I want to forget about money!

My title of this blog sums it up!

Seriously!

....... FINE, money is a part of life. I just want to stop focusing on it so much. I'm loosing my fuel to keep plugging away at this. In the last few weeks I had a major stress break down. Its my trigger . That should be a reason to want to cage and control this beast in my life. Id like it to turn into a cute little ducky and if it acts up i will be quick to remind it that I have carnivorous tendencies and I will roast and eat it for dinner. HA HA

Since I left Roadhouse I have not made a new budget. Bad. I know. I'm scared to tell the truth. I'm scared to see how badly I really am doing. To top it off I called my favorite stalkers from NCO financial (Sallie Mae's collectors) and it was less than productive. I was clear on my payment abilities. They don't care about my need to eat or put gas in vehicle, or any other basic living expense. They want their money . I can't blame them.

I Told them I could make 10 payments of 80 every month. They said they will "see what I qualify for"..... really?!

They want me to pay them 3 payments of $260.00. They also want to automatically withdraw it out of my debit card. ......HA HA I don't think so crazy!!

My solution is my first payment of 200.00 and I sent them a postal money order that they have to sign for and send a receipt back. Next month I will send them 290.00 the same way but I don't care who they are affiliated with at the end of the day they are a collection agency. I take no chances with shady practices.

Paying them so much is kinda throwing a wrench in paying other debt off but once they are done I will be back on track.... and hopefully lord willing a full time student again which will be a dream.

until next blog!!

Budgeting and Rebudgeting

BUDGETING

So First I will tell you how to do this Super Easy Budget form from Joe Sangl. com

follow my link http://nextsteps.iwasbrokenowimnot.com/tools/budgeting-tools/

He has different budgets. I get paid twice a month so I could use the bi-monthly budget but its a lot easier for me to spend the entire budget at one time... so I would recommend the Month budget.

You will have to download this form. You may need Excel, if you don't have it already.

The Top 4 lines is your score board..... kinda like a fun game right?!

Fill in your income

Then spend away with the goal being your income minus outgo being EXACTLY ZERO!

REBUDGETING

Apparently Rebudgeting is not a word haha oh well

I don't think I budgeted for god time , personal time, or for break with the second job. I never really thought through the stress of working that much. Today I'm not feeling so good. The compound stress of all this money talk and no personal time or anything has caused the breakdown today. I faced the hard truth I don't have what it takes to work two jobs. I want to believe I could but the truth is with my stress disorder and obsessive doubting disorder it just is better for my health if I go back to one job.

Today I quit.

..... the job that is.

I just have to re think my plan and re budget my money. I HAVE to sell my car now.

Now just sitting down with my dad (primary on loan) and convincing him that selling the car and financing for the gap is gonna help is the hard part.

Don't get me wrong my dad is my hero but he's from the school that NEW cars are best and that selling the car is a bad idea.... that I should save up and trade in for a brand new vehicle. Which is actually great for someone who doesn't care and has money and the kind of job and credit to do that.... I'm gonna be paying more than I am now. I need relief from a car payment not doubling it.

I'm praying that he understands financing the gap is gonna possibly give me an opportunity to see if I can lower the interest rate on my loan (14.99%) .... I'm hoping to see at least a 2% difference and to make payments less a month . Plus I have an opportunity to drop my coverages on my car to PLPD till I can save about $100.00 a month so I can throw some in savings and the rest at my debt.

I'm also hoping I can come up with $700.00 so I can pay off my favorite stalkers.... my buddies at the student loan corporation so I can start applying for grants and I cringe at these words: more student loans! but with some new wisdom and strategy I will keep the loan at rate that is manageable and I have the goal of that being my ONLY loan/ line of credit when I graduate with a plan to pay them off within 4 years or less.

I have an amazing all-knowing god who knows what I need even if it's not what I think.

Untill next post,

Jenna

Hello world! Its time to come clean!

Do you ever feel like you life is being run by your money??



Does the word budget cause you discomfort?

When the bible says the love of money is the root of all evil you think "No worries Jesus I hate it most of the time!"?

Can you admit that most of the time if you even tithe you are definitely less than joyful?!

yes. YES. oh yeahHH.... and pffft...okok! shhh...don't make eye contact and lets keep it on the DL!

If you just answered like I did perhaps its time to introduce myself and tell you my history!




Hi, I'm Jenna! In true AA style: I am a SPENDER! I love shine and the adrenaline rush of shopping. What can I say I"m "that" kind of girl!

On the flip side I have more bills than I can handle and 3 weeks ago...with a little push from my new friend Dave Ramsey (DVD), I got a second job. I have bills coming in from all kinds of places . Some of these bills are regular and some are from those professional stalkers I like to call Collections. The best Stalkers come from the student loan corporation ... They never forget your debt. Seriously they took my taxes. When they do that its bad news! I want call them thieves but really I'm the thief.

This time in my life I always thought Id be successful and serving jesus passionately and have a family of my own . I am weeks from my 27th birthday and I live at home with my Dad who has blessed me with rent free-living. I have this:

This is the worst financial decision I ever made!

I love to call it my PART TIME CRUISER... but praise jesus I even have a vehicle!

Before my I had second my second job , car ate up 70% of my income not including gas. Even as I type this , it is sitting in a shop to be fixed. Enough whining about my car, the point is Im not smart with my money. I know in my heart Im aching for dreams stirred by an AWESOME God, dreams that have yet to be fulfilled mainly because I have not really ever honored God with my money. I should stop right there and take that first step and say:

It's NOT my money its god's!

MY CONFESSION: I don't hate money I love money.... It stresses me out and I only hate it because I feel I never have enough. The truth is I'm greedy I can't manage what god has given :( its sad.

the Must READ for this post :

• Matthew 25:14-30 :The Parable of the Bags of Gold

I WANT to change!!!

I decided to follow god's prompting and let him transform my money and ultimately my heart.

This is what I have done so far:

• Got Joe Sangl's book!

• Watching Dave Ramsey financial Peace University.

• Wrote out goals !

• Got a second job!

• I got a free credit report! I don't know who I even owe but in a few days I will!

• Called Wells Fargo Dealer Services to get the terms of my loan so I can start a plan of attack on trying to sell this PT Cruiser!

• I went to Joe Sangl's website and downloaded and filled out his monthly budget template.... seriously amazing! In my next post I will tell you how this works!

I invite you to be come financially free with me !! Leave me post on what god is changing in your finances... lets encourage one another to fight the good fight!! Let's punch Satan in the face with god's money!

Father God,

I just want to thank you and praise you for your provision.

Lord, Im sorry for the way I have misused it.

I ask for your correction and guidance in this area .

Jesus I want nothing but glory for your name and your will.

I pray for strength and protection in this season of change.

Let me not spend in temptation but lean into you.

Help me become the person you have made me. Let your will be done !

Thank you for your amazing love!

In Jesus name,

Amen

I OWE I OWE SO IT'S OFF TO WORK I GO!

Until next post,

Jenna