A Mademoiselle's Journey

...

2008-12-02T07:39:00.000-08:00

I'm still away from home. I still have to post my December goals, and December budget plan!

In November we paid off three small credit cards, and our computer! I'm so happy and relieved! :) It feels good that we started paying things off! Not much but anything is better than nothing.

Tomorrow my daughter and I are leaving my family and going back home. It was nice to see the family, friends and bunch of other people that came to see my baby,but honestly 'home sweet home is the best place on this planet' :) I miss my home!

Thanksgiving...

2008-11-28T05:34:00.001-08:00

Saying 'Thanks' for so much, isn't easy. God is there to give and take, and everything is planned on a certain day! My life was always simple but wonderful. I never wanted too much, and I always was happy and thankful for what I had. My Grandparents, as well as my parents, thought me that being thankful and grateful for little things is a bigger happiness in our heart. The warmth and happiness I feel in my heart and soul is for being Thankful and Grateful to God! I cannot list all the things I am thankful for! I do say Thanks and a prayer to God every night before I fall asleep! This moment, I would just say one thing....

I am Thankful for EVERYTHING that God gave me- My husband, My daughter, My family, great health, My husbands business. I am Thankful that I am not starving and that I can afford the most necessary things in life- food, clothes, apartment!

Wishing you all a great and wonderful year ahead, that will make you say a big Thank you to God next Thanksgiving! :)

Monday...

2008-11-24T08:37:00.000-08:00

I used to hate Mondays.
Weekends come and then you enjoy yourself really good, rest, visit family or friends, go catch a movie, have a nice dinner with your loved one, and you just feel like in Heaven.
Then, next morning your alarm clock goes off. You wonder why, and hate the fact that is Monday already.
You enjoy the warmth of your bed, try to cover your head with your comforter and then realize if you don't get up now, you'll be running late for work, school, etc.
Then a hot shower wakes you up, a cup of coffee puts a smile on your face, if there is warm and fresh donut to share the coffee with, you feel like in Heaven again.

But the worst part of that Monday morning is 'work'...You face people you see 5 times a week, more than any family member, and you get back to the same old daily routine.
I just HATED Mondays...

Ever since I'm on my Maternity leave, I enjoy every day, and honestly every day passes by so fast that I sometimes forget what day it is. Baby keeps me really busy. They are adorable but a lot of work.

Today is Monday and I woke up so happy. I fed my baby, changed her diaper, made her burp, and she fell asleep in my arms. I love that part of the day. I enjoy it so much to have her close to me, falling asleep on my chest...And every time I give her a soft kiss on her cheek or forehead while she's sleeping, she smiles. That makes me feel happy because I know she's peaceful and happy. And what else could make a parent happier than to see the kid(s) happy, satisfied and peaceful. :)

Today is not just a regular Monday.
I don't have to get up and go to work.
I had to get up and feed my baby, change her diapers, make sure she burped and then she was falling asleep again :) Peacefully!

Today is a special day.
And I am so happy that I have to do our laundry, pack our bags and make sure everything is in the bag that we (me and my baby) need for our trip.

Tomorrow early in the morning, we're heading to the Airport to visit my family for Thanksgiving :) I'm excited and happy and my family is so thrilled to see her that they just cannot keep their hands off of their phones. They called so many times today that I just want to turn my phone off! :)

Anyway,
In every Monday, and in every other day, there is always something so beautiful that you can enjoy and forget about getting up early while you enjoyed the warmth of your bed. There must be always something that will put a happy and peaceful smile on you face.

It did on mine. I hope it will on yours too.

Wishing you all a Wonderful Monday! :)

Love...

2008-11-23T18:38:00.000-08:00

cannot be seen or touch...
Love has to be felt in your heart.
I felt my love. The love of my life-My Husband.
I am very happy and happier today that everything that was staying in our way is gone! Not gone like disappeared, but it is not staying in our way, and that is enough for me to be happy and enjoy my marriage with him..

Tomorrow I have so many things to do because on Tuesday morning, very early, me and my baby are leaving to see my family for Thanksgiving. H will be visiting us on Thursday because he cannot do without us for eight days. :) That made my day..

Yesterday, I sent H to buy couple of things from the Grocery store, and guess what? He brought some flowers for me too. Red, pink, and yellow roses. The bouquet is so pretty! It was a nice surprise, but he is always so kind, and would do things to make me smile and happy!

Friends...

