Good morning, it's clear and 45.
Yesterday was interesting in that I woke up at 4 am to a tornado warning, then severe thunderstorm warning, then high winds and rain. It had all moved out by 8.
It was also interesting yesterday when I completed stage 2 of my financial reset. Without going into great detail, for the last 3-4 years, if my wife has wanted something, I've made it happen, whether by doing it or buying it. When I would buy, I would probably have to use a credit card. The "forced" purchase last year of the brand new truck didn't help.
So, step 1 was enrolling in a credit card balance negotiation company (an established one, not something that popped up int he last 6 months). By doing that, the payments got cut by 1/4, which is good, but more importantly, the interest on those cards stopped. They will be paid off in 34 months, rather than 120 months.
Step 2 was a more difficult one. We traded in my wife's perfectly good car on a "newsed" truck, and the Colorado is going to be allowed to go back to the bank.
My wife, while improving as far as her current problem, is not getting better, and I am having to face the unpleasant truth she won't live forever. Along with the obvious, I would be saddled with a mountain of debt I could never repay. So, I'm doing these two things now, so I can tend to her, rather than fret over money. This is still better than bankruptcy.
Oh, the replacement truck payment is roughly 1/3 of that of the Colorado, and it will be paid off sooner. I got a better interest rate on it than I was paying on the new truck, by nearly 3%.
Remember, y'all asked...
Yesterday was interesting in that I woke up at 4 am to a tornado warning, then severe thunderstorm warning, then high winds and rain. It had all moved out by 8.
It was also interesting yesterday when I completed stage 2 of my financial reset. Without going into great detail, for the last 3-4 years, if my wife has wanted something, I've made it happen, whether by doing it or buying it. When I would buy, I would probably have to use a credit card. The "forced" purchase last year of the brand new truck didn't help.
So, step 1 was enrolling in a credit card balance negotiation company (an established one, not something that popped up int he last 6 months). By doing that, the payments got cut by 1/4, which is good, but more importantly, the interest on those cards stopped. They will be paid off in 34 months, rather than 120 months.
Step 2 was a more difficult one. We traded in my wife's perfectly good car on a "newsed" truck, and the Colorado is going to be allowed to go back to the bank.
My wife, while improving as far as her current problem, is not getting better, and I am having to face the unpleasant truth she won't live forever. Along with the obvious, I would be saddled with a mountain of debt I could never repay. So, I'm doing these two things now, so I can tend to her, rather than fret over money. This is still better than bankruptcy.
Oh, the replacement truck payment is roughly 1/3 of that of the Colorado, and it will be paid off sooner. I got a better interest rate on it than I was paying on the new truck, by nearly 3%.
Remember, y'all asked...