CREDIT CARD DEBT FREE!!!!!

As of today I am officially credit card debt free! What a fantastic feeling! Now it is time to put even more focus on my student loans. 2014 has been a great year!Also, I finally became a Notary in November lol.

It's official! I'm a North Carolinian! Is that what it's called?

Wow! Would you look at that? Wait no if I look at something I'll get distracted and forget that I was writing a post. In less than a month I have managed to get a few more things accomplished or at least semi-accomplished.

Well I still need to schedule a haircut but...

I went to the DMV on Saturday (yay for being open on a Saturday!) and got my driver's license. I just need to wait to get it in the mail in the next two weeks. Luckily, they let you keep your license from your other state so I won't have to worry until after the 27th and even then I'll have that temporary license thing they give you.

I set up an appointment with the eye doctor for April 26th so I'm just waiting for that. I'm going to look into getting contacts that you can keep in for a month at a time. Because let's face it if I procrastinate about absolutely everything in my life you can bet that I leave my contacts in for longer than I am supposed to. For over the past two months I have actually been wearing my glasses-not because I have run out of contacts but because I want my eyes/prescription checked before I wear contacts again.

I also set up an appointment for the dentist- May 12th. I'm very convinced that I have a cavity but that's my fault for never remembering to floss. Ugh. I need to step it up.

So what is next up on my list?

.Get Notary Public status
1. Call and sign up for a class at the community college
2. Take Class
3. Take my oath at courthouse
4. Buy/Order the seal


Also, get jewelry checked. I just need to bring my papers with me and just go after work one day. 

I also need to start getting my name changed on other things like bank account, credit cards, student loans, insurance papers, etc. If I can just force myself to do things a little at a time it won't be so overwhelming.

I'm slowly but surely getting better at trying to get things done.

Now for finances... I've been keeping things moving along slowly but surely when it comes to my student loans. By the end of the month I should have a little around $13,000 left on my federal loans. My initial goal was to be putting $1000 a month towards my federal loans and minimum on sallie mae. However, I have been averaging about 800 a month instead. I think it is just a mental thing for me. The money is there I have just been shortchanging it. What I'll do I think is add up the money that I haven't put in (around 800) and just make an extra payment to catch up on my schedule. I'm so determined to pay down these loans as much as possible before my husband and I decide to start expanding our family. 

In other news...nothing exciting has really been going on in my life. I have been reading more books lately which is good and trying to cut down on tv. I'm also going to be relearning the language I studied in college so that will be exciting as well. I had been going to the gym when I had a free membership and I think I'm going to sign up again. I'm just not happy with how my body has been looking and summer is approaching. I've got to keep on myself to get things done and hopefully I'll get better at that.

4th Student Loan is History!

If you look at my side bar you can see that I have paid off my 4th student loan this month! No time to celebrate though...just onto the next one! :)

I used 1,000 from our tax return and was able to get my credit card down to the lowest amount I've seen since the end of 2012- it is sitting at $2868 right now. Finally an end in sight and I still have the 0% APR for several more months. :)

Just for fun I'm going to look at the September goals and see if I've accomplished anything in 7 months since I made them...

1.Get my wisdom teeth pulled [ No pain from them but they aren't looking so hot :( ]
YES! I got my wisdom teeth pulled two days before Thanksgiving. It wasn't the pain from my teeth that was bad...turns out I hate percocet. Ugh gave me the worst headaches ever- I couldn't even celebrate Thanksgiving- never again.

2. Get my hair cut- YES/NO I had gotten this one done but it is time for a new appointment last appointment was in...November I think? It's been 6 months. I think I'm going to find a cheaper place though since my hair is so low key. I usually end up paying $45 with tip for just  a simple trim.

3. Get my prescription refilled and possibly transferred to a new pharmacy NO!!Did this but again I need to
 refill this prescription but since I work the entire day on Friday now this has become a problem. I need to find a solution for this one. Maybe I can get it transferred to a nearby pharmacy? Call and find out.

