Happy Holidays Everyone.
Got through Thanksgiving ok. Missed Mom but didn't break down or anything. It helped that I had two little girls to watch that day.
My kids are starting to come back. B&D's mom finally got back to work full time. H&H's mom is back to work. Still got some openings, but things are looking better.
I really thought I was on my way to losing the house and have to live with my son. I got stupid and worried about it for a long time. Then I got smart and just gave it to God to worry about. Ever since I started this daycare, He has provided for me. Even though I think I tax his patient by getting things on credit. I've learned my lesson on credit cards. As soon as they are paid down to a zero balance, I'm getting rid of all but one. You know you have to pay more than the minium payment in order to get it paid off. It will take a full year or more of making payments and not putting any more charges on to get them paid off. Then I'm going to refinance my house. I ended up with a 15 yr. note and a huge balloon payment at the end of it. And no credit life! So I have got to get that straighten out. First I have to pay off several bills so my debt-income is further apart. Right now it takes every penny just to pay bills. Just because you can get credit dosen't mean you should use it. This business is either feast or famine, so I have to start being smarter about my money. I'm not setting a very good example for my boys. I haven't had to borrow from them yet. I'm proud of that. I might have to this month, but it won't be much. A friend of mine pointed out that I was lucky that I had the boys to help out if needed. She said her boys wouldn't be able to if she needed help.
I'm am proud of my boys. They are both hard workers. I never had to worry about them getting into drugs or drinking. Don't get me wrong. They have both tried it a couple of times. Neither likes to be out of control, nor do they like the expence of the stuff. Both are aware of how hard it is to get money. The oldest always pays his bills first then blows the rest. I don't always agree on what he thinks is important(speakers, $2000 stereo ) but he does ok. Made the last payment on that stereo today. Took him two years but he never missed a payment.
I'm sure to have kids at X-mas so that should go well to. talk at ya later. |
