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FANTASTICK's Photo FANTASTICK Posts: 14
2/15/08 6:45 P

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wow, long blonde hair, I sure think you can do it, 5 kids and you look great, I hope you do meet all your money and fitness goals!! you are really amazing.

LOVING LIFE, IS FANTASTIC. OPTIMISM RULES. APRIL 11 SPECIAL OCCASION, YOU CAN DO IT, 150 POUNDS.


 
LONGBLONDEHAIR's Photo LONGBLONDEHAIR Posts: 21
2/13/08 10:48 P

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I am also in debt to the tue of 32,000 dollars,. most is student loans, and the rest is car payment and dental. all are on cred cards by the way since the interest rates are so much better.

I pay them everything I can and its still tough.

i have 2 little girls and am single mom.( I do have 3 grown kids in their 20s as well as a 2 yr old grandson!)

I am working at my home business and it is good I can do that, I do better every year ...

Edited by: LONGBLONDEHAIR at: 2/13/2008 (22:47)
my name is Bindi--- come over and stay for a while! I love long comments.


 
RJCOMPUTERGEEK's Photo RJCOMPUTERGEEK Posts: 213
2/11/08 4:51 A

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I was wondering if I would be able to do that. It's a good idea; I'll have to see what Nevada's rules are about unemployment.

Domin, lvl 32 Undead Warlock (Khaz Modan server)

Cairubel, lvl 59 Tauren Druid (Earthen Ring server)

Goal: lvl 70 before release of Wrath of the Lich King

Note: My ticker is a weight gain ticker, please read it backwards. "goal" is my start weight.



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KNICHOLS2's Photo KNICHOLS2 Posts: 645
2/10/08 6:51 P

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You need to sign up for unenployment. Everyone I know got it when they got out of the military.

Kay

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RJCOMPUTERGEEK's Photo RJCOMPUTERGEEK Posts: 213
2/8/08 11:10 A

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LOL....I do plan on getting back on WIC; since my ex-husband is here, they keep trying to use his income against me, even though he doesn't pay child support (he's a dirt bag, I'd rather him not pay child support because then he can't complain when he doesn't get to see his kid). So we don't qualify for WIC here. I'm also going to apply for medicaid, because my daughter and I both have life long illnesses (ezcema and depression respectively). And food stamps. Woohoo for food stamps. Basically, I'm going to try to apply for everything! I've been paying into this government for 10 years, so I think I deserve to be able to apply for everythign I qualify for. No guilt there :P

Oh! And the business. I want to open a metaphysical shop/gaming store/pagan community center. It sounds complicated, but it's not really, as they all go hand in hand.

Edited by: RJCOMPUTERGEEK at: 2/8/2008 (11:10)
Domin, lvl 32 Undead Warlock (Khaz Modan server)

Cairubel, lvl 59 Tauren Druid (Earthen Ring server)

Goal: lvl 70 before release of Wrath of the Lich King

Note: My ticker is a weight gain ticker, please read it backwards. "goal" is my start weight.



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RJCOMPUTERGEEK's Photo RJCOMPUTERGEEK Posts: 213
2/8/08 11:07 A

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$3200, holy cow! I have *never* (other than previously mentioned ex-husbands car) bought anything that cost more than...hmm...well, once I bought a $900 computer...and once a $350 computer, other than that most of my "impulse buys" that I convince myself I deserve are under $100. (although at christmas I did convince myself to buy a new DS lite for $150, but it came with a case and a game I wanted.

Domin, lvl 32 Undead Warlock (Khaz Modan server)

Cairubel, lvl 59 Tauren Druid (Earthen Ring server)

Goal: lvl 70 before release of Wrath of the Lich King

Note: My ticker is a weight gain ticker, please read it backwards. "goal" is my start weight.



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TADPOLE44's Photo TADPOLE44 Posts: 403
2/8/08 11:05 A

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I forgot to tell you... one thing to look into in the states is WIC... They may be able to help some with some of the food for your daughter since you will be unemployed. WIC is Women, Infants, and Children. It is one of the best run government programs around. I'm not sure what all services they offer but it can't hurt to check it out.

Also your goal of home-schooling is cool. I have a sister who has done that with all of her kids.

