Showing posts with label Purchase a home. Show all posts
Showing posts with label Purchase a home. Show all posts

Thursday, June 19, 2014

Living Our Dreams

I have had dreams that I want to accomplish throughout my life. Since I have become a mom I have become more driven to reach my dreams. In the last three years I have accomplished a few dreams, and have decided on more dreams that I would like to reach.

Dreams that have become a reality:
  • Made a huge move to Colorado when my son was two months old and I was unemployed.
  • Started my associate degree program for business management (will finish in December 2014)
  •  Purchased a newer, more dependable car
  • Started savings for my sons  College education
Dreams that I want to accomplish:
  • Finish school
  • Have a decent savings put away
  • Start my own business
  • Purchase a decent sized piece of land for my son and I
One thing I have realized about dreams are that they change, but we need to have dreams to keep us motivated in life. I have kept some of the same dreams throughout the years, but they change in ways. Sometimes we meet people that help us see that we belong in different places then we think. Last year I just new that I wanted to be in South Dakota. I met my boyfriend and I realized that I belonged here in Colorado. Even though he died, he helped me realize so many things about my life.

Losing him made me feel as though I did not want to go on. I realize now that knowing him is what makes me want to go on. He showed me more in the few months together about living our dreams and being happy then I had ever seen in my life. I thank him for the experience and I know he is still here with me as I strive to reach even higher in my life.

Do not let anything hold you back from reaching your dreams. Shit happens in life that makes you want to stop, but these experiences all make you stronger. Keep reaching for what you want in life and do not let anyone tell you that it is impossible.

Saturday, June 14, 2014

Purchasing Land and a Home


My boyfriend and I (prior to his death) were looking for land to purchase and considering where we would want to live. I told him I would be happy with a tent as long as I could have a shower. I would have ran away with him and my son without a second thought. Now that he is gone I still want to continue with our plans. I am looking to purchase about 10-20 acres of land. The home is optional at the moment, I can use a small RV until I can get a home built if necessary.

The problem with my plan is my income. I am a single mom that makes about $25000 a year. This is a small income when considering purchasing something like this. I am planning it though, and pray for the best. What am I doing?
  • I have increased my credit score from 420 to 670 in less than three years (I will share how I did this later on) , so I want to continue this increase for another year before making a purchase
  • Look at different locations to determine where I want to live
  • Look into local programs that may help
  • Find state and federal programs that may help
  • Work as much over time as I possibly can to increase my yearly salary for this year
  • Pay off credit cards so that I increase my credit score and decrease my debt
  • Evaluate every aspect of my life financially. I want to be fairly secure before I purchase something of this magnitude
Making a purchase like this takes planning and perseverance. I will be working hard on reaching this goal and I will b sharing my progress.

Thank you all for reading!

 

Wednesday, June 4, 2014

Where has time gone?



I have not posted on here for over a year, but life has been crazy. I have been going to school full time, and working 50+ hours a week. I put my online work on the back burner for a while. This is an update of how the last year has been full of ups and downs with my life.

I am finally down to one class to complete. Unfortunately I failed the class last semester, but it was a very hard semester.

Last year I met a great man. He was a customer of mine, and we became fairly close. He finally asked me for my number and we started talking. We would talk for hours each day. Once I finally began going to his house, and he to mine, we were inseparable.  Him and I had everything in common. We would sit and talk for hours and if I was unable to see him on a certain day, we would talk on the phone. He always texted me and called me, he would even stop by my job every day, some days two or three times. I finally found true love, and I knew it from the first kiss.

On April 12, 2014 I had spent the night at his house. The next morning both of us was feeling very bad, but we thought it was the weather. I left his house to go to work at 2pm, and then I had to be back to work at 6am the following morning. I received a call from the police department telling me there had been an accident.

Hearing this, I knew he had died. They met me and told me the he died during the night between the 13th and 14th from carbon monoxide poisoning. This ripped my soul out. It hurt even more when I heard that everyone knew he was the happiest in the last few months then they had ever seen him.

Since this has happened I have been on this horrible emotional roller coaster. We had so many plans for the future, and he wanted to raise my son. His parents sent me a portion of his ashes, and they signed his truck over to me. I made a promise to them and my boyfriend, Justin, that I would continue with our dreams and plans. The biggest thing we wanted to do was purchase some land here in Teller County, CO and make it completely self sufficient. This is what I am working on now.

The death of my boyfriend, Justin, was the hardest thing I have ever been through. I know if my work schedule was any different I would have died with him, and I have had days where I wish I would have. I know my son needs me, and I know God has other plans for me. The way I have been dealing with his loss is planning for things that we wanted to do. I am helping his memory live by my actions. He will always be in my heart no matter what the future holds for me.

Plans for the next year:

  • Finish my degree
  • Enroll my son in school
  • Pay off my credit cards, which will increase my credit
  • Find the perfect piece of land in Teller County, CO
  • Purchase the land and put a small home on it until I can build the home I want. Nothing fancy, just something I can raise my son in and we both be happy.
  • Evaluate my career path. I love my job, but would love to find something from home so I can spend more time with my son. As a single mom going to school full time and working full time, I have not seen him much.
No matter what my future holds, Justin will always be a part of my life. I will eventually move on, but I know God and Justin will let me know when the right person comes along.

"Where is my smile", "You even me out, you are always so optimistic about everything" Both of these quotes are from my boyfriend, Justin Gibbons, and they will keep me motivated. I love him always.

Anyone that has read my last posts know about my past plans to move to South Dakota, well God has ways of changing our plans and showing us where we really belong..