Wednesday, February 18, 2009

Feeling Lead...

It's an interesting concept. Do you ever felt impressed to do something, or go a certain direction, but you don't know why? Like... your mind knows something it won't tell you?

Well, I've been having a day week YEAR like that, I suppose. I feel like there's SO much to life that I'm missing, because I make silly excuses. But NOT anymore!! Well... maybe just a few here and there.

ANYwho - McStudly and I should be getting our tax refund within a week or two. We opted for direct deposit (why didn't I do this SOONER?!) and are eagerly awaiting our refund, to include our first time home buyers credit. This will free us of over HALF of the debt we currently have, and that means less stress (not that it keeps me up at night) and more time to dream. :-)

Debt doesn't really worry me, because we are still living within our means - just paying it off and not adding to it. We don't worry about phone calls from creditors and we have a pay-off plan. But after this refund arrives, we'll have a SINGLE blob (blog - a very technical financial term, of course) of debt on our credit. Wait - scratch that... a single blob outside of our mortgage and car payments, that is. For us - that's progress.

We're still paying off our wedding, so this will make it FINALLY almost complete. PLUS - with our pay-off plan, after you pay one debt off in full, you apply that amount to the next blob of debt, and you are paying your debt off at an exponential rate. It's amazing. So in NO time, we'll be done with this blob, too, and we'll get to start paying off our cars, AND finally fix up the house and add a little bit of "us" to it. :-)

This isn't exactly where I intended this blog to go, but oh well. It went there. So no, moving on!


Paying off all of this debt just adds a little more breathing room, and a chance to pursue a few other things that I've been putting off, so as not to add to debt, or anything like that. Hopefully, I'll get to buy a rather cheap guitar and finally start to learn how to play. I've considered getting a keyboard, but guitar is the one I REALLY want. As awesome as keyboards are, I MUCH prefer the sound of real piano, so... it's never been a big hit with me.

ANYWHO - this means adding to the whole song-writing thing. I've been working on a few other songs, but always get stuck in trying to make note of the melody and the ideas in my head for the music, since I'm not one of those people who can accurately jot down what notes I'm singing or thinking. That'll come, I'm sure, but I gotta work to get there, ya know?

So, that's what I'm going to do. I'm going to work on it. And paying off all of this debt will make it that much more possible. The only thing that would make it even better? Being able to find a nice sounding guitar for UBER cheap. I check craigslist pretty regularly, and occasionally take a gander on ebay, but... nothing so far.

Anyone cleaning out their closet full of musical instruments that are in great working condition anytime soon? Yeah. I won't hold my breath on that one. But a girl can dream, right?

Right. And in the meantime, I'll just keep working with what I've got.


April E. :) said...

I told'ya...I have a keyboard I would sell ya :) Works great.

d.a.r. said...

That's awesome that you are working your way out of debt! That has to be difficult, way to go!

Carrie Bowyer said...

Are you looking for an electric or acoustic guitar?

megsnbigd said...

I actually got Dan a guitar for his birthday as he has been wanting to learn for almost as long as I've known him. His desire was put into overdrive over the last year so voila! A guitar birthday. I looked on craig's list but ended up getting a new guitar for around $150. Your dream is certainly not too far out of reach!

Lindsay Gray said...

Oh paying off that debt is such a good feeling. When *R* got his reenlistment bonus and we paid off almost all of our debt (except his harley) it was an amazing feeling!

Good luck!

Oh and no instruments, but that bowling ball is still around if you want that!

The Mrs. said...

Our refund is going to our cc debt. We are like you, living within our means not adding to it but to be rid, or almost rid, is EXCITING! our goal is to be entirely debt free (obviously we dont own a home since we are at uncle sams mercy!) by the time the baby comes. Its exhilirating!