Plans For 2011

I have finally sat down and made a plan for my life, well part of it anyway. I know it may not go exactly as I want it, but I am gonna do my best. I have only gotten through 2011 for the most part, but it is the beginning of the rest of my life.

To begin with I have found a school that I can attend to get my Real Estate license in a fraction of the time it would have taken me to get it at the Community College. The school is Champion School of Real Estate.  This school is also going to be a fraction of the cost. I am hoping to start after the first of the year, and should have my Realtor license by the time I have the baby in June.

After I have my license I plan on working with a Realtor company for about six months, and then I am planning on moving to Colorado by the end of the year. I want to make this move to have a new beginning in my life, and feel it will help me in every way.

Until now I have always worried about what other people think about my choice in life, but I can no longer do that. I am making a life changing plan for me and my child, and do not think anyone has any say over whether I can improve my life in this way or not. I now have my plan, and will do everything I can to make it all happen.

Need to Vent

I have been trying not to get overly stressed about my finances, but I can't help it. I am now faced with the possibility of having two new babies soon, and worried about working during all of the pregnancy. I was told I couldn't work last week because I was sick, so i missed two days of work. I only work part time as it is, and only earn minimum wage. I still have to keep my head up.

The positives of the last week or so is that the baby/babies father is starting to come back into the picture. Once he realized that I was not lying about him being the father he knew he did not want to miss everything. He did tell me that he was going to try to have everything taken care of. I truly pray that he does, because I want to be able to provide a good future for the baby/babies.

I know that everything is going to work out. I just have to stay focused on the things I want to do, and provide. I am preparing for the worse financially, and hope it does not come to it. I am hoping that i have enough put away in case I have to take maternity leave early, and plan on not receiving an income during that time. The only income that I will have coming in will be my online income, and it is not that great at the moment. Maybe I will get rich with my online work over the next six months :)  It never hurts to dream!

I Have Never Been More Motivated on My Financial Future

It is so funny how becoming pregnant has changed my thought pattern in a lot of ways. Instead of only thinking about me, I have another person to think about. I may even have two other people to think about if it turns out that I am having twins. (I will find out in a few weeks) Now I see why so many moms work there behinds off. I want to be one of those moms that work hard and can provide for there children.

I have never been so focused on making more of an income, and getting all of my finances in order. Everything has been crossing my mind; unpaid maternity leave, possibility of having to take maternity leave early, planning for the future of the baby(babies) and so much more. I am trying to plan for the harder alternatives so I can hopefully be better prepared when  thinks actually work out well. I guess its those motherly instincts that everyone has been telling me about.

School is still in my future. I have to pay $700 to a school that I went to a few years ago so I can get my transcript, and then I will be applying to attend the community college in my area. Planning for this will help my babies future, as well as my own. I just know that the next few years is going to be a struggle, but it is going to be well worth it when it is all said and done. I will be going to school to get my degree in applied science. I am wanting to get into real estate. I have wanted this for years and I am now focused on getting it done.

To prepare for everything I am pushing to earn more online so I will have an income coming in just in case my maternity leave comes early, and because my maternity leave is unpaid. The income will also help with so much more in my life. I have decided to put more of a schedule together, and just have more focus. I know that everything is going to work out, it is just going to take focus and determination from me.

Credit is going to be getting better soon

I am finally feeling a little more confident about my credit. I did have a few things removed from my credit, which will help. I have also now received my secured credit card. I have decided to use it to pay my storage bill every month, and then pay it off. This will help prevent me from using it for unnecessary purchases. The balance owed monthly will be less than half of the available balance, and it will be paid in full every month. Those two factors can greatly increase your credit score in a shorter amount of time.

In addition to my secured credit card I have been paying my monthly payment to the government student loans. I have paid the payment on time for four months now. After six months I will be able to get additional student loans, and after 9 months my student loans will actually go from a negative on my credit report to a positive.

I am figuring that my credit score will be increased by at least 100 points by April of 2011 with the things I have been doing. After my score has been increased and has some positive transactions on it I will then try to get financed for a reasonable car. This may be a little more difficult with my low income, but I am hoping that my income will actually be increased as well.

In other areas of my life:

I had to go to the hospital last night due to being sick. I have bronchitis, which is not to bad. The news is that they listened to the heartbeat and actually heard two in addition to mine. I am not 100% positive about it being twins, but it is enough to have me terrified. I am a single first time mother with a small income, and to have two babies is very scary for me. I am scared, but I know I will get through it. I feel as if this was a plan from God, and it is what he wants. I will get through it with planning, support from family, and hopefully increasing my income.

Minimum Wage

I have been reading a lot of articles about working for minimum wage, because that is what I am working for at the moment. I actually read one comment on an article that said only teenagers work for minimum wage, and that is so untrue. I actually began to be upset about it, but I shouldn't be. I have a job, and I am paying my bills. I see people all the time losing there belongings because they are to proud to work for minimum wage. You should never be ashamed to earn an honest income, even if it is much less than you are used to.

I wrote an article today about living on a minimum wage today to show people what they can do to live on minimum wage. I see this as a temporary situation, and will be bettering myself.

How to Live on a Minimum Wage

Reading Financial Articles

I have been reading a lot more about finances, and I have began to get more motivated. There is a lot of helpful information online. Three sites that I actually write for is very helpful. The sites I write for are Ehow, Firehow, and Associated Content (Now Yahoo Contributing Site). These sites not only pay me, but I get a lot of helpful information about my finances. I take a lot of time to read articles about people financial journeys, money saving advice and a lot of other things. Reading these things can be very motivational to me. I find articles that read as if you can tell the individual actually knows what they are talking about, and not that they just threw things together to make a little money online. If you are seriously trying to get your finances together, take the time to look through articles on these sites. You will be able to find things that are very helpful. You can find articles on things like; saving money, making money, investing money, and so many other things that will help you.

Just an update of everything

Well in the last couple of weeks my thoughts of my financial future have changed a lot. I am now pushing more towards making sure my child has a better future. I did get the secured credit card, which is going to help me improve my credit score. I will be opening a savings account in the next few weeks so I will have money for when the baby comes, I know how expensive babies can be. I am also looking into many types of assistance online and other money saving ideas. I am finding a lot that is very helpful.

My job is going great. The owner knows that I am pregnant and is always checking on me to ensure that I am doing OK. He has also increased my hours starting next week. I still will only be part time, but 6 hours more a week will help. Since I have quit the other job I have actually been doing a little better financially. I now only spend about $10 a week on gas, and I work at a food place so I save money on eating.

I am scared and excited all at the same time. I do feel that I will be able to provide for my child, I just have to work hard. I will go back to school after the baby is born. I have help from my family, so I will not have to pay for childcare. I am starting to put more money away because I am not only worried about me anymore. I feel as if I have more purpose now, financially and otherwise. I have more to push for. I am going to do everything I can for this baby.