Life Goals 2017

I am posting this because when you manifest positively you make it happen. 

Every year since I was 21 on the Sunday of this week I try to publicly.  I encourage you to establish yours.

Life Goals: Status is tentative.

1. Have a family with hubby – √

2. Be a home owner -√

3. Sell and buy a home with land -√

4. Get a car – √

5. Get a license to drive – √

5. Get a Master’s Degree

6. Get a helicopter license

7.Become a Lyft drive (why not)

8. Ride a horse -√

9. Ride a camel -√

10 Travel (partially)

A. Bolivia 

B. Ecuador

C. Colombia

D. Peru

E. Mexico

F. Canada

G. Europe

H. Latvia

I. Poland

J. China

K. Dubai

L. Dominican Republic

M. Italy

N. Sweden

O. Vegas

P. Every state (20% completed)

11. Go to Disney √

12. Swim in the Gulf  √

13. Win the lottery

14. Nobel Peace Price

15. Get my PhD.

16.  Fluent in Languages

A. Russian

B. Cantonese

C. Hebrew

D. Quechua

E. Spanish

F. Polish

G. French

H. Arabic

I. German

17.  Enjoy my grandkids with my husband.

18. Be driven around by my son’s.

19. Be mayor of my town

20. Have a fantastic blog

21. Grow my hair super long.

22. Become a better Baker.

23. Have a fannytasticlife and enjoy living!   (Working on it)

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Torn

Being a work mom, wanting to be a stay at home mom… perks, sacrifices, need and wants. I am so confused.  

I thought I had my mind set and I was ready to go to law school with my two children out of the day care phase.  However, then I had baby three and here we are spending on daycare and another little sweet face needing his mommy.

My husband works very hard and can financially support us.  Then again, the benefits package I have he doesn’t have, which is probably why my salary is significantly less.

Currently, we are moving and now wouldn’t  be the best time to make this decision.  I will make this decision late this year.  I just feel we can save so much and have more quality time if I was home.  

My husband could finally rest.  He just works so hard.  My heart breaks for him.  Yes, he loves his job and he has passion for what he does but working seven days 12 hours a day, he is so strong.

I’m not sure how he would feel about me staying home.  Because I am so annoying already, one of my quirks. 
Men don’t really have these decisions to make, but as a mother I really need to gather these thoughts, weigh them out and figure it out while maintaining my #fannytasticlife.

Can’t feel lonely in a zoo.

At first we found two snails at the lake.  My son, brought them home.  They survived in a metal bowl.  Until we went to the lake again and it seems that we had now a need for a fish tank.

We then had snails, fish, water frog, aquarium crab, eel, catfish and two neons. Survival of the strong we now have snails, catfish and one neon.  Later we got a Blue Parrot and Bearded Dragon.  This was incredible, still easy to maintain and happy my children were.

As a gift for graduating my husband got me  a Biscon Frise in the summer of 2014.  With all my animals and two children and other events my husband and I were at that point that we thought we were complete.  

Most people who knew us, felt like it was okay to say, “you are good with two boys”, or “you have enough on your plate.”  Although, I can see their perspective I wanted one more baby… 

One day I found out we were having baby three. It truly was a surprise because we didn’t calculate this new blessing into our minds, but a blessing was to be had.

We decided that we were ever expanding and it was time to plant deeper roots and buy a bigger home in a more rural/suburban environment and on that note we got a puppy.

It’s not that we bit off more than we can chew. We chew just find, thanks.  It is that at this point with all this, it feels right.  Not alot, or much, or crowded but comfy.

All the gaps and emptiness and loneliness just don’t exist, neither does peace and quiet… but I have my commute for that.

Who know we may even one day adopt a baby Llama…why not. 

I truly feel these gifts are blessings.  I have lost a lot and have been very lonely and now I feel so much love, support, family.

My zoo is really a love farm.  You can’t be alone as long as you have a mirror but with a family member whether it be a spouse, child, room mate, pet even a beta fish that little life needs your love, which in return gives love and a reason to not feel lonely.  I do this with my #fannytasticlife of a family!

House buying jitters…

Wow, we have come along way.  We are so close to getting what we earned from all the sweat equity. 

We were suppose to move in this week, to our new home but this got pushed back.  Now we are sitting on boxes.  

What went wrong, we did everything we were supposed to do, right?

I have learned that real estate is something you just can’t control.  Well, here are some tips to help those of you who want to buy a home. #Newbies

What kind of mortgage do you want?  This may be the first and only most important question.  Straight from the government information about shopping for a mortgage.

Do you know what you qualify for? Of course not.  Don’t assume, find out. You will need to be more adult like for this because this can be stressful.  But, we can do it kid!

If you are a first time home buyer you may qualify for an FHA.  Now, do you have savings, about 15% to 20% of the mortgage you hope and intend to get approved for?  If no, FHA requires a minimum of 3.5% but your credit needs to be great (580 and higher), not good (570 and below) check our HUD Portal on this government website.

Other loans you may qualify for are rural loans. These require a zero down and your income will need to be low. Once you qualify onto hat end if you work in the city this may be a long commute.  To each is own, on that here is more information on the USDA Rural loans.

