Comments for DebtMaven http://debtmaven.wordpress.com No Love for Debt Thu, 12 Nov 2009 06:30:51 +0000 http://wordpress.com/ hourly 1 Comment on I’m moving! by Money Funk http://debtmaven.wordpress.com/2009/11/08/im-moving/#comment-128 Money Funk Thu, 12 Nov 2009 06:30:51 +0000 http://debtmaven.wordpress.com/2009/11/08/im-moving/#comment-128 *sigh* Debt Maven, for your health, well being, and happiness I really do hope that you find a common ground that benefits both you and J. More for your sake since you are taking it all on. ;) *cheers* to a happy move, big backyard for the kitties, and to gardening in the spring! *sigh* Debt Maven, for your health, well being, and happiness I really do hope that you find a common ground that benefits both you and J. More for your sake since you are taking it all on. ;)

*cheers* to a happy move, big backyard for the kitties, and to gardening in the spring!

]]> Comment on I’m moving! by debtmaven http://debtmaven.wordpress.com/2009/11/08/im-moving/#comment-127 debtmaven Thu, 12 Nov 2009 01:50:10 +0000 http://debtmaven.wordpress.com/2009/11/08/im-moving/#comment-127 Money Funk: Yes, it's an issue with J. It's been an ongoing struggle, and there's definitely a disconnect between our views on money. Both talking about it, planning, budgetting, goals for the future, as well as current spending habits. To be completely honest, this may be a gulf that is insurmountable between us. Currently, sadly, I look at it as at least i'm getting something rather than being a single person paying the rent by myself. But he owes me money currently (he's behind on 2 months rent, which is less than it will be at the new place for him). It's a long, complicated process. Yes, I do give him more leeway than he should have. but what can I do? I will probably post something about this in the near future. It's a big complicated, difficult subject and it's complicated by the fact that we work together in the same small company. Anyway, looking forward to the coming garden, and pleasant (and safer!) neighborhood! Money Funk: Yes, it’s an issue with J. It’s been an ongoing struggle, and there’s definitely a disconnect between our views on money. Both talking about it, planning, budgetting, goals for the future, as well as current spending habits. To be completely honest, this may be a gulf that is insurmountable between us.

Currently, sadly, I look at it as at least i’m getting something rather than being a single person paying the rent by myself. But he owes me money currently (he’s behind on 2 months rent, which is less than it will be at the new place for him).

It’s a long, complicated process. Yes, I do give him more leeway than he should have. but what can I do? I will probably post something about this in the near future. It’s a big complicated, difficult subject and it’s complicated by the fact that we work together in the same small company.

Anyway, looking forward to the coming garden, and pleasant (and safer!) neighborhood!

]]> Comment on I’m moving! by Money Funk http://debtmaven.wordpress.com/2009/11/08/im-moving/#comment-126 Money Funk Tue, 10 Nov 2009 17:01:32 +0000 http://debtmaven.wordpress.com/2009/11/08/im-moving/#comment-126 Your last part of the blog caught my attention. J has no savings, hasn't paid off his cc <$1K, and won't talk about dinero or a budget???? And you write about money. Case of the one sider. And I hope you don't take me too direct. But why should it be up to you to pay the full deposits and other stuff? Why should it be you who covers the rent unpaid? J lives with you. As an adult sharing a space shouldn't it be mutual support? I am sorry, I hope I haven't overstepped my bounds, but it irks me to hear you talk like that when you are taking financial responsibility for yourself. Anyhow... I wish you the best in your new house. Planting a big garden will be nice. I would love to have fresh veggies again. They taste so much better! Now I just need to figure out how to keep the cats out of the garden (they overtook it for a litter box - darn it). Have fun setting up your art space in your new house. Glad to hear you are moving in a safer situation. :) Your last part of the blog caught my attention. J has no savings, hasn’t paid off his cc <$1K, and won't talk about dinero or a budget???? And you write about money. Case of the one sider. And I hope you don't take me too direct. But why should it be up to you to pay the full deposits and other stuff? Why should it be you who covers the rent unpaid? J lives with you. As an adult sharing a space shouldn't it be mutual support? I am sorry, I hope I haven't overstepped my bounds, but it irks me to hear you talk like that when you are taking financial responsibility for yourself.