2008-11-21T09:42:00.000-08:00

Life brings people into our lives, and takes them away.
Throughout my life I've met so many nice people that I became friends with, and with some of them I am still in touch, and with some of them I've lost the touch.

Today when I had coffee in the morning I was trying to count my REAL friends. By real I mean people who where always there for me, thru good and bad and happy and sad times of my life. And guess how many I counted?

Except my brother, my sister and my husband, I have THREE!

1. My best friend from Elementary school, in my Country. She's in Europe right now, just got married, but that doesn't mean we have to throw away our friendship. :) Ever since Elementary school, we've been such great friends, and still are.

2. My best friend from My Country as well. He's always been there for me, and me for him. We are still in touch, and talk almost every day. A great person, with a wonderful heart. I just love him, like he's my brother!

3. My best friend from College in States. He's been my best buddy for years now. We get along, and share the deepest secrets.

How many true friends do you have?
How many of them are always there, no matter what happens, and what you do, they still stay your friends?

:)

2008-11-20T20:39:00.000-08:00

I've completed my school application as well as the financial aid application. Hopefully I'll be hearing some good news soon. The school should start sometimes in December, and I hope to get into that class. Hold your fingers crossed people! :)

H took me out tonight. We had to go get few things for our baby and while we were already out, he said he wanted to take me out for a dinner :) It was such a great night! :)

I'll be heading to my bed, and fall asleep in H's arms...

Wishing you all a peaceful and good night! :)

Am I lonely?

2008-11-20T14:28:00.000-08:00

I'm not sure if I feel lonely or just upset. I'm not sure if I even love or hate this day...

I just love to write...Especially Fall is my big inspiration. I sit in my chair and I just grab my laptop and start writing in my Word File! I enjoy it. Sometimes small things inspire me. Coffee for example.

I do have passion to write. Sometimes I would love to write and share so much on this blog sites, but I just can't. I'm afraid if I start, I might never stop! And that I would consider calling an addiction!

I don't want to go outside. It's cold. It's windy. It's beautiful when I look at outside through my window and see all these beautiful 'hot' colors in parks, and on streets! It's amazing. Such a miracle, especially this beautiful Red tree across the street from our place.. I just love it! This is the season where I just need a fireplace, cup of coffee or glass of wine, and a good book!

Wishing you all a wonderful evening!

Christmas in Europe...

2008-11-20T08:41:00.001-08:00

I miss Europe. I miss my country.
I am an European girl, and to me, like every other European, Christmas is not a Christmas without snow, without good red wine and good homemade cookies. Streets are beautifully decorated, lights everywhere, Christmas -marts are along the downtown's, and people are happy...smiling... On every corner of the street you can see someone is selling some good, homemade, boiled red wine. Most of you might be saying 'Why boiled?'... There is nothing better in my Country than good homemade, hot and boiled red wine selling around Christmas. It keeps you warm, and makes you experience the beauty of Holidays in a special way.

The tradition in our house/family has never been change, now for generations.

I remember when I was about 6 years old, it was summer, my grandma told me, after we had breakfast and I enjoyed my tea while she enjoyed her coffee, that I am ready to start learning Family traditions. She thought me how to bake cakes, cookies and cook the best traditional foods. I've learned all of these, thanks to her.

Every year, in October I start thinking about Holidays and what kind of cakes, cookies and food am I going to prepare. Christmas tree, some good food, wine, and great cake, and cookies, on the table with coffee, while it's snowing outside, cannot be replaced and cannot be more enjoyable than anything.

This year I will be having a nice Christmas tree, Great cake, good foods, and wonderful cookies ...Coffee cannot be forgotten, I'm an European woman :) We love coffee and a day cannot start without one! :)

I will be posting soon pictures of cakes and cookies I am planning to bake! And make couple of pictures of our traditional Holiday Foods! :)

How's Holiday in your house/ family?
What do you do? What do you enjoy most?

I miss a glass of hot, boiled red wine that's been selling in my hometown for years now, and brings such a joy to our hearts!

Shopping!

2008-11-19T10:35:00.000-08:00

I knew I couldn't help myself but to buy something I would love! Yesterday, I saw a beautiful ivory coat & gray suit by Zara, and guess what?
I purchased it! But I got it in a size 8, which is the size I want to be. I'm on a diet and by looking at this suit will help me stay motivated!

