last update!), with the breakdown as follows:<br /><br /><span style="font-style: italic;">Bofa</span><br />4874<br />4522<br /><br /><span style="font-style: italic;">Dept Stores</span><br />800<br />1571<br /><br /><span style="font-style: italic;">Dept Store MC</span><br />6776<br /><br /><span style="font-style: italic;">Capital One</span><br />1716<br /><br />I think I might bring the Bofa cards both down to 4500, but otherwise, I'm keeping my money in savings. I'd like to build that up to $7800 (3 months worth of living expenses), and then start aggressively tackling the cards.<br /><br />Also, apparently I can't do math... I haven't paid 12.5% of my debt, I'm at 9.3%. :/ Still... progress!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com3tag:blogger.com,1999:blog-2887421078018917420.post-43194140824891277832012-01-15T16:36:00.001-08:002012-01-15T16:39:08.420-08:00Debt UpdateI updated my sidebar and my <a href="http://chroniclesofdebt.blogspot.com/2008/10/complete-debt-disclosure.html">complete debt disclosure</a> page. I've paid off slightly over 12% of my credit card debt!! Not very impressive for a year's time, but better than adding to my debt (especially considering I've been supporting another person for five months)! :)Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com4tag:blogger.com,1999:blog-2887421078018917420.post-80217589754391077852012-01-15T14:56:00.000-08:002012-01-15T15:04:32.187-08:00Spending (Food)I'm going to start keeping track of my food spending... that's the area where things really get out of control.<br /><br />January 1-15<br /><br />Groceries $134.56 (out of $200)<br />Eating out $118.85 (out of $100)<br />Lunch at work $3.50 (out of $70)<br /><br />So... no more eating out, and $46.59 left for food for the rest of the month. If I eat Subway everyday for the next month, I'll still have $17 leftover (so I can get one or two Starbucks or nicer lunches. Yay!) <br /><br />Can't wait til H gets his first paycheck and can start paying the other half of the food budget!!Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com1tag:blogger.com,1999:blog-2887421078018917420.post-21901258363575402852012-01-12T19:54:00.000-08:002012-01-12T20:19:03.028-08:00Goodbye Purse CollectionI am selling off (the majority of) my purse collection! I have a coral red Miu Miu, a yellow Botkier, an orange Linea Pelle, a blue Rebecca Minkoff, a black Rafe clutch, and 2 Tylie Malibus for sale! Whew. eBay's today-only special offer (no listing fees) was what convinced me it was time to get it done. I need to pay off this debt! And get money into savings!<br /><br />Let me know if any of you are in the market for a purse! Everything's going for a great price. :)Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com1tag:blogger.com,1999:blog-2887421078018917420.post-11213415208818820102012-01-11T13:53:00.000-08:002012-01-11T14:13:18.207-08:00New BudgetCheck out the "My Budget" tab for my updated budget. It might not look ideal to you guys, but after 5 months of paying through the nose for both H and I, it made me sigh in relief to finally be in the black (though admittedly not by much). As an aside, the "haircut" category can really be regarded as "savings"... I haven't gotten my hair cut in a year, and I'll continue to go as long as I can without.<br /><br />H will also be paying me back for the rent/utilities I've covered for the past 5 months, approximately $3400. Some of that will go into savings and some will go towards the credit cards. <br /><br />After the bar's over, I may think about getting a second job. I want that credit card debt gone by the time I'm 30 (2 years to go!).Sunflowershttp://www.blogger.com/profile/02917160919955773944noreply@blogger.com1