Anyhow…

I wish you the best in your new house. Planting a big garden will be nice. I would love to have fresh veggies again. They taste so much better! Now I just need to figure out how to keep the cats out of the garden (they overtook it for a litter box – darn it). Have fun setting up your art space in your new house. Glad to hear you are moving in a safer situation. :)

]]> Comment on 1 Year Anniversary! by Jackie http://debtmaven.wordpress.com/2009/10/27/1-year-anniversary/#comment-122 Jackie Tue, 27 Oct 2009 23:39:49 +0000 http://debtmaven.wordpress.com/?p=301#comment-122 Congrats! Congrats!

]]> Comment on Gotta get serious again by Money Funk http://debtmaven.wordpress.com/2009/05/03/gotta-get-serious-again/#comment-121 Money Funk Mon, 18 May 2009 15:35:30 +0000 http://debtmaven.wordpress.com/?p=290#comment-121 It really is hard to stay on track all the time. I think Springtime in general makes it difficult to stay on budget because when the sun shines we want to stretch our limbs. At least you have a goal, are aware of the small stuff, and plan to do what you can to get back on track. You're much farther than most people in the world. :) It really is hard to stay on track all the time. I think Springtime in general makes it difficult to stay on budget because when the sun shines we want to stretch our limbs.

At least you have a goal, are aware of the small stuff, and plan to do what you can to get back on track. You’re much farther than most people in the world. :)

]]> Comment on Gotta get serious again by Midwest Chick http://debtmaven.wordpress.com/2009/05/03/gotta-get-serious-again/#comment-118 Midwest Chick Sun, 03 May 2009 18:38:51 +0000 http://debtmaven.wordpress.com/?p=290#comment-118 I agree the small things are the hardest to control. They add up so quick. The convience of the items sometimes make them justifiable at the time, but then you kick yourself later when you're paying bils and don't have as much extra money for savings or debt. Good luck! I agree the small things are the hardest to control. They add up so quick. The convience of the items sometimes make them justifiable at the time, but then you kick yourself later when you’re paying bils and don’t have as much extra money for savings or debt. Good luck!

]]> Comment on Am I on track? by brainy http://debtmaven.wordpress.com/2009/04/25/am-i-on-track/#comment-117 brainy Thu, 30 Apr 2009 00:36:40 +0000 http://debtmaven.wordpress.com/?p=287#comment-117 Sounds like a decent plan... though 2014 feels like a real long time away... But, really, if you do "up" your payments to $500, you'll find that you'll start to gain momentum in a hurry... and 66 months will be just around the corner ... and likely many many months sooner than you think. That's how it worked for me. Just keep at it -- you're doing great so far, stay focused (it's okay to splurge every now and then), and try to stay dedicated to the goal. You'll get there *way* sooner than 2014! Sounds like a decent plan… though 2014 feels like a real long time away…

But, really, if you do “up” your payments to $500, you’ll find that you’ll start to gain momentum in a hurry… and 66 months will be just around the corner … and likely many many months sooner than you think.

That’s how it worked for me. Just keep at it — you’re doing great so far, stay focused (it’s okay to splurge every now and then), and try to stay dedicated to the goal.

You’ll get there *way* sooner than 2014!

]]> Comment on Emergency fund: milestone reached! by ambercouric http://debtmaven.wordpress.com/2009/04/20/emergency-fund-milestone-reached/#comment-116 ambercouric Tue, 21 Apr 2009 13:10:22 +0000 http://debtmaven.wordpress.com/?p=275#comment-116 Congrats on this milestone. This is sometimes one of the hardest to reach. Congrats on this milestone. This is sometimes one of the hardest to reach.