H didn't say anything about my shopping. He said that it looks great and he's happy I love it! He was so nice, sweet and thoughtful yesterday. And honestly, I just feel bad that I talked to him what bothers me about his family. I have a feeling that he's trying so hard to be nice to me now so I don't say a word again. I mean, I love him with all my heart but I just can't hold things inside of me. I think he needs to know what I love, enjoy and what I don't!

Sometimes I just feel bad for him that I just want to grab his hand and go far away from everyone. And honestly, as soon as I finish school, and start my career as a teacher, I will consider moving to Canada. But that will be in about 5-7 years from now..

First of all, I need to put my sh*t together and make my life the way it used to be (organized) and focus on important things in my life (H, our baby, our health, school, work, finances).

Next week, we'll be sending our payments for Couple of our credit cards. We'll be paying one big credit card, and either two or all three small ones! :) I'm excited about it!

...

2008-11-18T11:27:00.000-08:00

I spoke with H last night and told him exactly how I feel about having his family staying with us for few weeks or months. It bothered me a lot and I finally got myself together and decided to talk to him.

I mentioned everything. I just feel so empty and unhappy. They all want their privacy and can't accept each other when they really 'should' because they want to enjoy their peace and freedom, and they just pack their stuff and move in with us without even talking to us or asking. It bothers me. After all this is my house. I just hate that. And they've done it for couple years now.

After the conversation I felt great by telling him the truth and explaining why I think this is wrong, and why noone should stay with us whenever they feel like it. I just need to have my privacy too...He listened to me and I realized when I was done talking that he didn't feel good at all. He was sad and upset, and in my opinion he didn't like the truth I guess... He was so quit and sad for the rest of the night.

I am not sure what will happen or what I will do, but I know one thing for sure. 'I did mention it to him, talked to him honestly and it's up to him now to fix it. If he doesn't fix it, then I wouldn't be able to live with someone who can't stand up for him self and his family (wife and kid)... We'll see how things will go today!

Yesterday's good thing: Helped my brother resolve a little 'relationship' problem :)

Today's good thing:

It's me again...

2008-11-16T18:51:00.000-08:00

Since I moved in with my H, there was always someone staying with us (his family) either for few weeks or few months.

This evening I realized that this is what makes me unhappy. We do have one of his family's member living with us for a month already. I'm not saying anything, but I do not enjoy our peace at all.

Should I talk to him honestly?
Should I tell him how I feel?
What if I hurt his feelings?

I am just afraid that one day I will pack my stuff and go, leave him. I do love him with all of my heart but I just love my peace and happiness too.

Today's good thing: I invited my family's friend to stay over at our place instead of hotel! :)

Is it just me?

2008-11-16T10:46:00.000-08:00

Do you ever feel empty and unhappy with your very important (life) decisions?

I do, sometimes.

I've always been a very easy going person.
I've always wanted so little, but enough to make me happy.
I never had big dreams. I had dreams that were able to become realty. I've always wanted a simple and peaceful life, Degree in my pocket (which I got but not the one I want), a good job, happy marriage, kids, etc.

I don't feel that for couple years anymore. I just don't! I don't dream any more. I don't have the desire to want things in my life. I just don't make myself happy.

Sometimes, like today, I just want to scream, but really scream, and say 'I want my life back'! I just don't feel alive.

Don't judge me please. I am not sure if it's this Fall and Holiday season or just me. But I do feel like that for a while- couple years now. I feel that something has to be changed, really soon. I cannot live with this unhappy and empty feeling inside of me any longer. It's bothering and killing me...

I need to start making a list what makes me happy and what doesn't.
It's time to start cleaning my life. Get rid off things and people that make me feel this way!

Lately, there is only one reason that makes me smile and that is my baby ... She brings that pure happiness to my life and makes me feel alive!

Wishing you all a wonderful Sunday!

Today's good thing: Going to gym! (Finally doing something good for myself)

Starbucks..

2008-11-15T10:57:00.001-08:00

They are expensive, but they DO have wonderful coffee! Different tastes...

Last night I had one of their new coffee with Peppermint! Words cannot describe how great that tasted! I loved it!

I want to go back sooonnnnnn!!!!

Yesterday's good thing: I took H out for dinner & coffee!

Today's good thing: I bought my mother-in-law the jacket she's been saving money for!

Goals & Wishes

2008-11-14T20:03:00.001-08:00

I updated my One Year Goals. I changed some things. I don't want everything within that short period of time.

