Wednesday, March 31, 2010

A day like any other....

Since we weren't intending to take a day off school, but we have - the boy is terribly sick and like most of the male species is requiring almost constant attention while ill. So here I sit, not grocery shopping or returning library books or anything else I was supposed to accomplish today and I thought "I'll just write my blog"! Here I am again folks - ready or not!

I have some dear long time friends who just put an offer in on their very first house! That first buy is so awesome - it also makes you want to throw up with all the waiting!! So, Shan and Jay I wish you the best of luck - I hope your dream comes true!

Last time I blogged I discussed my obsession with being obsessed about something, ANYTHING! Just let me plan and plot and do spreadsheets!! I guess it's the one thing about my old job that I can't get away from - need a spreadsheet? I'm on it! Want me to crunch some numbers? I'm there! I only wish I could organize other parts of my life so well. ahhh what can you do?

Anyway, after much consideration my new obsession is getting out of debt. Did you know there are like a zillion theories about getting out of debt and most of them have names that have something to do with snow? Avalanche, snowball, snowflake - hmm thought we were talking about money here! I get it though, they need to be called something. Also, most people consider a mortgage 'good debt'. Seems like an oxymoron to me. Anything that has the word "debt" in just can't be good. Of course that's only my convoluted non-trained opinion! Those financial guys went to college for this you know.

Anyway, after looking at a plethora of blogs about getting out of debt and seeing that we have a lot of it - I decided it was time to buckle down. Of course, planning stuff out is the easy part - sticking to it, not so much. But I'm determined. The plan changed - first I was going to do the avalanche, then the snowball, then the payment that annoyed me the most (which by the way is a realistic way to do it!) but now, I'm back to snowball.

The problem with paying off debts snowball style is that it mathematically doesn't make sense, which is one of the reasons I've been struggling to come up with a plan I like. But after considering all the options it seems like the best way - for now. To see any bill have a balance of ZERO. Oh the awesomeness overwhelms me when I think about it!! I'm easily amused and entertained sometimes.

So, there it is - getting out of debt - my new obsession and a pretty darn reasonable one if you ask me! So, my two blog followers - I'm going to share my journey with you. Instead of my Twitter updates I'm going to show you the progress in this quest. Oh, I know, you're so sad about the Twitter updates - but I might bring them back when all is said and done. The rumor is they are going to make us start paying for Twitter - I'm sure it's a lie, but you never know in this day and age.

Maybe I will get some more followers who realize we are terrible at managing money and if we can claw our way out anyone can! Maybe I can be a beacon to other people who lived it up and are now paying the price. Maybe - oh what the hell - today is March 31st 2010 and we are $308,150.15 in debt. We are planning to be debt free by November 2035. Yes, that includes the "good debt" of our mortgage.

Friday, March 19, 2010

I must obsess!

It's official - I HAVE to obsess about something. I'm not sure what it is about my genes, character, or whatever it is that makes me that way - but there it is. Anyone who's read my blog more that twice knows that I usually obsess about homeschool. ANYTHING about homeschool - curriculum, schedules, am I missing anything, and on and on it goes. Well, since we have pretty much figured out what we are using and I've relaxed enough to realize that Zach is smart - but kind of lazy, he hasn't asked me a question that I can't find the answer to, and I'm competing with SC public schools. So, with the curriculum worked out for the rest of this school year and quite possibly the next few this left me with nothing to worry about all time. What do I do with myself if I can't plan out the next year? What do you mean I can't make chart after chart just to throw them away and start again? AHHH!! What do I do?

Well of course, me being Kris, decided to find something else to obsess about. Why can't I keep the horizontal surfaces of my house from becoming cluttered after only one day? Is there a way to force myself to run the vacuum every day? Is dusting really that important? Why is housework just so icky? Those didn't take too long to figure out - I don't know, no, no, and just because. Done with those - what next???

Paint. Yes, we've lived in our house for almost four years and have only painted two rooms in the house. I know, there are three painted - but one was painted when we moved in so we can't count that! That kind of makes me sad. After deciding the whole house needs to be painted I've spent the last couple weeks thinking about paint colors, buying those little sample cans, slapping splotches of paint willy nilly in just about every room of the house. Sadly, with the exception of three rooms I have it figured out. I'm growing attached to the paint splotches though - wonder how long I'll keep them there before I actually buy the paint. Hmmmm So, now that I have that figured out, and many days of painting before me, now what??? I know, most people would say "Wait! Don't move on until you have the painting done!" but that's not me. I need notebooks with plans written and rewritten. I need something to do with my insomniac self on those nights when I don't take my sleeping pills. I need something to obsess about!! I found it. You knew I would, right?

Sadly, it's not quite as earth shattering as everyone would like to think. I know, I'm an extremely exciting person who lives this fun-filled crazy life - so I know y'all are pretty surprised by the non-exciting nature of my new obsession. Sorry to disappoint.....

"What is it?" Everyone's asking. All of you are thinking it. Don't look back, I didn't say it yet! I'm not going to either. Not this time. I have to figure some more things out - but look for the next exciting installment of "I must obsess!" I guess I could be super creative and call it "I must obsess II" or something equally cool and random. Hmmm perhaps I've found an obsession to divert me from my current obsession......

Monday, March 1, 2010

Schedules

We very much have tried to start a schedule all up in this mess of school, scouts, housework, and all of life's little "gotcha's" that come along. Honestly, we have. But here I am, at a very early (or late!) hour writing. No, I didn't go to bed a wake up already either....

We did have a schedule somewhat together before we went on vacation and it was working pretty well. There was a lot less aggravation for both CG and myself. School got done before midnight, errands actually got accomplished, things were looking up for All Saints AND the mother/son relationship (as opposed to the teacher/student - which was also looking up). Now, somehow, we need to work our way back to the 'schedule family'.

Anyone who knows me, knows I'm not a HUGE fan of schedules. "ish" is a very real time in my world (we'll be leaving about 1:30ish - you know what I mean here!), so when I start thinking of ways to get back on schedule, you know this is a very disliked concept that worked! I'm am going to work very hard to have us moving in the right direction and almost there within the next couple weeks. Tuesday should be easy - I have an 8:15 doctors appointment (OMG what WAS I thinking when I said 'yes' to that?!) and he'll have to get up and go with me! Scouts should be very interesting that night...

My point - well, I don't know. I guess it's just that I'm frustrated that what was starting to come together really well, fell apart way too quickly.