Life Lately: School + Crushing Our Debts

658E32E7-4340-49AB-BE84-8B17987201C5.jpegAnatomy + Physiology keeps me busy!

Wow – it has been almost two months since my last blog post! Yikes, sorry guys. And there’s been a ton of changes that happened in that time frame. Lately, Jared and I just work a lot. I don’t work as much as he does but I’m working 5 days a week and going to school so sometimes I feel like I “work” all the time haha. He just got back from Texas on Wednesday and was gone for 5 days for work. At the end of January, I asked for my job back at Harrah’s Casino in the fine dining restaurant. It’s amazing money and only open 5pm-10pm w-th, and sunday, and 5-11pm on fri and sat. I seriously couldn’t ask for a better serving job while in school since it provides me with full time income.

We’re on track w/ our Dave Ramsey plan (we’re on Baby Step #2) and have been making some good strides so far, which is what I’m most excited to tell y’all about! I paid off one of my private student loans through UMKC yesterday – the balance was $665.14! And paid $1,350 toward one of my credit cards, leaving that balance at $877 (We plan to pay that one off next month, hopefully)! Jared works a ton of overtime & I had a great week at work, ans since our bills our paid for the month, we wanted to put as much as possible toward debts. It feels so good to be paying debts off!! Our goal is to have smaller credit cards paid off by summer, before I start either PT or OT school, and then to start really tackling our big credit card. 2018 is going to be a great year for progress – i’m proud of us for buckling down and doing this. And I won’t lie, it’s not fun having to be frugal and spending tons of money on debts instead of clothes or fun stuff (haha) but it’ll be worth it. Then, can start traveling more/experiencing more instead of being tied down to so much! #goals

Aside from that, we’ve just been homebodies! We have opposite schedules now so we don’t get a ton of time to spend together anymore but it’s a short-term sacrifice we’re willing to make. I’m gearing toward getting everything in place to apply to either the Physical Therapy or Occupational Therapy Assisting program at my local community college by beginning of summer. I can’t decide which one I want to do yet because I love what each represent & do in their respective fields. Either one would be a great fit for me but I plan to do more shadowing so I can really narrow it down. If you know of someone or are someone with experience in either field, let me know your thoughts and opinions!

In other news – and I have my 2nd Anatomy and Physiology test this next Wednesday and it’s super detailed. My first test I nailed and got a 96%, from a lot of hard studying! So I know I’ll do well again if I keep studying everyday like I have. Just have to believe in yourself is what I keep harping in my head. On this test, I have to know all the muscles and bones – which includes landmarks, orgins/insertions, what they do, how to identify them, etc. Wish me luck!

Ok, this is getting long so I’ll log off and update with more next week! Thanks for reading.

xo Danielle

 

Reality Check

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This post is going to be the most real I’ve ever been here. It’s going to be personal, and in depth. It’s REAL. Because that’s who I am.

The truth is…

This winter has been so much harder than last. And I definitely don’t mean weather wise. Last winter I had newly begun selling LuLaRoe and the money was soo good, y’all. It was the most money I had ever made and just from selling clothes! I was amazed at the potential and how much income I generated in just a few hours time a night. It was like, stupid good.

Well, this winter is different. First off, my sales slowed tremendously. Partially from lack of effort, I won’t deny that, and lost motivation. Also due to the feeling of regret of not pursuing Occupational Therapy, which I gave up to do LuLaRoe. Now, I have hundreds of pieces just sitting in my basement and all I can think is how much money (thousands of dollars) was invested. That is all I can think of when we are drowning in $30k in credit card debt, $40k in student loans, car payments, and so much more. It’s scary, it’s exhausting, and it’s just time to make a change.

We have made poor choices financially. We even used a credit card to start LuLaRoe and then never paid it off except for making minimum payments. All these terrible decisions have snowballed. Now we’ve learned from all this & have to just work our asses off to pay it all down/off. So… it’s why I decided to liquidate my LuLaRoe business (which I’ve had tons of questions about why I am, so this is it). At this point, I just need to pay off as much credit card debt as possible and will even work double shifts serving again to get in a better place financially. Literally. Lord knows my husband cannot possibly work anymore – he’s pulling 70-80+ hours a week and he deserves so much more than to work his life away. So let this be a humbling learning lesson and life message to us and anyone reading this: if you can’t afford it with cash, you don’t need it!