Right now the most important thing is to study and pass my Compass test for University so I can start my School in January. After that I will focus on school, and next thing is to get my car fixed! I also want to get my self this 'My Palm Tungsten E2' to help me get organized. Then in May, for Mother's Day, I want to buy myself that Cashmere by Donna Karan perfume,and these beautiful earrings for my mom! Buy August, my 29th Birthday, I will hopefully pay off my Student loan and have 5K saved!

Right now, like I said, I am focusing on studying for my Compass test, which is on 21st of November, and I really WANT to pass it so bad. If I pass it, I will be getting my financial aid, as well as sign up for my classes.

Next thing is car, and then a job! I want to start my Retirement plan, and college funds for my baby. I want to do something that I can later, when I am old, look back and smile! I need to do this for me & my kid!

Guys wish me luck while I'm studying this weekend and all week next week!

Christmas is almost here..

2008-11-14T10:11:00.000-08:00

I've been thinking about Christmas a lot. I will be gone from my family on that day, but I will send them a Card. We decided not to have Christmas gifts (My mom's idea) except for kids. Everyone agreed because we all are trying to pay off debts and save money. It was actually very thoughtful of her and dad. Card is all they want, and card is all me and H want. H was very happy about their idea. He mentioned it to his family and I don't think they all were happy about it. Not happy for missing a gift from their son & brother this year. It was kind of rude but who am I to say anything about it? It's his family. I personally will do what H and I decide to do.

Anyway,
to be able to make them happy, his older sister is having a Christmas dinner (big one) for us and her H's family. But since H and I want to spend our babies first Christmas alone with her and at our place, we will not be attending her dinner party. H explained our wish to her and she didn't complain or didn't get mad at all. She understood and said that she was happy for us. We might even consider renting a cabin in the mountains and go away if we can find something cheap and affordable..

Last night when we talked about Christmas gifts with his family, his sister was the only one to agree about the gift for kids only, but not for adults. She thought it's a great idea for we are all paying off debts and trying to save every Penney.

H & I decided to spend at most $30 per kid, and that is $90 for his niece, my nephew and our baby. It will be tough to find a nice gift for kids, but I'll try my best. I'm not sure what to get them yet, but I will get something cute that they will love.

For his mom I will create a Photo book. I have picked 10 pictures (my favorites) of her and her kids, me and her grandkids, and I will make it look really cute and nice with all these Christmas colors. That will cost me nothing, because I already have all the materials in H's office. So his mom's gift will cost me a big $0. Not bad, and it will be a very thoughtful and nice gift I think!

For his older sister, who's having the dinner at her house I will be baking cake and bunch of other Christmas cookies. And for her I will frame a picture of my and her daughters together! She will be happy and it will cost me a $0. I've received a nice picture frame for my Birthday that I really don't need, so I decided to regift it, and it would be to her. It's a really nice frame but it just doesn't match the colors I have in my house. It will actually match her colors in her house perfectly!

My cookies will be in a different shapes, and with different tastes...I cannot wait. I'm so excited about it.

H's business clients will only get a card this year!

What are you guys doing for your families?
Any special gift ideas?

It's Friday...

2008-11-14T06:38:00.001-08:00

I'm so happy :)

I'll be enjoying my weekend and do something good for myself. I deserve it!

Last night H got home, and after the dinner he gave me a little box. I opened and saw a Visa Gift Card of $100. :) I'm going to buy myself one of the perfumes I wanted (Even tough I have tons of them) or save the money for something else ...I have to make that decision today... To spend or not to?

Wishing you guys a wonderful weekend :)

11-13 Spendings

2008-11-14T06:34:00.000-08:00

Business Expenses: $59.68

Total spending: $59.68

Yesterday's Good thing: Finished some important stuff for my mom's refinancing of her house :)

Hopefully I'll have a new baby soon...

2008-11-13T08:01:00.001-08:00

Few days ago I heard that 'My Palm Tungsten E2' is a new tool that keeps you organized. I'm not sure how exactly it works but I am assuming that is not that hard. I read some reviews online and everyone, who purchased this item, seems to be very happy and satisfied with it.

I am thinking since I started watching our expenses and making sure everything is paid on time, all my contacts are in my computer, all my appointments are in my computer so I don't miss any, all my must-do things for my baby are in my computer, but what if my computer brakes? I will lose everything.

So...My wish list is growing. I want this baby soooo bad!

I'm not sure if it's because it's a new thing and I just want it so bad, or is it because really need one.

Does anyone know anything about it?

