Wednesday, July 18, 2012

How we eliminated $10k of debt in 6 months

So,I have been wanting to write this post for a few weeks now,and I feel this is a good time. I currently have alot of time on my hands because I am not working for about 6 weeks. Mike and I decided that with me working so incredibly hard for 6 months to get us out of debt,it would be fair for me to take this time off to watch the kids while they are here in Ft. Worth,and for me to just relax and recuperate. I plan to work when the kids go home,at the Massage Envy in Arlington very part time. We have also decided that in February we will move to the Arlington/Mansfield area since Mike's permanent promotion was in Arlington.

Anyways...on to the debt. Holy crap we owed alot of money. Around $13,000.00 to be exact. Between my school loan,wedding loans and being stupid with credit cards...yeah we were so far in debt we were having trouble keeping the fridge...not exactly full...but barely stocked. Mike and I realized we had to do something,because neither of us could continue to live this way. When Mike lost his job at 5 guys last year,he took a significant pay cut,and that was when our trouble really began. Luckily with his newest promotion he is back to making around the same amount,but with how much child support he pays,it's still tight. I had planned to work right away at the Massage Envy in Fort Worth,but we couldn't figure out how we would juggle schedules with brand new jobs and the kids coming here. That was when I prayed and thought about it alot,and suggested to Mike that I stay in Lubbock from Feb-July and just work as much as I could to get us out of debt and so I could take the summer off to watch them. Mike's parents were gracious enough to let me live with them completely for free,and I attribute our success with this (and the future) to them. I worked at Massage Envy for almost 3 years so I had very steady clientele and knew I could get us out of debt easily with my checks going straight to it,and Mike taking care of the bills in Fort Worth. Was it hard?Definitely...I rarely ate out,didn't buy anything for myself, lived on as little money as possible,and worked on most of my days off either at work,babysitting, or out calls. It sure did pay off though. Not only did we eliminate almost all of our debt (I only have about $1500 left on my school loan,and $1000 left on a wedding loan,) my credit score soared through the roof,and that was how I was able to get a brand new car with a 3% interest rate, (I was previously paying 9% on a 2008 Nissan that I HATED!)

So I guess I am posting this because I hope it helps anyone who may be in my former situation become inspired to take control of their finances and debt. It wasn't easy at all, I saw my husband of 3 years 4 times in 6 months...but we knew a hard 6 months would make for an easier life for years. I just encourage everyone to really set and stick to a budget,and most importantly....only use credit cards when absolutely necessary!!    :-)

Heather

Thursday, December 15, 2011

Goodbye,for now.

I have weighed the pro's and con's of writing this particular post for the last month or so,and I have finally decided to do so,probably because I am becoming somewhat of an insomniac and don't feel my filter completely turned on right now. So,here goes...

Here we are a year later...a year ago last week we found out we could have a baby even though the odds were unfavorable,but we were still on cloud 9,we felt we could take control of the wedding debt,and we knew for sure we would own a beautiful house. A year later...we are not pregnant,we are in considerably more debt,we got flat out denied for a home,Mike lost his job (thankfully he found a new one),and we are moving 400 miles away from our families and friends,and neither of us want to. 2011 was not a good year by any means,and sadly I left 2010 expecting for this to be the best year of our lives. As far as starting a family goes...that is still undecided whether or not we will continue to try. After a year of unsuccessful trying for a baby is when you are deemed the dreaded "I" word...that added to my translocation...lets just say the odds are not good at this point. Not to mention my heart and mind cannot physically or emotionally take any more unsuccessful attempts for now. I may just have to accept that I may not ever be a mommy...and be okay with that.

I really planned to write more,but that is all my heart can come up with. So, goodnight and goodbye....for now.

Heather

Tuesday, October 4, 2011

Replacing Facebook for blogging...for now anyway!

So as you all may have seen,I had a bit of a breakdown and suddenly deleted Facebook and went into hiding mode for a few days,here is why. I am a people pleaser and I am fully aware of this. So I started to feel like I needed to keep up with things like going to Zumba everyday of the week,exercising constantly,posting happy things about work,and staying positive about not being pregnant yet. This probably sounds nuts to some,but that is how my head works. Also,I was constantly checking facebook from my phone...like literally every 2 minutes when I wasn't working. That is ridiculous. At a time when I am so confused with our impending move to Dallas,struggling with getting pregnant,normal step family issues,and not being too happy with myself for letting my workout regimen dwindle down to practically nothing,I decided that I need to take a step back,and stop worrying about other's perception of me,because I know that no one is thinking "wow,Heather hasn't checked in at S57 in a while,she must be a lazy..." but I cannot convince myself of that for whatever reason. Another reason I am stepping away is due to all of the pregnancy/birth announcements. Please don't take this as me not being happy for you,but in order to regain my sanity,it's just best for me not to partake in that right now.