The dream is achievable.  Once you do your research on loans.  How is your financial health.  You know your credit score right, maybe not.  That is ok, go find out, stop dragging your feet.  

Do you have student loans?  Well whether they are $1.00 or $100,000 what you will need to make sure is that you are making your payments.  They can be the lowest payment possible as long as you don’t skip a beat.  

Other infractions, delinquency,  roll-offs, etc fix these issues.  Nobody will approve you if you have issues with this.  But don’t be overwhelmed the light shines at the end of this tunnel.   Map it out.  Give yourself a time goal. Figure how much you can afford to pay back and set the clock.  This will not only increase your score but paying off debt will probably most likely increase your line which changes your credit to cash ration and makes you more desirable to lenders.

Once your goal time, that you set is up on your calendar arrives rexheck the dusty list of to dos and probably the majority of your balances are paid.  Now, contact a lender, start with the bank you do business with.  They know you best.  If you are a active Union member try one recommend by them. Lastly, get a realtor or if you have one, they maybe able to refer you to a reputable mortgage company they know and have done business with.  

A realtor once gave me great advice, and what TJ told me (shout out to him). He basically said when you go shopping for shoes you always make sure to bring your money, so don’t go looking for houses if you don’t have money to buy it.  What he meant was don’t set your self up for disappoint, first see what you can afford. Yes, go to open houses if you want but you are really wasting your time and geting your heart hurt if you find something that you can’t afford. He also told me “don’t fall in love with house, fall in love with people” real estate isn’t an easy ride folks.  Doing your home work smooths out the bumps.  By the way TJ is our current realator and honestly he is great.  If you want his contact information let me know.  I would recommend him to anyone.  Hey TJ, don’t forget finders fee, just kidding. 

Seriously, now I’m sitting and waiting because we are completely packed and ready to move in. 

I  will follow up on when we actually move.  I hope my insight helped some of you nervous nellies.  

Just remember dreams come true.  You have the power, first you must manifest it.  Then you will see these dream become realities in real time.  

Don’t forget to have #fannytasticlife 

Protection for you best gal, CC.

Do you protect your best friend? CC? Yes, I am very serious…CC.  Your Credit Card…well you should.


As a mom, a wife, a modern chic; life happens.  For a while I had this cash only policy but let’s be realistic that is tough.  It is easy to fall into a “charge” and pay later life style. Wouldn’t you agree?

I came across something that I normally ignored, which is Credit Protection.  Seriously, insurance for the credit cards you use.  Who cares, right?

So, I have three beautiful sons and had to take maternity leave. For my first son, I had three jobs and my husband worked furiously but we were just making it.  Then I went on leave and took sixteen weeks.  Because the daycare I needed would not take a baby less than four months, so push came to shove and I had to stay home. The financial ripple became a title wave when the bills started coming in.

One morning I was looking over one of my credit charges and it said “$0.89 protection fee”.  I inhaled this and got so angry thinking it was a complete scam.  Finances were so tight already.  For that $0.89 bogus charge, I called them.  

We went over the bill and as I was about to request an extension.   “Jenny” the rep started explaining the charge. She then goes to say, “well like, if you ever have a baby or a surgery things like that you can put a claim in and we will cover your monthly installment or if you a customer that pays their credit lender on time we may even cover your balance” I questioned her for about 30 minutes not understanding that all this time I have been paying for insurance for my credit cards that I was actually and finally entitled to enjoy that benefit.  So, I told her I just had a baby.   What came next was gold.. “well, I see here that you have two cards with our insurance (from different credit lenders) and how long will you be out of work?” She asked. I explained 16 weeks.  She said “I will send you the paper work, complete it from your physician and employment and they will let you know what you are approved for.” Honestly, not believing anything would happen.  I said simply sure. 

One week the paperwork came.  I asked my immediate supervisor/employer to fill out a portion and my doctor to full out the portion that applied to my situation. I sent the paperwork in immediately.  I received a response about two weeks later that said I was entitled to full balance.  When my charge statements came in I had a zero balance and almost fainted.  They cover $1500 for one charge and $2300 for another.  Complete. 

I looked at the pile of bills and said wait what all about this.  It turns out I had insurance on all my charges, my vehicle, my home, my pets etc.  I called anything that I realized I was paying insurance  (boy, I felt like an idiot)  put all the claims in.  
In the next, couple of months I received letter back: some covered balances, some just the monthly installment, some just froze until I came back, which didn’t add interest, and some gave me a new rate, a low rate in lieu of the normal rate, only one was denied but that was because it had a time limit.  

We were about 90% paid for the next four months.  

Baby two, did the same thing but this time I was 100% covered. 

Baby three, same thing.  Why? Why not! This is the policy I signed up for AND I have the opportunity to utilize the resources that I have paid for.  I am now constantly making sure we have insurance on any and everything.  I pay about $1.00 a month to be covered for credit. About $39.00 for pet insurance. My children have their own policies,  which will become liquid for college.  

And, most of my  protections don’t just cover maternity leave, they cover all leaves, changes, certain deaths, life changes – like moves…etc.

This was definitely the smartest financial application I ever filled out.  