]]> Comment on How I made the change by debtmaven http://debtmaven.wordpress.com/2009/02/21/how-i-made-the-change/#comment-115 debtmaven Thu, 16 Apr 2009 21:02:21 +0000 http://debtmaven.wordpress.com/?p=258#comment-115 Mike, thanks for your comments. I just started shopping for CS3 online and see that I can get a cheap version now that 4 is about to come out (or I can use my bf's educational discount to get a edu copy). I have no questions on photoshop, but thanks, it's a daunting program if you don't use it regularly. On a side note, I do work trade for a local photo school, and sit in on someo f the photoshop classes while I TA the classes, so I am learning still! A note about the business - my partner bought and paid for everything in a foreign country (it was a very niche market of items from a third world country, he had the language and cultural skills to make deals with people overseas). He sent them to me, I did everything online, sold, mailed, received the money. We'd split the profit, but I'd also pay my part of the inventory costs at that time. When we settled up the business, I had to put in my share at that point, since I hadn't been. It was definitely more than fair that I owed it. Basically, my debt is a result of no job for a year, and a part time time for most of an additional year (I used all income to pay for living expenses rather than paying down the loans I received). Mike, thanks for your comments. I just started shopping for CS3 online and see that I can get a cheap version now that 4 is about to come out (or I can use my bf’s educational discount to get a edu copy). I have no questions on photoshop, but thanks, it’s a daunting program if you don’t use it regularly. On a side note, I do work trade for a local photo school, and sit in on someo f the photoshop classes while I TA the classes, so I am learning still!

A note about the business – my partner bought and paid for everything in a foreign country (it was a very niche market of items from a third world country, he had the language and cultural skills to make deals with people overseas). He sent them to me, I did everything online, sold, mailed, received the money. We’d split the profit, but I’d also pay my part of the inventory costs at that time. When we settled up the business, I had to put in my share at that point, since I hadn’t been. It was definitely more than fair that I owed it. Basically, my debt is a result of no job for a year, and a part time time for most of an additional year (I used all income to pay for living expenses rather than paying down the loans I received).

]]> Comment on How I made the change by mike http://debtmaven.wordpress.com/2009/02/21/how-i-made-the-change/#comment-114 mike Thu, 16 Apr 2009 13:12:16 +0000 http://debtmaven.wordpress.com/?p=258#comment-114 Thanks for sharing that. It was great to hear your story and I can really identify with your situation. I am a photographer also. I have been in the business for 25 years and have had great times when I was able to get out of debt and bad times where the debt has piled up. I have a couple ideas for you. For Photoshop you can get a copy on ebay Photoshop cs or cs2 are fine for most things. GIMP is a free version that does a lot that Photoshop does. I have a 15 years with Photoshop so if you have questions please feel free to contact me. I have had severals shows myself but used them more promote my commercial work. I wish I had gotten on the "getting out of debt" band wagon a lot sooner but am glad to be worjing on it now. As to how you got all the debt from the business originally I don't quite get why you had to pay half the inventory if he was the one supplying the finance. It seems like that is a point I would address and look into more. Thanks for sharing that. It was great to hear your story and I can really identify with your situation. I am a photographer also. I have been in the business for 25 years and have had great times when I was able to get out of debt and bad times where the debt has piled up. I have a couple ideas for you. For Photoshop you can get a copy on ebay
Photoshop cs or cs2 are fine for most things. GIMP is a free version that does a lot that Photoshop does.
I have a 15 years with Photoshop so if you have questions please feel free to contact me. I have had severals shows myself but used them more promote my commercial work.
I wish I had gotten on the “getting out of debt” band wagon a lot sooner but am glad to be worjing on it now.
As to how you got all the debt from the business originally I don’t quite get why you had to pay half the inventory if he was the one supplying the finance. It seems like that is a point I would address and look into more.

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