Mike and I have had a lot of added stress at home recently,not only with knowing we will be moving to Dallas but with our relationship with the kids. Ashley and I are fine now,and I feel like we are developing a really good relationship,but Alex and I (and Mike) are struggling. Alex has Asperger's,so he has a hard time with social interaction,but I have been around him for 6 years now,I would think he would be used to me by now. Alex did admit that he has a hard time getting close to me because of the issues with his mother and I. It's hard though to feel like a failure in the step parenting dept,but I have to wait for Alex to come around,because I have really tried everything to develop a relationship with him,but it is going to depend on when he is ready because frankly I am exhausted from the constant attitude and disrespect...no one said blended families came easy.

Well,like I may have mentioned,we are now entering our 11th month of TTC,they say 90% of healthy couples will conceive within 12 months of trying...but my BT does throw a wrench into the mix. We are using the Clearblue easy fertility monitor this month,because it has a very high success rate of pinpointing ovulation (fun stuff right?),so we are hoping that may help. Either way we may go ahead and wait to see a new RE in Dallas after we move. I don't feel it would be wise to begin clomid or any other treatment with Dr.Hales only a month before we move.  In other news,I am a huge fan of thebump.com message boards,and the ladies had been talking ALOT about a "baby psychic" named Cheri,and she has actually been right about quite a few of their pregnancies,so for $10 I said what the hell...here is what she predicted!

Hi heather


Thanks for being patient with me while I got back to your reading. They show you guys having a BOY and they relate him to SEPT so this is either birth month, conceive month or the month you find out in.


When it comes to your son, I am seeing him as someone who is always interested in how things work. You will find him to be able to pay close attention the mechanisms of things and then trying it out for himself. You will find that he has so much fun with trying to figure it out himself and you will be amazed with the type of things that he knows and you didn't realize that he figured it out already.



When it comes to your son, hes someone who is always going to be doing something> loves to keep himself occupied and is not one to want to just sit there and do nothing. Hes going to enjoy watching TV as long as its something that is entertaining, a bit fast paced and action based. Otherwise hes playing with his toys, using his own imagination and just having a good time. Hes always going to love playing with other kids and seeing him always calling on other kids in the neighbourhood to play.


Loves playing in forts, and often wanting to take some of the blankets outside and making a fort. They are showing a few of them getting wrecked, but he is pretty good about taking fairly good care of it.


When it comes to your son, they are showing school being "easy" for him and I am seeing you often giving him extra activities to challenge him a bit more and really feed into his curiosity. They are showing him always up for any challenge and will always help when needed.


When it comes to career paths, they are showing your son linked to working in an engineering field. I am seeing alot of specific mechanical type parts, things like fuses and other type "plugs". I am not sure what these parts do.



When it comes to marriage I am seeing him closer to 26. They will have two girls of their own.

Let me know if you have any questions
Best Wishes
Cheri


Side note- Mike agreed that this sounds just like his and Alex's personalities...so we will see!


Tuesday, September 27, 2011

Everything is bigger in DFW

I wanted to update everyone about what has been going on with us recently with some news of moving,and our TTC journey.

When Mike was offered the job with SC we were told it would not be for a Lubbock position,but we wouldn't move out of TX either. We knew it could happen sometime after Christmas so we have been mentally preparing,since we did just move into our rental home. We found out a few weeks ago that we will in fact be moving to DFW in January. Mike will be working in Mansfield,but we haven't decided where we want to live yet. Next month when I go to NYC,instead of coming back to Lubbock,I am flying into DFW where Mike will meet me,and we plan to spend a few days looking at cities,homes,school districts etc. Most likely though,we will live in Arlington. Mike and I have both gone through a lot of emotions,especially with Mike moving away from Alex and Ashley,but I have lived in Lubbock since birth,most of my family is here,I have been at my job for 2 years, and our Maternal/Fetal Dr is here,and I had planned on going through our pregnancy journey with him.We are both excited though,since this we be a journey for Mike and I to experience together..

Now to the TTC issue,yes we are still trying. We are now on cycle 11,which is disappointing,but with my Balanced Translocation (refer to my first blog post) it can make the entire conceiving journey more difficult. The good thing out of this,is since we are now nearing the 1 year mark,we can start doing more testing with Dr.Hales and hopefully speed up with process before we move. Dr.Hales had told me that he has Dr's he works with closely in Dallas,so that is comforting. I have had so many different emotions through this journey so far. I have had a lot of resentment towards God at some points,because it seems crazy that I am the 1 out of 1000 births that has this chromosome disorder,that is making the process of trying to start a family a pain in the ass. There are 16 year olds all over the place with babies that they cant take care of,but we are a married couple ready for a family,and having trouble. That is when I have to think back to the day we met with our Genetic Counselor,we went into the appointment expecting to hear that we would have to adopt or do extensive IVF,but she didn't say any of that. She told us that we can have our own healthy baby,at some point. As we near the 1 year mark and our 2 year anniversary,I can only hope and pray that we get our BFP soon.

