Update

So we got the house, we moved in on August 31 - it feels so surreal.  I keep feeling like someone's gonna come to the door and tell us to move, lol.

We've been working hard to at least get stuff put away.  We have NO furniture - I need new furniture for every room.  But its gonna be a process.  No need to go and get in over my head in debt trying to impress people.  Id just rather wait to I have the money and buy it outright.

We are avid HGTV'ers - so we've been enjoying the process of getting things the way we wanted it.  My grass is only 50% dead now, lol.  And my bushes are starting to sprout flowers.  There are so many things that we just did not know about homeownership and taking care of a home....like I was at home depot the other day ready to buy some annuals - so that they could come up every year.  Then the salesman asked me - have you looked at our perennials? - so i decided to engage and say....what exactly is a perennial?  He said they come up every year, annuals are only good for one year.....So I had them totally confused, lol.

My dog is enjoying the deck and the freedom to run around in the backyard.

more to come....gotta do some work, so i can afford the mortgage.

Tatiana

Read More

HOMEOWNERSHIP UNIVERSITY

We officially got word today that the bank accepted our short sale offer.....so we're buying a house! OMG....so excited everyone

Read More

All You Magazine for $8 (maybe even $5)

There's a great deal on Eversave.com today that I thought was right up your alley!

58% off summer beach mags: Everyday with Rachael Ray, All You and more
http://eversave.com/share/tKpA

Because I am sharing this with you, you can get an extra $3.00 off this deal by entering promo code SHARE at check out. Hurry, before the deal and the promo code expire!

Use promo code 'SHARE' for an additional $3.00 savings             

Read More

First Time Home Buyers

So the hubby and I have started the home buying process.  We are looking for a home in the Palmdale Area.  And we have found one that we love - again i know right.....lets check her out:


So we're in love with her - and we submitted an offer - its a short sale.  The sellers have approved our offer - so now we're waiting on the bank to approve us.

This is such an exciting time for us.  A little stressful - because we submitted our offer with no closing costs - so now we have to basically bring a million dollars to the table. (well maybe I exaggerated a little).

Pray for us!

Read More

Financial Peace University Graduate

7 days ago, my husband and I became graduates of Dave Ramsey's Financial Peace University.  We have been eyeing a home in Palmdale...actually here she is:

7 bedrooms 3757 square feet and enough room to build our pool when we got the money.  We have been watching it for a few months.  Then I happened to check in on it, this past Sunday evening, and the price dropped from $335,000 to $307,000 a whopping $28,000.

I told myself, that we could not even begin to LOOK at homes until I had paid off my smallest credit card.  BUT....$28,000 how could we pass that up?

So, we decided to contact a lender to see how much house we could afford.  Well turns out - that because of all my massive student loan and credit card debt - we can only afford $175,000 worth of home and not $207,000 worth of home.... *tear*  I know.

I've been majorly sad all day.  But decided to re-focus and continue with my gazelle intensity.  I no longer have access to the free Dave Ramsey debt snowball calculator, but I found this aswesome debt snowball calculator.

As of April 20, 2011 we have a total of $130,793.87 of debt.  $15,996.50 is credit cards, the remaining balance is student loans.

My Debt snowball calculator says my expected debt free date is February 2022.  Yup, you read that right.  11 years from now, lol.  But, im not gonna let that discourage me.  I BELIEVE that I have the desire to get from under all of this debt, and do it as FAST as possible.  So no, this blog article does not say how I got out of debt in 2.5 months or something really incredible, but it does say that I have hope.  Hey, it was much more than that before, i've knocked out a pretty nice "lil" chunk.....but I still have a long ways to go. 

I'll keep you guys updated on my progress.  Things that I do to penny pinch etc.

Read More

Extreme Couponing

I have recently begin (semi) extreme couponing and I am loving it....its time consuming and unsure of whether I would have sufficient time to devote to this weekly.  However, I am loving all of the savings, and my husband is loving all of the free deodorant and body wash. lol.

Read More