Wednesday, May 16, 2018

Inevitability

PS: my post on the app trending for several hours! 1800 likes and 450 comments!

So, this always happens after I have a freak out about finances. Talking to K last night about saving for the wedding... I said no more take out lunches, only bring from home. Totally forgot that I was going to lunch with some co-workers and had to beg K for forgiveness. Maybe that'll teach me to give someone else a hard time when it is inevitable that it will happen to me soon after.

Tuesday, May 15, 2018

Attention

I may or may not have posted a #transformationtuesday on the WW app to see if I could get people to comment/like my post.

And, boy, did I ever get comments and likes! The validation feels nice, but I feel like a poser for seeking it from strangers. I did text K and my mom (who still hasn't responded, hope it is because she is taking a nap). K gave me some good validation, as well.

It is taking me about 14 days, but I have finally worked back down to almost 10 pounds down again. Not sure I want to slip up again like that, it is much harder to get back on track when I do...

Thursday, May 10, 2018

Solution

It is amazing how little home ownership knowledge I have, I need to remedy that. K researched about home equity lines of credit and found that could be a solution for us. We spent two hours at the bank yesterday to only be denied in the end because her length of credit history wasn't long enough and she was maxed out on her available credit.

In the end, we will still need her dad to cosign on the line of credit (which he agreed to do and they will be closing on it Friday). This is probably the best solution that could have happened. We are getting out from under $30K in credit cards and the interest rate is only 3.49% compared to almost 30% we were paying. He still pushed the roommate idea to pay them off even faster, but K finally convinced him that it was unnecessary due to how much we are already committing to pay monthly. 

Still sucks to have parental involvement but, it is a better outcome than I had envisioned on Tuesday. 

Tuesday, May 8, 2018

Frustrated Beyond Belief

K decided to tell her dad just now about all of her credit card debt....

This was not the plan.... I wanted K to discuss with her grandma who has a trust that paid for the condo to begin with and ask to refinance the mortgage and free up the money to pay off the credit cards.

He wants us to get a roommate and pay $1200 per month for two years. That would be great if we weren't getting married in 18 months. I already feel a battle brewing, I have been free and clear of parental rule for over 10 years.

I'm not sure what is going to happen this weekend when we meet with them.

Money

K and I are having our first big argument about money.... And it sucks big time. Her car's A/C is broken and she has a leak that would need to be fixed before her birthday because of emissions requirements. To fix the A/C, it would be around $1,700 and to fix the leak, it would be around $800. Her car is not worth more than $2,500 so it doesn't make sense to fix it now. Especially sucks, because we just put about $1,000 into the car with new tires and brakes... Which she pushed for and I didn't want to repair just yet, but then I also pushed to keep this car for another 2 years until after we got married. Ugh.

Now... The buying of a car issue. She has an extreme emotional want to buy an SUV. Every time I bring up not getting an SUV, it comes back to her dream, that it is something that she has wanted since she started driving. I get it, I truly do. She doesn't want to spend money (each time she says it, I hear in her statement that she doesn't want to spend HER money even though she isn't explicitly saying that) on something she wouldn't be happy driving. She also used a low blow tactic of saying that it will be easier with a car seat and children if we have an SUV (still doesn't make it a necessity, plenty of people use sedans and quite frankly if she wants to throw that out there, then I would rather go ahead and buy a minivan).

I got really frustrated with this and just threw, "want versus need. What do you need? A reliable car with A/C" back at her... She hasn't responded after being very engaged in our texting conversation. I know she is pissed at me, but she has never had to struggle with money and make hard decisions about what really is necessary in a purchase... I'm not sure how this one is gonna end, but I'm not looking forward to our in person conversation tonight. Also, I'm willing to bet $20 that she will work late tonight to avoid coming home to talk to me but, will blame it on work after coming back from our trip.

Well....

Well, the trip to Harry Potter World was extremely eventful. Let's start with that I got vertigo the morning we were leaving and ended up going to the E.R. because of an overly cautious urgent care doctor who said that I was presenting atypically for vertigo only to be told, yup, it is vertigo.

We had to rush to pack and then I went with K to her colleague's camp house to sleep until we had to leave to prepare for the 300+ people. The buses were late, the buses were not up to the standards that we expected, then at 3 AM on the way down, one of the buses had to be sent back home because the shocks were broken on it. Then another bus had a broken bumper, one didn't have a bathroom, it was all just a hot mess. Finally made it to Orlando around 9:00 AM and changed clothes to prepare to go to the park.

The park... it was completely and utterly magical! The atmosphere, watching the wand ceremony (I got chills and teary), all of the shops and iconic items. Then, the lights show at the Hogwarts castle at night with fireworks! I've never felt more like a little kid and so excited to see all of it. So glad that E & K were with us! Unfortunately, I didn't get to ride anything except the train, but the experience was extraordinary.

The trip home was even worse for buses, two more broke down in Valdosta and K had to stay behind to wait for replacements. I got back around 6:00 and K finally got back around 10:00 PM. We were exhausted to say the least and slept 12 hours into the next day.

The only bad part is that I did "treat myself" with all of the food I am trying to avoid. I didn't feel deprived, but I did go over all of my points for the day, week, and my fit points. When I weighed myself on Monday, I had gained 3 pounds back. Ugh. So, back to the grind, ate within my points yesterday and have a plan for this week.

Now, if only the vertigo wasn't killing me since I cannot take the medicine and drive/work... 

Thursday, May 3, 2018

Conversation Hogs

I find several things very annoying when having a conversation with someone else. At the top of that list is: not being aware that you are taking up all the air in the room during a conversation because you won't let anyone else get a word in edge wise. The definition of conversation: the informal exchange of ideas by spoken words. The key word there is exchange. I don't enjoy sitting and listening to others tell me all of their ideas the entire time. I want to be engaged and share my thoughts as well!