Let us know what type of business you want to start... I'll bet there are people on here who have experience with that.

One minute, One hour, One day at a time. Bit by bit I can do this!


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TADPOLE44's Photo TADPOLE44 Posts: 403
2/8/08 11:01 A

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Sorry for the lengthy post!!! Sometimes I just hate how much I talk!

Las Vegas sounds like a good decision... It was just when I saw the 800-900 dollar rent that I wondered.

For me a huge struggle has been instant versus delayed gratification. What I mean by that is I see something and I want it right then... Even if I don't really have the money for it. I am very good at telling myself why it is ok for me to get it then... So that has been a huge struggle for me... Recently I saw a wonderful tennis bracelet, it was gorgeous, It had been 7600 dollars but the jewelry store was selling it for 3200... I literally stood there and battled with myself over it. I wanted it so bad.... In the end, I won that battle and the bracelet went home with someone else. But it was still a struggle... I was proud of myself for finally delaying gratification instead of going deeper into debt to have something I don't really need. Somehow in todays society, we end up thinking we deserve something that isn't even really a necessity... That is what I meant.. It has been a hard lesson for me to learn!!

One minute, One hour, One day at a time. Bit by bit I can do this!


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RJCOMPUTERGEEK's Photo RJCOMPUTERGEEK Posts: 213
2/8/08 10:33 A

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Thanks for all the suggestions Tadpole! I had been looking into several places to go (Denver, San Fran, Vegas, etc), and ended up choosing Las Vegas for several reasons. 1) My boyfriend lives near there, and is in a place now where he's able to support me if I need it. 2) They have a really good public transportation system that extends into the suburbs, so I don't have to live right in the middle of town in order to be near every thing. (I also don't drive) 3) The job market in Vegas is really good right now, and because I have friends there, they are able to get me an "in" with some of the jobs there, so I should have better chances there in finding employment.

As for how much the military will help me, yes they will ship myself, my daughter, and my goods back to the states. Past actually getting there, that's where my support from the military will stop, so I'll have to secure a job and an apartment (to include starting utilities, phone, internet, etc) on my own, which is where the $8000 is going to come into play. I can't imagine needing all of it, but if for some reason I can't find a job right away, it will get me by for a couple of months. Also, if I can't find an apartment, the "temporary lodging" there with the weekly furnished apartments is about $350-400/week, so that could get steep!

Thanks for the advice about the mutual fund. I don't think it was tax defered, so I think the only thing I'll have to pay taxes on is the interest. I get quite a bit back on taxes as a single parent as well, so I don't think I'll owe come next tax season, but I'll ask H&R Block about it (they handle all my taxes).

I'm not sure what you meant about delayed v. instant gratification. Already I am fairly frugal with my money (most of my debt is my ex-husbands car and student loans from my $27,000/year college I went to for a year and a half; only about $3000 of it is actual CC debt).

My goal is to be able to finance some medicial procedures I need to have (about $40,000; they're not life threatening, but would enhance my quality of life), and also to start a new business. I'd like to be able to HS my child (and the ones that follow her), so I would like to start my business before she starts school.

Domin, lvl 32 Undead Warlock (Khaz Modan server)

Cairubel, lvl 59 Tauren Druid (Earthen Ring server)

Goal: lvl 70 before release of Wrath of the Lich King

Note: My ticker is a weight gain ticker, please read it backwards. "goal" is my start weight.



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TADPOLE44's Photo TADPOLE44 Posts: 403
2/8/08 10:09 A

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Hi, It is great that you have joined this group and there will be lots of us to encourage you on your way to being debt free. Some folks have already made it there, some of us are still working on it. But the key thing is that we are all here together.

I have a couple of questions for you. Doesn't the service pay to move you back to the US? Be sure to check that out.

When I read your story, I am excited for you because you are at a gateway to a new life! You have recognized that you don't want debt and are willing to do something about it. That is the most important step.

Are you willing to delay gratification instead of seeking immediate gratification?

As someone already pointed out be sure to ask about the taxes on a mutual fund. You don't want those surprising you next year.

