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So here's the dilemma/opportunity this poses. I got a not from my bank inviting me to apply for a loan. So, they refinanced my car once and the lady told me I could do it again in a year or two to try and get a better rate (I went from 12% to 5% which I thought was pretty good). I thought about this. With unemployment looming in the distance I was worried about my debt. If I could get enough on my refinance of my car to pay off the approximate $3k in debt I've accumulated it would be easier to pay one payment once a month then trying to keep track which one has the 90 day or the 180 day payment delay and one of them (PayPal Credit) will only let you defer payment on items over a certain amount so the other things that I've purchased that weren't under that amount need to be paid now. So, I have a small window of time to decide "To Refinance or Not To Refinance". Opinions are welcome on this topic. Fiances scare me. Not enough to not open credit accounts and use them confidently....
The current plan starting November 1 is as follows:
- Get re-certified
- Start shopping my resume for any kind of Hospital/Clinic job
- Finish the final chapter "House of Dragons" and prepare for submission for January 1
- Do NaNoWriMo my way and edit "Hearts of the Mothers" all the way through so it's about 60k words
- Get a job
- Get published
- Make oodles of money
- Move to Oregon/Washington and live happily ever after
What's really exciting is Mom now has a daytime caregiver that will allow me to leave the house and do this. I only have to be at home and take care of Mom from 3:00pm and weekends. It's going to be totally do-able! (Well, 1-5 anyway I have some control over those....yes I know control is an illusion)
There will be some belt tightening, {sigh}. Isn't there always. I'm going to take out the cable and put in one of those year specials from a different company that provides phone, internet and cable. Or I'll see if having three different companies provide it is better. Take some of the data off my phone and hopefully I won't run out before the end of the month so I can finish watching The Walking Dead on the treadmill at the gym. I'm not giving up my gym membership, but I will be giving up the spa membership attached to it. Sigh. I think I'll miss that most of all. I'll have to rely on the kindness of strangers to give me massages and facials. If you'd like to donate to the charity of keeping me well massaged and beautiful, contact me and I'll tell you where to send the money.
Though life is a little crazy right now with the what-ifs it's still really really good and promising right now. Wow, life has changed over the past few years.
1 comment:
A Milestone was reached with this post. It is number 100 on this blog! Boy am I a chatty little thing!
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