I read on FB blog that she owes one and it was one of her 10 must-haves, and something she wouldn't give up to save money!

I hope I'll be having one soon. I saw it on Ebay selling for $145, brand new. So, the price is not that bad. I'm thinking to purchase one for myself as a Christmas gift?! Not a bad idea, not at all. I think I deserve it, right?

Update...

2008-11-12T20:58:00.000-08:00

Here is where H and I are standing with our finances this month! Since we are trying to save and pay off our debts, I only came up with a budget plan that is so far working out good for us. He brings me receipts when he spends money, I write them down, and list them on my blog, and that way I know what we spent, how much, where, why, etc.

I am very proud of us so far. We are trying very hard. He wants to pay off all our debts until Summer (August) 2009 and would love to start a retirement plan for both of us, as well as a college fund for our kid. I think that is a great idea to help our child out so she doesn't have to worry about her college funds later on. I know some of you might say that is too early to worry about it, but I thought the sooner you start saving college funds for your child or children the better it is! I don't want her to be in my shoes and worry how and when to pay off her education. I don't want her to start her independent life the hard way. It's not fair! I'll try to do my best to make her life easier!

Here is my list that I calculated just a moment ago:

Entertainment- $66.98 ($33.02 left)
Toiletries- $72.45 ($27.55 left)
Business expenses- $1103.49 ($651.51)
Groceries- $272.54 ($327.46)
Family- $350 ($300.00)
Cell phone- $123.25
Utilities- $357.05
Cable- $59.08
Rent/HOA- $2174
Payments- $1,575
Baby- $34.93 ($65.07)
Car insurance- $193.08

Total: $6381.85 ($2,218.15 left)

Hopefully we'll be successful with out budget plan! :)

11-12 Expenses

2008-11-12T20:56:00.000-08:00

Business Expenses- $49.00

Total spending: $49.00

Today's good thing: I shared my dinner with my Sister-In-law who stopped by after work, hungry & Tired!

Miracle or what?

2008-11-12T08:34:00.000-08:00

Last night something special, great, excellent, wonderful, shocking, surprising.... happened.

Awhile back my sister-in-law was living in a different city (Last year) and had a hard time with her job, staying in late and working too many hours. In that time her daughter was only 6, and was in a kindergarten. While she was struggling with her odd hours at work, and running back and forth to pick the kid up from school, and getting stressed because her boss was giving her hard time, she was about to lose her mind. That whole year, last year, was so tough for her, and all I could do is pray for her to have a better life, easier, and of course a better job. I hated to see the kid missing time with her mom and getting more and more quite. I used to go there for couple days a month and helped a little bit. Taking the kid out, playing with her, picking her up from school earlier and that brought her confidence back a little bit. Everything was kind of OK, until march last year where she couldn't handle and take it any longer. Her job was a great paying job and she loved it, but at the same time she couldn't manage it all together. In April last year, I sat down with my H and asked him to move the kid to us so she can at least be a little more happier. We talked to her, and she started crying. She was happy and knew that I would take an excellent care of her daughter who I by the way love like my own kid. She said yes to our offer, and beginning April of 2007 I purchased a one way flight ticket for the kid and she was with us. School was done, and she could stay with me all day. I played with her, took her out, cooked her favorite food, taught her how to bake cookies... We had fun. In August she moved in with us too, my sister- in-law who I love very much, and who was the bridesmaid on my wedding. She didn't have money or place to stay. She has a house here but it was rented. I offered her to stay with us. She did until end of November when she found a job and moved to an apartment.
Right before she moved her beetle (car), that she had for 3 years already, broke down. The engine just blew off and the car was useless. She continued making payment on it, but since she didn't have money back then to fix that car or to buy another one, we purchased a 2K car for her to use. (of course my idea again) ...

She hated her car (beetle) and I loved it very much. It's one of my favorite cars, and I would always chose that car over any other! Last night she told me that she's going to pick up her new car on Thursday. We had coffee and I was so happy for her because she's getting her dream car (BMW) and is so excited. I am happy and excited for her too, so I told her that. I was so thrilled like I'm the one buying the car.

Anyway, last night, since the beetle was on H name, she wrote him a check for 4K to pay it off, and get done with it. H asked her if she wanted him to list the car on a website so she can try to get couple of K for it. She said 'NO, I don't' want that. I'm giving the car to you' and looked at me with a smile. I said 'No i cannot take it' ...She said you will take it and it's yours. Tomorrow will go and take care of the title and transfer it to your name, and if you can fix it, it's yours! I couldn't believe it!

