Not Waiting Until 2014 to Clean My Financial House

            I transferred some money from my savings to my checking to payoff my Perkins student loan. I figured that I had the money why wait until 2014 to pay it off.  Furthermore, it would decrease my indebtedness, increase my creditworthiness, receive a payoff letter that I can send to all three credit bureau, and help my 2013 tax situation. 

The momentum I created today won’t stay in 2013. It would continue well into 2014 because I aim to payoff another student loan.  I have already decided to pay money each paycheck to accelerate my repayment. I will be done by July 1, 2014.  When I receive my state and federal tax refunds, I will use these funds to pay down my debt. Improving my finances are a 2014 resolution.  Even if it means my missing NBA All-Star then so be it because my credit rating matters more.

Somethings Are Just Necessities

            I am adding up all of the charges for renovating my space.  I have purchased a new Origami shelf, three Winsome fabric boxes, and carpet.  I am fretting over the amount. Then I realized that I need these things to be up to code. This isn’t about wasting money. When I transfer the $800 from my savings to my checking, I need these things. This isn’t a pair of Stewies. I must de-clutter my space and purchase carpet so that I don’t get fined. Somethings are just necessities.

            I pride myself on self-assembling my fourth Origami shelf. It gets a little sticky but after taking off my sweater, it unsticks. I do think that I don’t need the Winsome fabric boxes because I’ll probably put my shoes on this rack. I will await my carpet to see how much space I have to cover up. I am just happy that everything is coming by tomorrow so that I can go and get my hair done Thursday then pick up the rest at Target on Friday.

It just seems like everything is coming together so when Monday rolls around, I will be A okay. The bogus debt collections thing will be over with since DC Attorney General is handling it. I have scanned my fake bill emailing it to my case worker. I will follow up via email asking him about receiving my email and speaking with the compliance officer. I will reinforce the DC Attorney General retrieving a formal letter from bogus debt collector about not having my file and not selling this fake debt to any other collection agencies. I want to formal letter. If my case worker doesn’t respond by Wednesday mail a letter with copies of the correspondence because I want the DC Attorney General to know that I am on the case monitoring them.  I will not rest until I receive a formal letter from the company that I can mail to the three credit bureaus.  All of my problems are going away and just in time because I need some peace at home. 

New Year's Day 2013: Creating a Financial Legacy

My aunt called asking if I cooked greens and black-eyed peas for good luck this New Year.  I said ‘No, but I paid all of my January bills in December.’  It just hit me that financial empowerment will be my family contribution.  It is essential to make the same effort to retain a good rating as it is to keep traditions alive.  This 2013 I will see my second promotion this April, earn my PMP certification after taking off 2012 to adjust to my new job, and work on launching my own t-shirt line and pop-up shop business. All of these objectives are financial-related.  I guess that I have broken out of the whole ‘good-job’ mentality and evolved into creating a tangible financial legacy.

You Cannot Give with a Closed Palm

Increasing my philanthropy has been one of my 32nd birthday wishes so receiving the DC Dress for Success annual luncheon invitation has made my day! Attending this event enables me to realize my personal objective. Having donated money and shoes, I am an avid supporter of this organization because it ensures that women can wear professional clothing, get jobs and feed their families. In addition, the ticket price is affordable. Furthermore, since one of my social service organizations holds clothing drives, I will ask if I may attend this program and give a report at the general body meeting. Since I am picking out my annual event table, I might as well infuse something that’s free! More importantly giving to DC for Success is about lifting as I climb.

This has always been core to my being because no one gets here by himself. Also I want to see people do better. Moreover, charitable giving shows my money maturation because one year ago I could find afford this ticket. However, after signing a one-year rental contract which keeps my costs down, my band promotion, and paying off a student loan, I have enough money to give to others, and in a way, myself.