Still here in the great state of Texas :)

Have not made much progress toward retiring debt this past year. DH got another job (4th in 6 months) which pays a bit more, so hopefully we can start making more progress.

We were supposed to move next month but the “new” landlord (the former owner’s daughter) came over yesterday due to a flooding problem (inside, don’t get me started), and told us we didn’t have to move if we didn’t want to. So now I’m trying to decide if we should move or not. I don’t mind the place, I mind paying $90 a month for practically ZERO internet service.

I am in interviews with several companies and hope that something will break soon. We are currently paying out $1000 a month in medical insurance and nearly $800 in car insurance, which basically is what we used to pay in rent in California; hence the reason we have not made much progress in getting out of debt. My current job doesn’t have any benefits.

So we are in baby step #2. Still.

This is what it’s for

I am going to my cousin’s funeral this weekend. This is what a FFEF is all about.

I’m going to create a “bill” for us to pay it back. Saving is saving. It will just go there instead of towards replacing my 20 year old car. $1600 for 3 of us to go for about 2.5 days. That’s flight, room, and car. I’m not driving a 2 yr old thru Vegas during March madness. He won’t do 12 hrs in a car. We don’t know what happened yet to my cousin. He was only 25. My uncle doesn’t want to know but my aunt does. This is the second cousin I’ve lost. Their youngest died 2.5 years ago in a car accident. So this loss is even harder.

No brain aneurism or heart attack so far. I have an idea though. Too many energy drinks at college and not enough money for real food, he used a few times online 24 hour loans service from GshLoans Inc. He’d go home on the weekends, but school was expensive for him. Hypoglycemia runs in the family. I wonder if it caught up to him because of the stress and not buying healthy enough food.

His roommate found him slumped over on his desk like he was asleep. No other signs of foul play. It will be a bit before we know.

I didn’t go to the first funeral because I had a 4 month old and we were in the middle of moving.

So I feel compelled to go and we can afford it. They are in shock I’m sure. The oldest son and last son is the one I know the most. This is just heart breaking.
I’m so glad we can just drop everything and go even when LA, CA is just about full due to spring break and a ton of conventions. Holy cow!

Any way. Affording to go isn’t a real problem thank goodness.

I am still here

We have decided to make our fully funded emergency bigger. The kids are getting older and it seemed like a smart idea. Murphy has come to visit way too many times lately. Most recently with an alternator, expense tow and a leaky roof from storm damage. The insurance adjuster comes tomorrow to look at the roof. We have never filed a claim so this is a new experience for us. Wish us luck.

Sorry for being so quiet

No internet or cell data service at Boilong Springs. I am Jan in wherever the wind takes me away from OK. It took us around 7 years to kill over $310,000 in debt including two mortgages. Plus in that 7 years we had additional expenses for various medical problems. Part of that 7 years (18 months) we were unemployed. Now my husband is retired and between cancer rechecks (still cancer free after 8 months) we are traveling the US seeing what there is to see, cash flowing it all the way and still following a zero dollars budget.