I just thought I would update you all on our getting out of debt journey. Things has been going very slowly with getting out of debt and also seems like it has gotten harder. Yes we have gave up some things to help get out of debt but so far it still has been a struggle. So like the last part of May I got to looking for some settlement companies and I found one that seems to be pretty good. Yes I know what some may think that it is a lazy way of getting out of debt and that you are adding more debt to your already debt but I really do believe that is not the case.
With this company we already settled one debt. Okay, let me back up a little and tell you how this settlement company works. You start like a escrow account (To me it is like a saving accounts also) with them that goes towards your settlements. You have a set price to put in that account. Like right now I have paid in about $800 since June and have one settled debt that will start coming out of it I want to say today. Yes, one of my credit cards has been settled and now they are working on the others. The one thing that a settlement company will not do is help with the secure loans ( like student loans, and car loans and mortgages). Yes, there are fees that you have to pay but I can tell you this that with my first settlement and the price of the companies fee for them working with you still does not total more then what the debt itself was so we are still saving about $2200 on that whole debt. So to me that is a good deal.
I cannot tell you what it actually feels like to see a debt being settled. It feels like a weight has been lifted off my shoulders. Yes we still have lots more debt to take care of and we will get them took care of but I can say this that in June of 2018 one debt will be completely took of as there will be no more of it at all. So just a little under a year it will be gone. I think with this settlement company we have estimated it will take 3 to 4 years to have all my debt took care off. So cannot wait. We are still working on Mike's (which it all is both of us but some is just in my name and some is in Mike's name. ) We will be done with our debt journey I want to say hopefully by 2022, at least that is hope. Actually I hope it is before then but I am trying to be real here lol.
I will keep you updated on everything goes (and if you want to know the name of the settlement company please let me know)
Thursday, July 27, 2017
Saturday, July 22, 2017
Seriously where has the time gone
Seriously where has the time gone. It seems like just yesterday that we was getting the phone call that our Jelly Bean was born. Oh how I remember that day so much. We had missed a few phone calls and text messages as Jelly Bean's birthmother had went into labor at about 12 something. Then she was born at about 1 something I do believe. We did not find this out until like I woke up at 6 something to go to the bathroom and I decided to check my phone. Once I checked my phone and seen the voice mails and text messages I woke Mike up telling him that our Jelly Bean had been born. We got up and started packing our bags and Mike called his boss to let him know that he would not be at work. Then we started the long trip out to OK to pick up our daughter. We did not get to meet him until like the morning of the 23rd as it was like after midnight by the time we got to OK. I will say this I was so scared and nervous at the same time. Scared and nervous to meet our daughter. There will never be enough words to express how grateful we are to Jelly Bean's birthmother.
I think Jelly Bean has had a good birthday today. We got up and daddy went and got her her favorite breakfast food (which is a biscuit from Jack's ). Then we let her open up one gift from us. She opened up a little disney princess baby doll we got her. Then she took a bath and got ready for her birthday party. Then we went and picked up her cake and the food for the party and came home and got everything ready for the party and then everyone started showing up to party. We all had a good time and she got lots of gifts and has been enjoying them lots. Now it is getting close to bed time and mommy is tired so I will be getting off here and getting ready for bed. I hope you all have a good day and night.
I think Jelly Bean has had a good birthday today. We got up and daddy went and got her her favorite breakfast food (which is a biscuit from Jack's ). Then we let her open up one gift from us. She opened up a little disney princess baby doll we got her. Then she took a bath and got ready for her birthday party. Then we went and picked up her cake and the food for the party and came home and got everything ready for the party and then everyone started showing up to party. We all had a good time and she got lots of gifts and has been enjoying them lots. Now it is getting close to bed time and mommy is tired so I will be getting off here and getting ready for bed. I hope you all have a good day and night.
Sunday, July 16, 2017
Two years already
Okay not quite yet but will be very soon. I just wanted to go ahead and write a blog before I forget lol.
I cannot believe that our little Jelly Bean will be two years old this coming saturday. Where has the time gone? It feels like it was just yesterday that she was placed in our arms. It has been the greatest two years and I know we will have many more years ahead of us.
Lets see where to begin. Jelly Bean is becoming more beautiful with each passing day. We did have to give up the pageants for right now, as we do not have the money for them and couldnt get anyone to buy tshirts for her pageants or etc so we decided to wait for hopefully next year. We may also have to give up her dance classes (even though she hasnt started those yet. Wont get to start them until sept ) we are hoping she will be able to do them but it will be depending on if we have the money for it. We will see. On to other things lol.
