For health reasons I do not work, I receive disability benefits, yes its definitely nice to have a more stable income. I guess its the silver lining to being disabled, I feel blessed to be on a fixed income. Its better than having an unstable one. Before I applied for disability benefits there were years and years of struggling to pay the bills, asking for help to get the bills paid, and then there was giving our money to somebody else for rent. I would not want to go back to those years for nothing! I’m not sure how my husband and I did it. Most of the time things were getting paid from his income. However, there were times when he didn’t have a job. Btw, he also has his own set of issues for the reason why he receives benefits also. A couple years before he did get rewarded his benefits we were in a jam where we had to move in with my mom and step dad, boy oh boy that was not an easy living situation! However, while we were living with them we found a reputable credit repair company that started us on the road to homeownership! Here is the link to the credit repair company http://www.trinityenterprisesllc.com. I know here in Florida there is assistance to become a first time homeowner. There are two that I know of. The one that we went through is called the Florida Hardest Hit Fund Down Payment Assistance Program. With the HHF we were able to obtain a 15k$ down payment! Along with the requirements of a certain fico score, said house had to stay within specific counties and you have to stay in said house for 3 years. Talk to your loan officer to get more details on what is available for you in your state.
The above picture is of my back yard. I got up to get the kids up for school one morning and while sipping my coffee I would walk to the sliding glass door, look out to our back yard and think how surreal it was that I finally was a homeowner to a beautiful spacious back yard and a house that is perfect for our family. I feel beyond grateful and blessed to be able to afford my bills and mortgage. I haven’t always been serious about going to church, worshiping, or praying. However, when I was told that if I was straight up honest with the lord and was specific with him that whatever I was praying about he would deliver. I know…its crazy talk. But he really did! After a year I still get emotional thinking about it. All those years of struggling, living in other peoples homes, living in too small or crummy places because the rent is too high…is over. Thank the lort!
Yes, money still stresses me out. And you know what its my own fault for getting caught up in the hype of wanting nice pretty things. It would’ve been ok if I would have stopped while I was ahead. Yes, my husband does have a voice but I think the reason why he didn’t stop me from making the poor money decisions I did was because he thought I was good at taking care of our finances…..um no, I am not. Moving in we paid cash for the necessities to make the house new to us…our house was built in 1961. Kitchen and laundry appliances, flooring, painting, texturizing, some furniture, the fence some of the kitchen. My husband was an electrician so he is the one that did all the electrical in our house. Its a truly beautiful thing to make your house a haven without going into debt. But, sadly, that didn’t last. Trust me, and I hope you listen and abide by my warning. Only buy what you need and if you do use credit only buy what you actually need. For example if you need a couch because you don’t have one, ok then, fine. If you buy an entertainment set, a kitchen table, and a pool….BUT you don’t really need them because you already have them. Unfortunately, that’s what I did. And now I feel like I am juggling paying my immediate bills verses my credit cards 😦 Please learn from my mistake. Do not give in to credit cards and loans. No matter what.
Ecclesiastes 5:10 Whoever loves money never has enough; whoever loves wealth is never satisfied with their income. This too is meaningless. Romans 13:8 Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.
From here I’d like to move in to the next post. Wait for it…..are you ready??!!
Saving money!!! Isn’t that on everybody’s mind…. I know I am always thinking “man! I wish saving money would be so easy. Then I wouldn’t be so temped to use credit!”