I am a numbers girl.  You may not know that about me, but it’s one of my FAVORITE characteristics that I inherited from my Mimi.  She was SO smart with numbers – able to add like 15 up at a time with no pen and paper.  She was a wiz when it came to financials and she read the stocks page every day (still to this day, I have NO idea how she does that!  Sorry, did that.)  But no matter how good she was, I am thankful that I got a little piece of that part of her brain.

I was texting with a friend a few days about about a VERY familiar subject of mine – being broke.  I said, “If I JUST had $10,000 I feel like my life would change.  Not $100,000, not $1M.  Just $10,000.”

That’s it.

That’s my dollar amount that if I JUST had $10,000, my life would be able to change course.  I could pay off my car, I could end my credit card debt (which isn’t much…but still there!), I could stop teaching ALL the time for money and choose to teach which classes I want.  And most of all, I would feel comfortable.  I would have savings, and options.  And in saying that, the fervent prayer and mantra for the past few months came FLYING into my head “What are my goals for 2013”.  Really God – this is going to be one of those ones that is hard to swallow right?  And here it is.

Goal 2 in 2013 – Save $10,000 in the bank account (completed by Dec 31, 2013)

So.  That’s a big goal.  That is a big lofty goal that I am going to have to sacrifice to make happen.  And yet, I continue to make life changes towards this goal without specific plans (renting my house out, downgrading certain “necessities”, etc.).  This is a goal that is going to stretch me mentally.  But let’s be honest.  I have a home.  I have plenty of clothes and Lululemon and tennis shoes and heels and Tervis Tumblers.  I have a car that is in great shape as long as I maintain it.  I have all the earrings and bracelets and makeup that I could really need.  And deodorant  I mean, I am STOCKED UP on deo.

Obviously I am not writing this down so you can borrow money from me.  Or know my finances.  But know THIS.  This is going to mean no big bar bills or eating out every weekend (I budgeted for like 4x a month).  This means I will have to say no to somethings due to money.  This is going to be a complete lifestyle change from the way I have been living for 5+ years.  I unsubscribed from EVERY shopping email I get.  I cancelled BirchBox and my fitness “monthly” expense.  I have resolved that I will not order supplements for performance other than food.  I will have to be content with the clothing that I have (umm.  plenty) and how I look in it.  And I am SO going to be ok.

But guess what kids – this chick is like freaky AWESOME at finding deals.  I have 5 “free” movie tickets to the Edge.  I have a $15 GC to Max’s and a $50 to my favorite Mexican restaurant for starters.  My birthday is coming up March 4th, and instead of asking for something that i just WANT, I will be asking for what I need at that point (probably money for books for the summer semester!  or tires.  Ugg.  always tires.)

So.  Here are CLEAR ways to achieve this goal.

1) Cash basis.  I budgeted out bi-weekly for gas and groceries with a tiny entertainment budget.  Anything I don’t use from one week will roll into the other, but if I don’t have the cash, I won’t CANT DON’T spend it.  The end.

2) NO shopping until the first quarter is over, which is March 26th.  At this time, I will re-evaluate if I have a) hit $2,500 and b) how the rest of my finances will look.  This is mostly about habits.  I generally wear the same thing for weeks on end (outside of work) and no one really cares are work.  Also, I have two additional closets of my sister and dear friend if something really does come up that I don’t have the correct clothing for.

3) Direct Deposit into a savings account that is not readily available or easy to access.  See, things these days are SUPER easy.  I opened up an account at another financial institution and then each pay period, it will just directly deposit it into the savings account.  I opted for NO WEB ACCESS so I just can’t see it.  I’m just going to pretend I got a huge pay cut.  Seems feasible, right?

4) Couponing/deals for the grocery.  Buying what is on sale, not letting it go bad and really paying attention to the grocery budget on a bi-weekly basis.

5) Selling my car.  This is a 50/50 shot.  It has been listed on AutoTrader for 5 months, I have shown it to 6 different families and it has not sold.  I feel I need to stay firm on the price so that I am able to purchase something STURDY with cash.  This is more of a praying for God to move on this type of thing.  And like my friend always says, you only need ONE person to buy it.  And I do believe that someone will.  In selling my car, this will give me a little wiggle room for paying off things while still achieving my goal.

It’s just $27.40 a day.  How about that.  

What is your big 2013 goal?



So.  Having this problem with selling my house.  And I start to understand a little bit about these stories about people just dropping off the keys and NEVER making another payment, regardless of how much it affects their credit (because let’s just be honest.  I don’t know too many people with good credit any more.  Or I should say I know more people with bad credit than steller credit!)