We need to not always be sucked in but be researchers, identifiers, and yogis of our financial health.  If your sick you try to help your self to get better.  Do the same for your finances.  

And have a #fannytastic life!

Superheroes are real

There comes a time in someone’s life when you realize that superheroes are real; it happened to me, I met one.

I mean he didn’t have a cape, he couldn’t fly, didn’t have superhuman strength, he wasn’t faster than a train or locomotive but he is a superhero.  He is amazing, I guess you’re wondering who am I talking about; my husband.  Don’t be judgemental! He is awesome.   He will do anything for his children.

Since day one, he will make sure that we have a full refrigerator, all the bills paid with clean laundry.  He monitors all the homework and still maintains a  happy wife who is always sick.  My husband is my best friend and has a decade to prove it. 

I pray that we are together forever, I hope he is praying for that too.  I only hope that I live up to some expectation that he has, which I really don’t know what it is because he never complains.  I will ask him periodically, if there is anything that I can change or are you happy with our relationship. His response is so funny but he always says, “I’m here aren’t I” and he is. 

My husband is not the emotional type of guy, the one who wears his heart on his sleeve.  He is a guy that is more of the silent rugged diesel fuel behind the ears, truck pushing, monkey wrencher with a grip on reality. 

It is how he conducts himself with our children that is so gentle, beautiful and loving.  The way they look up to him.  Admire him,  and pray every night for him.  They literally ask God to take care of him, protect him and watch over him and to bring him home safe.  He works nights, and they know he doesn’t have it easy.  He never complains.

Just knowing him is what sparked the realization that’s superheroes exist because if they did not exist then how could it be.  He must be a superhero because there’s no way he could do everything that he does just being mere mortal like me.

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FANNYTASTIC Lesson #4
The art of appreciation.  Knowing and valuing the people in your life is one of the biggest lessons you could ever learn because just understanding what they may be going through or how much they do for you without you even knowing are blessings, true blessings that needs to be validated.

Have a Fannytastic Life!

Open arms

Today, my husband and I went to visit my job with baby.  We were greeted by all.  What an amazing feeling.  All levels of staff came to see us, and show our little guy love.  We were overjoyed.  My boss who is very special to me, was so happy to see us.  I love the feeling that when I go to work I look forward to it; seeing everyone.

For many years I had jobs where I was not validated and I was mistreated. I often wondered how can I make my environment more positive and the energy more flowing. To be in sync with the office dynamic so I would want to be there.  I really couldn’t figure that out until i started to realize that it’s about integrity and showing by example.  I’m positive, but I can’t change people. 

Therefore, I need to have realistic expectations about my office environment goals. Also, the quality of family.  My colleagues are my work family, this infrastructure is part of creating a solid foundation. Trust, safety net, policy and procedures that keep the team organized and maintain the light,  loving and caring work environment.

FANNYTASTIC Lesson #3
We can’t change people, we can’t have the ideology that maybe we can change people, we need to let people be who they are and love them for who they are. Some of the valuable things about having different qualities makes us more interesting to be around. If we all had the same qualities, it would be pretty boring and nothing would get done.  With that said in the work environment when you are positive even facing negative energy usually your integrity will shine through. Today,  it was a feeling of coming home to my work family and being greeted by open arms.

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Have a Fannytastic Life!

Stingy, me?

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So, baby is adorable and cute and funny.  I mean really I can go on and on and he is all mine (bra ha ha).

It just kind of happened, really.  I was hanging out with him. Wrapped up in his little smile and eyes, hours passed and I don’t let anyone hold him. Normal, right?

We actually went to a party over the weekend and well I hardly let anyone hold him.  It really wasn’t deliberate.  It is like when you are a kid and you get a new toy and you are not ready to share yet.  Kind of like that.

So, anywho.

Today, I went to give baby a bath.  I asked hubby to hold the baby.  I went to get pj’s, towel and lotion.  When I came downstairs hubby was already washing the baby.  I was a little shocked.  My hubby is a true gem.  He does everything.  But I was being slightly greedy.  I kept asking “do you need my help” I knew I was hovering.  He kept saying that my help wasn’t needed.  When bath was done I came and swooped in and got baby with towel, lotion, pj’s the works.  Hubby got dressed to walk dog, I could see he wasn’t the happiest.  He came back to nap, I asked him to hold baby because I wanted to wash dishes.  When I was done with my task I came back and asked for baby.  He called me “stingy”, I gave him a look… but really I was being stingy.

I love this little guy and I guess I’m a little over protective and nervous and anxious but I can’t be selfish. Like me of the boys I need to share them with my family and with our newborn baby I can not be greedy it’s not good for him or me but I will continue to love him and cherish him.

FANNYTASTIC Lesson #2
Call it insecurities, or hormones.  Now, that the baby is home, your “mama bear” instinct is ready to defend your baby cub.  Just remember,  hubby, grandparents,  family, friends, all are really just wanting  to rejoice in the precious little bundle of joy, like you.  Be there, responsible loving mom and let go when help is offered.  Go to the bathroom, have a cup of coffee or tea, comb your hair… Baby will be fine.

Have a Fannytastic Life!