How to save 10 grand in one year!

Everyone should be a savings queen or king. Here is a couple of ways to save $10,000 in one year if you get paid every other week.
 
Saving $10,000 in 52 weeks (biweekly)
1 $275
2 $475
3 $275
4 $475
5 $275
6 $475
7 $275
8 $475
9 $275
10 $475
11 $275
12 $475
13 $275
14 $475
15 $275
16 $475
17 $275
18 $475
19 $275
20 $475
21 $275
22 $475
23 $275
24 $475
25 $425
26 $575
The next thing that comes to mind is how? How do you come up with an extra $10, 000 a year? Here are a few ways to cut expenses in order to be able to save such huge amounts.  1. Stay with a family member for one year and save on rent.  This could snowball your savings so that you save another couple thousand. 2. Refinance your car.  Getting a lower payment and lower APR could help you in the long run.  3. Cut cable and landline phones.  4. Put a pause on extras such as manicures, pedicures, hair color, and even haircuts.  5. Use schools to save on haircuts and dental work.  Sometimes things must be done, but who says you need to pay full price.  Do your research, embrace google, ask for referrals and save your hard-earned money.  6. Make more meals at home.  Limit yourself to going out just a couple of days a month instead of a couple days a week.  7. Avoid coffee shops like the plague.  Make yourself a strong cup of coffee or even espresso at home and save a thousand a year easily.  8. Make a budget and stick to it like your life depends on it.  Make sure you add everything on there, even movie nights once a month.  Being on a budget doesn’t mean you don’t spend money on fun things, it just means you keep track of those pennies and you pinch them!  9. Get an accountability partner.  Having positivity in our lives is vital for going forward and making our dreams a reality.  Find a friend who can keep you accountable to save and not ‘make it rain’ every chance you get.  10. Embrace Groupon and other money savings apps.  These are great ways to send your kiddo to a summer camp or take a date night with a loved one without spending an arm and a leg.

Let me know if any of these ways work for you.

A constant pain

I don’t know which is worse, my neverending pain or my husband’s depression. I have my own anxiety issues but they don’t wake me up at night. I have a pain journal on my phone but i am inconsistent in using it. Mainly because each entry would state that I hurt all over.  I need to make my health a priority even though I have a job and family to take care of. 

The Narrator and Meddling

Thanks to The Daily Post I was inspired to write about a gal at my soon to be old job who is not just your typical chatty Kathy. My husband has dubbed her The Narrator because she has a habit of talking to herself at complete audible level, ALL DAY LONG!  I’ve never in all my born days been so irritated by a persons who has a voice that can pierce through headphones.  Not only does said Narrator speak all damn day, but she meddles too. If anyone in the range of her hearing is speaking, then she is the expert and speaks up to the ‘facts’ that’s she knows. Such facts as, other governments are spraying chemicals over our air so that the temperature is changing; she can’t figure out excel but she knows how to make the copier work better; she can’t own a cat unless she sleeps with it; she doesn’t know how glasses work and she is struggling to figure out her contacts.  Oh there are just so many gems I cannot even begin to think of them all.

I wish

I wish I was the mom to my daughter that I was to my other children. I would pray with them before every meal, read to them every night, bake with them, do the laundry throughout the week, vacuum daily and go to their school. I hate who I am now. I feel like a lifeless shell who struggles just to be present. Things are so different since I’ve gotten married. It truly is an adjustment. 

Tiny house living

Our family of 4 lives in 400 square feet. As much as I have always loved the idea of living in a tiny house, the reality of it leaves much to be desired. I think my biggest complaint is that we aren’t able to personalize it how we would like. Our living space is more of a casita that is attached to my husbands aunts house. While we are forever grateful for her offering this space to us, it is not our space.  That is so hard for me. It hurts my heart and fuels my depression that we don’t have a place of our own. I want my children to have their own room. I want to have a second bathroom. I understand these are some pitfall first world problems, but as a member of a first world country, I have become accustomed to certain ways of living.  I truly feel as though this space wouldn’t be that bad if we were able to make it our own. Hanging up photos, buying our own dishes, making a loft space for my son to sleep, instead of on a fold out mattress in the living room. But, alas, here we are. I am thankful for having a roof over our heads, I am thankful for having family that has never asked us to leave or even remotely implied that we have overstayed our welcome, I am happy that I work a near 3 minutes from where I lay my head at night to sleep. These are all amazing blessings and I am thankful for each and every one. I do, however, want a place that is ours and not ours for the moment. 

I am depressed and feel stuck and drowning in monotony!  I feel like the walls are closing in on me and I am without choices or options. I dread the thought that the calendar pages will flip over and say 2018 and I will still be here, ever more crowded, every more unstable. I fear I will pack a bag and drive.  Drive until the road ends and keep driving. Just to have freedom of movement and space for once in the past 2 years. My own thoughts concern me because they do not always seem illogical. In my head (a dark and worrisome placed filled with fear and doubt), my thoughts seem perfectly timed and well organized. 

Quote for the week: everything you want is on the other side of fear. (I don’t know who said it and I’m not sure I agree but they are probably right…whoever they may be)

Friday!

What a week. My c section scar is still numb and we are at month 6 since baby girl has been born. Apparently it is normal to last a year or longer. Hopefully I will get the feeling back in the next couple of months. 

Long story short, baby is sleeping through the night again for about 11 hours straight (thank God), husband’s bi-polar has been bad but so has my depression and anxiety. This week closes with emotions lifting, hopefully for both of us. We are also working on rasing our credit score to buy a house.  Hopefully we will be out of our 400 square foot apartment soon. 

Bipolar Sucks!

The real kind, not the irractic confusing blanket title kind. My husband has bipolar disorder and it is best described as a horrible roller coaster ride that I didn’t sign up for and I can’t get off. I am thankful not to have the racing thoughts and voices in my head…I cannot imagine whatcthat must be like! What I experience because of his illness is, almost daily,  immobilizing. I truly hate this disease and who my husband becomes because of it. I cry far too often, as does he, and all it seems to do is draw us apart. The fight to stay strong and happily married seems near impossible at times. We will endure. We will succeed. We will struggle. It will be worth it. (At least that is what I keep telling myself.)