Tuesday, November 15, 2011

Plugging away...

Why does it always seem like I am working on paying off debt?? Seems like I've been doing this for the past 10 years. Ugh! I'm fortunate enough that I've been employed consistently and never been unable to make a payment on time, but it seems like I just keep making decisions that continue to put me in debt. Ugh! I wish I had not purchased my condo back in 2007, but at the time, how was I to know that the housing market would crash so drastically?! Oh well, like I said, at least I have a job and am always able to make my payments on time, even pay a little more than what is due, it could be worse, and I know it is for many.

I'm starting to look at my Christmas shopping and what I want to get for the few people I shop for. I'm trying really hard to figure out something that is more meaningful and less expensive. My brother and I usually go in on something for our parents together and since they are able to buy themselves anything they want, I think I'll see if he wants to figure out something like a monthly family dinner where he and I do all the work.

My boyfriend and I have decided that we aren't going to buy each other gifts, we're just going to do something special together. We both have debt we are trying to pay off and I think it will be more fun to try to be frugal and figure out something together that will be more meaningful. We also really enjoy just spending the time together, so I think we'll play games, watch movies, cook together, stuff like that.

That just leaves my niece and nephew to figure out. They are 9 and 13 and shouldn't be that hard. ;) They tend to give MORE than enough ideas!!

Does anyone have any really great, inexpensive gift ideas for all ages? Any suggestions will be greatly appreciated.

Do you have any special traditions that you look forward to every holiday season?

Thursday, November 10, 2011

I'm still here....

Hey there....I'm still here, honestly! I've been so busy that I'm not sure which end is up most days, but things are going alright. I've been working so much these past few months and putting a lot of overtime, which is great, but I've also been spending a lot of money, which is not great! A few weeks ago, I had to make a big decision; either put a large amount of money in to repairing my car or finally bite the bullet and get a new(er) one. I ended up trading mine in and got a 2008 Volvo XC90 that I just love! What I don't love is the fact that I now have a car payment....boo! I guess this is where the overtime will help out.

I've also started dating someone, something I swore I wouldn't do after my divorce, but this guy took me completely by surprise and so far so good. We're taking it slow and we'll see how things work out.

I've started on my holiday shopping and am making good headway with that and getting some really great deals along the way. I don't have much that I have to buy, so that makes it easy. Mostly I do a lot of baking and making candy and giving that as gifts. The trick is going to be finding the time to do that this year. I've been buying up lots of the supplies as they've been on sale and really trying to cut back on my other shopping; no new clothes for the past 2 months now and rarely eating out. I dropped my cable and got the Roku box, which I love. I don't watch much TV anyway so for me this has been great.

Other than that, I've just been doing the normal day to day stuff and getting by. I'm still trying to build my savings back up and get on paying the new car off along with the rest of my credit card debt. I guess it could be worse, right? I'm focusing on being positive and living a good life. What else can one do???

If I'm not around again before Thanksgiving, I hope you all have a wonderful one and remember the things we all have to be thankful for. Blessings to you all....