We had to carry Jelly Bean to the Doctor on wednesday as her allergies are really bothering pretty bad. You should have heard the poor girl. She is doing better though. The doctor gave her like three different kinds of medicine to take. and she is doing better. She still sounds stuffy and has a runny nose and has a little cough but not like she had been. At the doctor office she weighed about 24 lbs but she did not wait to stay on the scales long enough for it really to show the right amount. She does get on our scales and they say she weighs over 25lbs so I think I am going to go with that. I think she pretty much has all of her teeth. At least it looks like it to me haha. She talks alot. She will say Dash for Down stairs and she knows where her leg, feet, arm, hands, and etc are at. She loves given high fives and hand shakes. She will also say hug time (she loves the troll movie lol.). Lets see what other movies she loves. She love Moana, Trolls, and she has gotten into watching the Ghostbusters. She loves the originals ones and the one that came out what last year or was it the beginning of this year (i really do not remember if it was this year or last year lol).
We have been trying to take the pacifier away from her ( or use her word for the pacifier, nene). We started to take it away from her actually friday night after she went to sleep and spit it out we got it and put it up and boy when she woke one during the night wanting it she kicked, cried, hit and etc. (She has a temper lol) so we had to give it to her as we was getting tired of the kicking and hitting. But after we got up yesterday morning we took it from her and would not let her have it back. Well that is until bed time. She would not go to sleep at all without it. And sleep is more important then fighting with her over the nene. So far today she has asked for maybe a handful of times but the real test will come tonight when we go to bed.
Things she loves
She loves baby dolls, learning new words, cars, going to the park to slide, she also loves ducks and fish bath toys. She also loves to put puzzles together. She has about six puzzles now. And she can sit and play with those for probably 15 to 20 minutes. She will put her pieces together then take them a part and put back together. She loves her Ipad also but there is days that i wish we had never gotten it for her and then there is days I am grateful that we have it for her.
But other then all that she is doing good and I cannot believe that she is going to be two years old soon. Her birthday party is a Breakfast at tiffanys party ( more like breakfast at Jelly Bean's lol ) it should be fun. I at least I hope so. I hope everyone we invited to come to her birthday party actually show up.
Now to see what 2 years will bring (which I really do believe it is going to be a trouble two year lol but maybe not to bad )
I cannot believe that our little Jelly Bean will be two years old this coming saturday. Where has the time gone? It feels like it was just yesterday that she was placed in our arms. It has been the greatest two years and I know we will have many more years ahead of us.
Lets see where to begin. Jelly Bean is becoming more beautiful with each passing day. We did have to give up the pageants for right now, as we do not have the money for them and couldnt get anyone to buy tshirts for her pageants or etc so we decided to wait for hopefully next year. We may also have to give up her dance classes (even though she hasnt started those yet. Wont get to start them until sept ) we are hoping she will be able to do them but it will be depending on if we have the money for it. We will see. On to other things lol.
We had to carry Jelly Bean to the Doctor on wednesday as her allergies are really bothering pretty bad. You should have heard the poor girl. She is doing better though. The doctor gave her like three different kinds of medicine to take. and she is doing better. She still sounds stuffy and has a runny nose and has a little cough but not like she had been. At the doctor office she weighed about 24 lbs but she did not wait to stay on the scales long enough for it really to show the right amount. She does get on our scales and they say she weighs over 25lbs so I think I am going to go with that. I think she pretty much has all of her teeth. At least it looks like it to me haha. She talks alot. She will say Dash for Down stairs and she knows where her leg, feet, arm, hands, and etc are at. She loves given high fives and hand shakes. She will also say hug time (she loves the troll movie lol.). Lets see what other movies she loves. She love Moana, Trolls, and she has gotten into watching the Ghostbusters. She loves the originals ones and the one that came out what last year or was it the beginning of this year (i really do not remember if it was this year or last year lol).
We have been trying to take the pacifier away from her ( or use her word for the pacifier, nene). We started to take it away from her actually friday night after she went to sleep and spit it out we got it and put it up and boy when she woke one during the night wanting it she kicked, cried, hit and etc. (She has a temper lol) so we had to give it to her as we was getting tired of the kicking and hitting. But after we got up yesterday morning we took it from her and would not let her have it back. Well that is until bed time. She would not go to sleep at all without it. And sleep is more important then fighting with her over the nene. So far today she has asked for maybe a handful of times but the real test will come tonight when we go to bed.
Things she loves
She loves baby dolls, learning new words, cars, going to the park to slide, she also loves ducks and fish bath toys. She also loves to put puzzles together. She has about six puzzles now. And she can sit and play with those for probably 15 to 20 minutes. She will put her pieces together then take them a part and put back together. She loves her Ipad also but there is days that i wish we had never gotten it for her and then there is days I am grateful that we have it for her.
But other then all that she is doing good and I cannot believe that she is going to be two years old soon. Her birthday party is a Breakfast at tiffanys party ( more like breakfast at Jelly Bean's lol ) it should be fun. I at least I hope so. I hope everyone we invited to come to her birthday party actually show up.
Now to see what 2 years will bring (which I really do believe it is going to be a trouble two year lol but maybe not to bad )
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