So back in 2008, the ex and I bought a house.  It is DARLING.  I mean, I really really really love my house.  Its got beautiful windows, original hardwoods, a mudroom where I can do my laundry and it was JUST the right size for a starter house.  Three bedrooms and one bathroom = 1200 square feet.  And I am sorry, more room just means you buy more stuff to fill it up and its more surface area to dust.  Gag.  Dusting.   I LOVE the fact that it is a corner lot, so I have two neighbors.  A dentist who splits his time between this house and his real house in Mountain Brook, Al and a older lady behind me who is on disability.   And my house is in front of a stop sign, which means that (under normal circumstances) people drive fairly slow on the road.  Which is just excellent.  It is an easy yard to take care of (mowing the yard, etc) and the grass I feel like, grows EXTRA green there.  It’s just a pretty house!

Well, so in 2011, amidst ALL THINGS related to my car crash, we became no longer married.  Part of the deal is that the house becomes mine but the loan from the bank still has both of our names on it.  So over the course of a year I have applied for refinancing, I have looked into “government assistance” programs, I have contemplated a “short sell” and at the very last option, looked into selling my house.

So me.  30 year old me with a decent job and never having missed a payment on her mortgage.  I KNOW I shouldn’t qualify for really any programs because I pay my bills!  And I have a job!  And I DON’T REALLY NEED Government Assistance (that word tastes nasty to me).  BUT turns out if you just STOP paying your mortgage, its the only way to actually get “attention” and be able to opt-in to ALL these plans that Dear Sweet Mr. President has helped create to stimulate the economy.

So here is the kicker.  I have been dropped by 2 real estate agents.  HA!  My house, that I love so much, is what you call under water at this point in the economy.  And all we really did was purchase a house before the bottom dropped out.  It wasn’t a BAD purchase!  It wasn’t expensive in the first place!  And I swear, I wish Banks (or Wells Fargo, who I hate with a FIREY passion) would just listen to Lawyer Documents (apparently they don’t) so I wouldn’t even have to MESS with this.  But the Real Estate Agents both want to list it SO LOW that I would have to come to the table with $50,000.  Literally.  $50,000.  In Cash.  One of the agents said, well that shouldn’t be a problem, you are from Mountain Brook so your parents will pay for that, right?  Ummmm…no.

So I asked them to list it higher, because I believe that if this is what God wants me to do (and trust me, I’ve been praying left and RIGHT for almost 2 years) that he will sell the house for more than a Real Estate Agent believes it will sell for.   And response is?  I am “not interested” in listing it for higher.   Well I am not interested in being classy today either, but I will for both our sakes, yes?

So let’s go ahead and just be clear on all that you read above.  A woman who has a good paying job, a good car, a great life ,CANNOT, as in UNABLE TO,  sell her house.  Now, ALL OF A SUDDEN, I cannot help but think about a widow who was just left with a house, or a single mother whose income is cut in half.  Or even someone less fortunate than me with less support and less education!     And it certainly does make you feel more sympathy for those who torch their own houses for the insurance money, or like I said.  Just walk away from the  debt.

So let’s all have faith and PRAY that God would be clear about where this house should go!  How about that, friends.  God is bigger than the real estate market.  This I am sure of.

{Friday Thoughts} what i learned this week

1.  You can swallow purfume?  Umm…Not for me, thanks!

2.  I would/could/shouldn’t spend all my time on here (But I WANT TO).

3.  I am TERRIBLE at Words with Friends.  Soon I will have no friends left to play with.  Especially not this guy, who’s a PRO!

4.  People are all sorts of making new Google+ Pages.  Not into it.

5.  THIS GUY fixed my leg!  Well, God healed it, but Dr. Siegel repaired it in the operating room.  Profound words by him last Thursday at my 6 month appointment…. “If it hurts, don’t do it!”

6.  Payday was today.  Anyone else have $0.08 budgeted next week outside of gas expenses and bills?  Ready to get out of my house!

7.  I would love to be able to do this to a room!  So….sell my house or take it apart?

And that was the bulk of what I learned.


One of my favorite websites ever.  I mean, people want to sell the STRANGEST things!  www.regretsy.com


Looking for a Halloween costume for tonight?


That mold? Ummmmm just part of the happy meal experience….


And a backup costume…..


Don’t you worry….I’ll have your dress for the big day. Cash up front….


Soda cans? No! These are made from precious metals that will instantly kill your assailant….


And the creepiest bottle holder you can think of, coming your way !