Change

My family is about 20,000 in debt and that is about to change.

How did we get here?
I don't spoil myself with spas and expensive clothes. I never did. I always stayed away from the expensive restaurants and practically never paid a full price for anything. Sure I had my history of mistakes - I wasn't ambitious enough to look for a better paying job and I rewarded my family with few vacations we couldn't afford.

Why change now?
Now it is not just about two of us. We have 1 year old boy and 2 year old girl, who don't really care about there living arrangements right now, but they will at some point. We still live in 1 bedroom condo we bought 8 years ago (as a temporary solution for a couple years). We can't buy a house until our debt is paid.

How will it happen?
Planning, budgeting, direct depositing.
It will take me 4 years to pay off my debt, but it will take a lot less to put a system in place. First, we need to prioritize expenses going from the basic necessities to things that are not as important. That will even include small things like kids classes and money for a box of laundry detergent. Second, I need to put it in a pay schedule, so I can be sure it is possible to pay for everything with the paycheck we've got. Third, minimize the efforts by automating payments. Fourth, find simple ways to save a penny, earn an extra penny and get the most out of the penny.

Why do I need DailyWorth?
I need be accountable. When the plan is well hidden in my notebook, it is too easy to slip. I am looking for any excuse not to open the notebook and not deal with the problems I have. That is why it has to be an open book. I am sure there are a lot of women out there that are in the similar situation, need help, and looking for something they can use.

I am a full time working professional, a wife of a husband, who is never around, a mother of two busy toddlers and I am ready to make a big change! Why? Because I deserve to have a backyard.

Delayed Introduction

Image via Wikipedia

Being a mom on its own deserves a medal. Obviously I didn't think of that before, but having two toddlers around the house would do that to you. I am a professional at work making my professional decisions 8 to 5. Somewhere between 5 and 8 am a mom. I am picking up my kids and taking them to the pool, spray park to make sure they get the best out of summer. Feeding them, giving them a bath, and putting them to sleep. 8 to 12 (or whenever I pass out on my lazy boy) I am a housemaid (cook and clean), researcher/shopper (shop and compare prices and research whatever is needed), fitness room member (right on the middle living room with a help of WII remote). Or yeah, I am also a wife, but don't make me started on that. I love my husband, but most of my wife responsibilities come down to picking up his dirty clothes and washing his dirty dishes. I think all this deserves an award, but You already knew that

Related articles by Zemanta

• Your Parenting Solutions (parenting-success.com)
• 'I'm jealous of my nanny' (cnn.com)
• The Days of Our Lives (attachmentparenting.org)
• Asking Your Wife to Clean the House is Sexist (adrants.com)

I googled my ex-boyfriend

Image by Piero Sierra via Flickr

Out of nowhere I suddenly decided to Google my first boyfriend. It is been a really long time. He was a pretty boy and a complete moron, but I was naive and didn't know any better. And I managed to date him for a year before I sat down, "I am done". And he said, "Maybe I love you". And I said, "Maybe I am sick and tired of it".

So I typed his name secretly hoping that he is bold and fat and ugly. When the result came back, I had to take a very long look at Mr. Pretty. I am not sure about bold, but he is definitely fat and ugly. Standing in front of the farmhouse somewhere on the middle of nowhere.

I felt like I got my revenge for all the mean things he did years ago. Yey me!

Related articles by Zemanta

• Bad romance in Hootin' Holler (joshreads.com)