2010.. THANK YOU BECKY!!!!

I will say like Becky did this is VERY HONEST... I hope you who read this will pray for Dave and I this coming year....
I want to thank Becky for her putting her financial stuff out and be open everybody to read about. She has inspired me to do the same. This year David and I want to cut our debit and lose weight. Two big things that most of America says they are going to do.
So I ask myself really why do we say a general statement like I want to lose weight or I want to get out of debit but some people, LIKE ME, don’t want to tell you what I weigh or how much in debit we are? I think it is important if you want to lose weight or get out of debit or what ever your "thing is" this year, it is better to be totally open and honest with it. If you are open with other people then it does something within you to complete the task. When you just don’t say anything it is very easy to just set it down. I am tired of telling David we are going to do this and then by the end of January it is long forgot about.
So lets take debit first. I think so many times people don't want to talk about the dollar figure of their debt up because they're embarrassed, but also I think people don't want to put a dollar figure out for everybody to see is that it holds them accountable. So here the Garcia house Debt is out in the open and I will let you guys know when things are paid off.
$30,000 student loans for us (not paying)
$9,000 car ($350 month)
$28,000 for the house ($356 month)
$800 for Lowe's the washer and dryer ($100 monht)
$700 credit card (not paying)
$600 personal loan ($105 monthly)
$304 Casey's flute ($32 month)
$69,404
WOW just looking at that… how do we get in the crazy debt? Because we are not taught about debt and how to manage our money. My parents use to tell me that if I wanted to go out and buy something I deserve it and just don’t pay a bill and go do it. Well needless to say I have done that in my life that is why I have bad credit. NO MORE….
For me I think my weight bothers me more than the money issues we have. I weigh 298 right now and I want to weigh under 200! So I have read tons of stuff about weight loss and what to do and what not to do. It is all so confusing to me sometimes. There are so many diet books plans programs. You could spend a small fortune and as you all know I want NOT to spend money… SO if any of you have weight loss stuff books CD, DVD that you have used that you think will help me let me know I would love to borrow them. I have a wii FIT PLUS now and I am going to get up everymorning and use it. I know the key to weight loss is get moving and don’t eat as much…
So Pray for us in the coming year this is something in the for front of David and I’s mind all year. This is something that I want to change my mind and my habits from now on about money and weight loss.
So 2010 here we come…

2009 Update and Christmas 2009

WoW it has been ALONG time since I last blogged. Well alot has been going on... I will fill you in. I started classes at TSTC all online I like that real well. The first semester ended December 11th and I got 2 A's (Business class and Critital thinking classes) 2 B's (Reading and Writing) and 1 C (Algebra) I hate math... I was actually one point away from a B in algebra but OH WELL... Good grades non the less and they are better than I made in High School maybe it has something to do with me PAYING for all these classes... Well I have really enjoyed going back to school; I do want to finish what I first started several years ago.

Lets see David's girls went back home to live with their Mom in August. It was sad for me but I had rules and they had chores and they did not like that so they went to live where they could be the boss. Maybe one day they will realize lazyness gets them NO ever FAST...

Casey is doing good she is growing up so fast. her birthday 3/23/ in 2010 she will be 17. FOUR months and she will be 17... Makes me almost want to start over. HAHA Tubes tied.. :)

David and I are doing way better than we were in the summer. Stress and Depression over took me and I took off. But with God is healing me with each day, I am learning more about my self and how to serve my husband.. And YES to me it is hard to serve my husband. WHY I dont know but it has been hard, but I am learning...

So Christmas is around the corner well actually it is like next week. WoW... Well about Christmas I got mad at my parents long story just down right dumb but anyways I told them if they wanted Christmas that they could come to my house on Christmas Eve and have dinner and do gifts, and that I am COOKING EVERYTHING>... SO they agreed... Then it dawned on me I HAVE NEVER COOKED A TURKEY OR DRESSING... OR A HAM... and I told David I wanted to do the whole dinner that I did not want his help in cooking, I wanted to make it special, all from me from the heart... So I have been online checking out all kinds of recipes and I think I will be fine... I have almost everything I need for dinner I just lack a few things that I will go get this weekend and then NO MORE SHOPPING for me... :) I am so excited about cooking this year. I always wanted to start our own Garcia Family Tradition... So 2009 is it...

I hope you all get what you want for Christmas... David and my Christmas is a new sewer system in January sometime... That is all I can ask for this year so I am glad we will be able to do that.

MERRY CHRISTMAS.... May God bless you all in abundance this holiday season...