That being said I wanted to offer up some advice to those who know someone experiencing trouble TTC. I have heard it all,and it never gets easier...truthfully I want to scream and walk away when I hear these statements. They are neither helpful or reassuring. Just ask if there is anything you can do to help or simply say that you will pray for the couple as they go through the process,and wish them luck.

1.Just relax it will happen. Obviously it hasn't and I am well aware.

2.I bet when you stop "trying" you will get pregnant. Okay,we all know there are certain things that HAVE to happen to get pregnant.

3. It happened for us on the first try. Yeah,that's really what I want to hear.

4. You wouldn't understand,you have never had a baby. Well thank the F outta you. I had NO idea.

5. I bet their is nothing wrong with you. Ok I have had chromosomal testing done,I do in fact have a BT.

6. And my favorite...you can always just adopt or do IVF. You have a few thousand $$ laying around because I don't,and they are both upwards of $10-$20k. Trust me,I have done the research.

Until next time!

Wednesday, June 8, 2011

Update

Well friends,I was hoping by now I could create a blog saying we are expecting or something like that...but for now I cant. I have really had to sit down and take a deep breath with the whole baby adventure. As most of you know,Mike and I started trying for a baby in December with no luck to date. It is definatly disheartening to go from thinking I could never have a baby to hearing I can and now experiencing fertility issues. I know I know, there are the stories of couples trying for years before they get pregnant...we don't have that luxury...that's one of the sacrifices to be made when you enter into a marriage with a significant age difference. It is so frustrating...we are a married almost 2 years,happy, financially stable couple ready to have a baby only to experience problems. Of course if I were 16 and not planning,this would have happened the first try. I have had alot of anger directed towards God....alot of "why me's" but with the roller coaster our lives have been on the last few weeks,I think this is why I haven't gotten pregnant....now I can see,that maybe God was holding us off for our own good. Mike recently got a demotion from his position,with a significant pay cut,right when we were about to go through the home buying process. Unfortunately, after the wedding we fell back on two credit cards that have gotten out of hand (let this be a word of advice to those of you who want to spend $15k on your dream wedding) and we were finally at the point we could settle the cards and get us into our first home..and then the demotion happened. So we went from moving our lives in the right direction to having to step back and re-evaluate the situation. It is not the ideal situation,but we found a beautiful rental home that will allow us to have the room we need for the kids,and allow to take the next year or two,and get completely out of debt,and then maybe we can buy our dream home. So that is a little update as to what has been going on the last 7 months...hopefully by the end of the year we will have some good news for you all!

Monday, December 27, 2010

Christmas at the Swissler's

It's never been widely published,but last christmas was our first christmas married,I was working a crap job for $8 an hour,we had no money,were in debt to our eyeballs,the kids got 2 or 3 presents each, and that is also when our marriage started going south. So needless to say last christmas is one I never want to relive.

This christmas however,was fantastic. Mike and I couldnt be happier with our relationship,my wonderful job (and Mike's) allowed us to go way overboard on presents for the kids,and just the simple fact that Mike,Alex,Ashley and I all woke up in the same house on christmas morning for the FIRST time ever,was amazing. My family came over on christmas eve and we all talked,I made mom's homemade eggnog (which is a must in the Howard's family; It's amazing beyond words) and after all the guests had left we put the kids to bed in our room so Mike could sneak their new bunkbeds into their room! So Mike spent an hour doing that while I layed in bed with the kids,rubbing Ashley's back for 30 minutes and watching one of their gifts; Despicable me! So Mike and I slept on the couch while the kids had our room,and 5 hours after sleep we were pounced on by an 8 and 11 year old at 5:30am ready to open presents. Needless to say the kids had a great christmas this year,as did Mike and I :)

Here are a few pics from the day...forgive me it was 5:30 am and I had only gotten a few hours of sleep!

                                                         Ashley was hiding in the box
                                                                      The loot

                                                       Sasha was helping Alex apparently

                                                           New helmet and skateboard!

                                                                    Cheesy Smile ;-)
                                                                 Kids new bunkbeds!

Monday, December 13, 2010

Oh Christmas Tree....

So I have had real Christmas tree's all my life. I can't do a fake one,I have to have the smell encompassing my house and all. Well I decided the week after thanksgiving was time to get our real tree. Like some miracle we found the PERFECT tree and I couldn't have been happier. Sadly though we noticed said tree was not soaking up any water. I prayed and prayed for my perfect tree to make a comeback,but last night we laid it to rest in the dumpster, and had to go out and get another one...which I'm still deciding if I like or not. So here is my memorial for my most perfect tree,that didn't make it.