Credit Repair Update

A few weeks ago I pulled my credit, and disputed a few items. I did receive the results back from Experian, and I had a couple of things removed completely. I am happy about that. Even having a small inaccuracy removed from your credit report can increase your FICO score.

I will also be sending my April payment to my student loan holder, and they will all be moved to a positive by the end of April. This should greatly increase my FICO score. I will have a car payed off, three student loan accounts, and a secured credit card all on my positive and payed on time. I know that does not sound like a lot to some, but it is a big improvement since last year at this time.

My financial journey is far from over, and I am taking gradual steps. Increasing my FICO score is a very big part of my journey. I am hoping to have a car financed in the next six to eight months, and hopefully have a house in the next year of so. I have to sit down after the baby is born and make a complete plan for mine and his bright future.

Times Getting Tough

I am now in my 28th week of pregnancy. I have been having contractions for the last few weeks, so my Dr and employer are worried. My job has actually been cut back to only 2 days a week, and maybe 4 hours during each of those days. I am trying to plan for maternity leave, but how can I seriously do that when I have very little money coming in. I am thankful that I have been trying to plan for a few months, so I do have enough put away to take 4 weeks of maternity leave if I do not have to get into it before the baby is due.

I am getting worried, and this is not helping the pregnancy. Times are getting tough now. I still have 12 weeks before my due date, and I would love to take at least 8 weeks off for maternity leave. How in the world am I going to be able to do that? I am a fairly positive person, so I am trying to find the positive in everything. Since my employer has reduced my days, I will focus on trying to find more work at home opportunities. There is a lot of single moms that work from home, so I just have to find the best ways. Wish me luck everyone, and if you have any suggestions please let me know.

Credit Repair

I pulled a copy of my credit report from each credit bureau a couple of days ago. I am actually surprised by how much has been removed from my credit in the last few months. I did not get my FICO score because I am waiting until April. In April my student loans will be moved from a negative to a positive, so I want to know what it will be then.

I will be disputing a couple of other items that are on my report due to inaccuracies, and hopefully have them removed.  The disputing process is fairly easy, and I do not mind taking the time to do it if it is going to help. Since I have began working on my credit report I have had about 7 negative accounts removed from my report. I am now down to 10, which 3 of those will be a positive in April. With those 3 my positive will out weigh my negative accounts.

My secured credit card is already on my credit report, and it is positive. I know it will increase my score due to the fact that it is the most recent, and it is being paid on time. I am trying to keep the amount owed down to half of the available balance because it will make the score even better.

I know that repairing my credit is a process, and will take time. I am on a good path, and feel I will be where I want to be within the next year. I still have three months before the baby is born, so I am putting up every penny I can during that time. After that my focus will be on my baby, and getting our finances on the rite path for both of our futures.

Owe the IRS!

I received the news the other day that my EX and I owe the IRS for our 2009 taxes. I was beyond upset. I was with him for 6 years, and this was the first time I had allowed him to do our taxes. I am doing what I have to to take care of the taxes owed. I have tried to get him to sign the paperwork, he refuses. Since he refuses I called the IRS to cover my behind. I sent them a letter explaining my situation, and giving them all of his information as well. I am hoping that this will get worked out. I was planning on using my return this year for my maternity leave, but I would rather get this paid off.

If anyone has dealt with anything similar to this situation, or have any tips, please let me know.

Happy New Year!

I want to take time out to wish everyone a Happy New Year, and wish you all a blessed year. I am taking steps to make sure that 2011 is going to be a good year for me financially. Since the baby will be here in June, I have to prepare quick. I am hoping I will start school in the next couple of months, and that is the biggest part of the change I am wanting to make.

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!