I haven't posted for awhile because I have been busy and I kinda fell off the wagon in saving and getting out of debt. If anything I am in even more debt now than I was. my student loans are going to default in about 3 months and I do not have any more options to pay them back. I do not bring in enough income to take care of my children and help with the utilities and rent here. I have four loans out now that I am paying back, one was for my sons birthday so that I could give him one, the other three are for various things like food, clothes etc. I am trying not to buy anyhting that I do not need, I did buy my son a power wheel because the one I got at a garage sale did not work and I knew that he would not understand why he got one and can't ride it, my daughter's works that I got at the same sale. I am also still buying most everything used when I do buy something. i got my son a dog in january, he is part boxer and part lab so he cost about $100 a month to feed and my daughter has a cheweenie (part daushund part chihauhau) she cost about $10 every three months to feed and we still have the cat but he doesn't cost much to keep. another new expense is that because my son is adhd and autistic, and my daughter is adhd I have put them both on the gfcf diet, it cost a fortune to feed them and I am still coming up with ways to feed them for less they are both doing better and are coming off their medicine, so it is worth the expense I am also no longer going to give myself a year to do it all. I am going to give myself till the end of my sons fifth grade year, he will be going into third this year so I have three years to get it done. I am going to quit eating out, quit buying junk for me and make more stuff from scratch. I am only going to buy school pictures in the spring and I am not doing book clubs this year, I am going to pay off my loans and get slowly weened away from borrowing money, I am going to then start paying my credit cards and get them to be at a zero balance then I am not going to use them. I am going to start saving first by saving my change then go up from there. I will report here every night and share my expenses, my purchases for that day and why I made them and what I should have done differently. This blog will be my accountability person. I am starting on 6/20/2009 and I shall conclude this blog on 6/20/2012
by then I should be debt free and own my own house in the country and also own my own daycare center where I will be a partner with my mom.
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