From our hardship, I’ve started following Dave Ramsey methods, we stopped eating out, I’ve applied at other jobs until I can start OT school, and we are determined we are going to come out on top of this. It’s just temporary, we’re going to get through the mess we’ve made. I’ve wanted to speak on this for so long now and I’ve been scared to post about it. Scared to open up, feel and be vulnerable, share our private situation, and to just show you that despite the happy face someone can wear, their world could be falling apart on the inside. That’s how I’ve felt recently and I know I am not the only person in the world who is struggling, in some way.

Today I paid our past-due personal property taxes and had to shell out $1300. And in 10 days have to pay another $700. I went to my car afterward and just cried. Cried feeling so overwhelmed, cried because I feel like a failure, and cried because I hate that I’ve been so irresponsible. How could I be so bad with money? Why have I not learned and improved? I’m angry with myself and disappointed but I decided to have a 5 min pity party then moved on with my day. That’s literally all you can do when life sucks I think; have a small pity party and then do something about it. Thankfully I start another job next week and I’m liquidating my inventory to help pay for Christmas and bills. I just keep telling myself, it’s going to be OKAY. You’re going to get through this!

So there it is. The scary monster we’ve been hiding in our closet: we are in debt, we struggle, and we’re stressed. This is my accountability post because I am going to use this to fuel the fire, to look back on when we’re free of debt, and to also keep encouraging those going through similar struggles. And just because I personally like reading people’s posts who are just real and open, it makes me feel so much more connected and related. Anyone else?

On the bright side, I’m finding out how much I love finding good deals and low prices. It’s addicting! Bring on SALE everything! I’m all about trying to save money now since following Dave Ramsey, so it’s def working. What tips/tricks do you have for budgeting? Any places you love to shop for great deals? Fill me in and let me know!!

Thanks for reading and following!

xoxo Danielle

Living For the Weekend

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OUTFIT DETAILS

TOP: LuLaRoe | CARDIGAN: LuLaRoe | JEANS: Charlotte Russe | SHOES: Matisse
| BELT: Amazonicon

FB7E7368-421E-412F-9761-6F856A6EE5C9

OUTFIT DETAILS

CAMI: JC Penny (dupeicon linked) | CARDIGAN: LuLaRoe | JEANS: Charlotte Russe | BOOTS: Charlotte Russe

Why does the weekend fly by so fast? The week was really busy so I definitely needed that reprieve. This weekend the weather got soo chilly! It felt more like winter weather versus fall. Our trees here in KCMO don’t even know what to do – they started changing colors pretty late in season and then now since we’ve had a couple frosts, the leaves are falling! So we have trees that look like a combination of winter and fall lol Colorful and half naked. It’s the weirdest thing, the weather is totally out of sorts right now. icon

Saturday we spent time with family for a intimate gathering for Halloween. My step-dad LOVES Halloween and goes ALL out! I love his spirit for it, makes it so fun. This was probably one of the first years that I didn’t dress up. Oh well, there’s next year! Maybe I’ll be something tooth related since I’m a dental assistant now (haha). Anyway – I ate too much candy and chips ‘n dip but I loved spending time with fam + Jared so it was all worth the calories 😉

My new job has kept me really on my toes with learning and balancing LuLaRoe, not to mention blogging and taking pictures! I’m figuring it out, hoping to catch my grove soon. I’m really considering Dental Hygiene School for the next fall if I can get all the requisites done and finances figured out. I already have my BS degree so I would only need a few classes and lots of shadowing hours. I never knew how much I loved the dental field until this job came along. Fun fact though – I tried to pursue dental hygiene back in 2011 but went with another major instead. Should have just went for it! So this has probably been a long time coming. I am going to sit on it for awhile though to make sure I’m 100% sure before making any big decisions. I just pray that the Lord leads me where I am supposed to follow; a place where I can continue to serve and help the lives of others.

Tons of items at Charlotte Russe’s and LOFT
icon are on sale right now – be sure to snag yourself some great deals. I absolutely LOVE CR’s jeans and LOFT sweaters. You won’t be disappointed, lovely!

Have a beautiful week!

XOXO -Danielle