Also, have you really looked at where the best place to relocate is? I know your boyfriend is in Las Vegas but what is the cost of living like there versus other places. Since you are at the exciting start of a new life, I would consider the entire country open to you and look for a spot with a low cost of living. I'm not familiar with Vegas so I don't know what it is like but it seems that it is usually southern states that are cited as having the lowest cost of living.

Next, surround yourself with supportive people who will help you on this journey. Evaluate carefully each person in your life to determine if they will contribute to your goal of getting debt free or if their ways may end up encouraging you to continue what you have been doing. I know you don't know people right now but once you get to whereever you go, this will become important.

I guess that is probably more than enough for now... But do post again because there are lots of things that you can do as you start your new life.

Congratulations on making this decision to become debt free!!!

One minute, One hour, One day at a time. Bit by bit I can do this!


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RJCOMPUTERGEEK's Photo RJCOMPUTERGEEK Posts: 213
2/8/08 8:07 A

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Well, I'm not sure how much I'll need. I'm moving from the UK to Las Vegas, and I have bad credit and (will have) no job. Most of the places that I have talked to have said that because I have no job, I'll need 6 months - 1 year worth of rent in my savings in order to be able to sign a lease (and rent there is about $800-900/month). My boyfriend lives there, but he's been evicted within the last few years, so he can't sign the lease for me. I have all the furniture and stuff, it's just a matter of getting everything set up once I get there. After that's all done and I have a job, so I know I'll be able to pay my bills, I'll probably use whatevers left over to pay down.

Domin, lvl 32 Undead Warlock (Khaz Modan server)

Cairubel, lvl 59 Tauren Druid (Earthen Ring server)

Goal: lvl 70 before release of Wrath of the Lich King

Note: My ticker is a weight gain ticker, please read it backwards. "goal" is my start weight.



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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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2/8/08 6:47 A

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I'm also curious as to why you need $8,000 to move. How are you using this money? I cashed in a mutual fund last year myself. There's a penalty on this money & if you haven't had taxes withheld, you might want to keep some in a savings account to cover the taxes.

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


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MISSCHANTILLY's Photo MISSCHANTILLY SparkPoints: (0)
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2/8/08 6:39 A

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is there any way that you could use the 8000 to wipe off a chunk of your debt i know you would have to bit the bullet but if you told family and friends surely they would all help out with second hand furniture etcto set you up from scratch. then at least you could feel a lot of relief .then set up a regular but smaller payment off the debt knowing ok youve not got everything around you but more money in your pocket to live on as the repayment is a bit lower

Edited by: MISSCHANTILLY at: 2/8/2008 (10:53)
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NANCYLEE46's Photo NANCYLEE46 SparkPoints: (96,448)
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2/8/08 6:09 A

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Hi RJCOMPUTERGEEK and welcome to the Team,
I will be here to encourage and help motivate you and I am sure the whole room will also!!!
I have been in very similar circumstances ( I have $20,000 in debt) and I know it isn't easy!!! Please feel free to email me anytime via Sparkmail.
Keep sharing and set your goals appropriately, I know it is hard to believe, but it does get better and you will get through this. Check in everyday and read the posts, as there are always great tips on savings. Also check out articles on motivation. Looking forword to sharing with you more in depth.
nancylee46 emoticon

P.S - Your daughter is beautiful, That in itself should be a motivating factor. emoticon

Edited by: NANCYLEE46 at: 2/8/2008 (06:18)
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RJCOMPUTERGEEK's Photo RJCOMPUTERGEEK Posts: 213
2/8/08 5:25 A

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Hey everybody! Figured if there's somebody that can motivate me to keep an eye and a toe on my finances, it's you guys :) I'm 24 years old, and I have a 3 year old little girl (my avatar). Right now I'm about to leave the military after being in for 4 years (it's not my choice to leave), and I'm moving to Las Vegas. Because of taxes, and I cashed in a mutual fund, we'll have about $8000 to move on, but I currently have $28,010 in debt :( Here's to maintaining a savings and reducing my debt.

Domin, lvl 32 Undead Warlock (Khaz Modan server)

Cairubel, lvl 59 Tauren Druid (Earthen Ring server)

Goal: lvl 70 before release of Wrath of the Lich King

Note: My ticker is a weight gain ticker, please read it backwards. "goal" is my start weight.



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