4. Go to social security office and get name changed/new social security card.I know that this one is especially important for my husband and I should stop procrastinating on it...oops.
YES!!!! Well 7 months later...last week I finally took some time off from work and went to social security...and changed my name! Good thing to since my license expires in April.

5. After social security is done and I get my new card...NO!!
1. Study for NC driving test. Not yet but my husband has a copy of the manual. That is my goal
2. Go to DMV- take driving test (written) - NEED to do this before April 27 when it expires- clearly I'm a procrastinator
3. Hopefully ;) get new NC driver's license NEED TO DO THIS ASAP


6.Get Notary Public status (Depends on when class is available. NO!
1. Call and sign up for a class at the community college nope not until i have a nc license....
2. Take Class
3. Take my oath at courthouse
4. Buy/Order the seal

Well I guess I made some progress. I also need to:
1. Set up appointment with eye doctor
2. see eye doctor/ order new contacts

Dentist
1. set up cleaning for dentist
2. go to appointement

GET MY Jewelry checked on...overdue! Ugh when do people find time to do these when most doctor type offices are closed on Saturdays here! I mean seriously! When are people that work supposed to do these things?

Why can't I seem to follow through?

I have a long history of not being able to follow through on personal goals. If I am involved with a group or if it was academic or work related I never quit. In fact, I have never quit a club, class, or job in my life. I have left jobs because I graduated or moved but I never quit. I feel like the same thing does not hold true in my personal life. I'll get motivated to work out and then I'll stop after a week. I'll tell myself that I'll do a load of laundry every single day-that lasts maybe two days. I'll tell myself to create a nightly face care routine-yep nope. I'll create this awesome, amazing daily routine to make myself more productive and yeah that rocket ship doesn't even launch for a test run. I'll buy a planner and swear that I will use it all the time. Or I'll get a 7 day calendar for the fridge so I can...meal plan! Yeah...right. Let's not even talk about this blog and my lack of updating. Why do I have such a hard time sticking to things? I wouldn't consider myself lazy I just have a hard time creating a habit, a routine. I have no problem with watching over 4-5 hours a tv a night but I can't find the time to take my clothes out of the dryer when the buzzer goes off? I've actually timed myself before and it take less than 15 minutes to fold and put away a load of clothes. Why is it so hard for me?

I'm trying to do better- I swear. During the past week before I would even allow myself to take off my shoes I would hang up my coat and spend 15 minutes straightening up. But here's the thing? Why should I have to be straightening up while my husband and I are gone all day. Why is it so hard to just put things away right away or clean up before heading to bed? I have to constantly remind myself that I have the same amount of hours as everyone else and when I see people that cook, clean, work, and take care of kids I wonder how do they do it? Well they probably don't watch 5 hours of tv every night and they probably prioritize. Maybe I just need to turn off the tv for at least an hour and be productive. Wish me luck!

2013 goal achieved and New Year and New Goals

Just wanted to come on here quickly and say that due to a  generous and surprise Christmas bonus from my boss I was able to achieve my goal of paying off three student loans in 2013! I'm really proud of my self control and am happy that I was able to make that much progress.

This year I plan on paying $1,000 each month towards my federal loans. I currently have a balance of $16,900 left for my federal loans. If I maintain my goal of $1,000 a month then I will have paid off $12,000 by the end of the year which to me seems like an incredible sum. I'll only have $4,000 or so remaining then on federal loans and provided I continue to pay minimums or slightly above minimum on Sallie Mae I'll have about 20,000 left on them by the end of the year. I'm really adamant about paying off my loans because I think my husband and I are starting to think about children. At the beginning of the marriage we had agreed that I would be a stay at home mother and so I probably won't be working after I have children. I want to pay off as much of my loans as possible before that happens because I feel like my education=my loans=my responsibility.

I know a lot of people say stay at home mom? But my husband is military and in his branch frequent deployments are a very big possibility and we don't have any family nearby....so yeah. Although to be completely honest- military or not- that is how he was raised and that is what he (and I)wants for our children. Provided we have the means to do this- I am ok with it. It goes against everything I learned in my feminist, all girls high school- but hey- high school was a long time ago. :P