I GOT A CAR!!! AND I GOT IT FOR FREE!!!

So, since she didn't want any money, and I love that car, I offered to take her to her favorite restaurant out, which will cost me mostly about $100 for both of us, but it's worth it, and I am also thinking to buy her a nice gift (I am not sure what yet but I will think of something)

Last night when we got home, H did some research, called his Mechanic friend and found out that it will cost me about 2.5 to 3K to fix the car, which will have only about 40K miles on it, and it's in a great condition!

Car looks great. We had it checked earlier today with a mechanic, and he said it's in an excellent condition, just the engine itself will cost me about 2K and for him to fix it, since he's H friend, he'll charge me anywhere between 500 to 1K ... NOT BAD, NOT AT ALL!!!

I told H that in January, after Holidays, and after we pay off some Credit Cards, I would love to get the car fixed!!!

I couldn't believe that she gave me a car! I couldn't believe that I will be driving my favorite car, in couple of months, for FREE! I will have no payments, and my insurance agent, who's also a friend of mine, checked the insurance rate for me, which will be about $80 a month! So the car with insurance will cost me only $80. And I was thinking to save about 6-7 K to buy a car and insurance, etc, I taught around my 29Th birthday, in august 2009 I will be able to do it! :)))

His whole family is so nice to me now. His sister was always nice to me, the older, and I love her very much. With her I never had any problems.So everyone seems to be happy and satisfied, and as long as it stays this way, I'm more than happy! :)

My short term goals, what I want before my 29Th birthday will be accomplished most likely before I planned! :)

I'm so thankful for this car.
I'm so thankful for my sister-in-law's great heart!
I'm so thankful for this beautiful, a little cold day!

11-11 Spendings

2008-11-11T19:11:00.000-08:00

Business Expenses- $30.00 (H had to get full tank of gas)

Total spendings: $30.00

Goals...

2008-11-11T11:37:00.001-08:00

I do have a list of my short term and long term goals. Some of them are really hard to achieve but some not so much.

I am one of these people that never give up what they want. I do want so many things lately, but mostly I want a FULL TIME JOB! Here is what I have to do by August 2009 (that is my birth month, and I will be 29 next year)

1. Start school
2. Find a full time job
3. Get a car
4. Have at least 5k saved
5. Pay off my Student loan
6. Buy these beautiful earrings for my mom (I saw a pair of beautiful earrings that I would love to buy for my mom. They are sooooooooo her)
7. Volunteer at a neighborhood school for a week or two
8. Visit a dentis and get a filling done
9. Buy a black prada wallet for me and my sister
10. Buy myself a Burberry London Perfume & Cashmere by Donna Karen
11. Start working out regularly
12. Get back to my 135lbs

My long term goals' list is much bigger. This is just something I want so bad and will work hard to accomplish.

Last two years have been a little shaky when it comes to the family of my H. So honestly I don't trust anyone anymore. I want to accomplish all this, mostly to have a healthy baby, a job, saved money, car and paid off student loan...Everything else can be done slowly. I want to make sure that I have a back-up plan (Plan B) for me and my baby...

Today's good thing: Made a wonderful breakfast for my husband and we enjoyed it before he went to work.

11-10 Spendings....

2008-11-11T11:26:00.000-08:00

Business Expenses- $12.93
Baby - $15.95

Total spendings:$28.88
(not bad at all)

11-10 Good thing: Talked kindly and resolved all the issues with my husband!

(Thanks to all of you who supported me yesterday! It was such a tough day, but thank God it's over!)

11-9 Spendings

2008-11-09T18:31:00.000-08:00

Business Expenses - $67.39 (Lunch)Groceries- $118.68
Business Expenses (Gas) - $31.00

Total Spendings: $217.07

*******
Today's Good Thing: My mom-in-law is saving money for her glasses, so I gave her the $50 needed so she can get them this week. I cannot explain how happy I was to see her happy! :) That made my day, and hers as well :)

11-8 Spendings

2008-11-08T16:45:00.000-08:00

Groceries- $5.18 (H got two warm and fresh breads from the bakery) :)

Total spendings: $5.18

Not bad, not at all :)

**************

Today's good thing: I took care of my sister-in-law's daughter so she could get some rest and enjoy her day alone! :)

Magical moments...

2008-11-07T21:06:00.000-08:00

Sometimes I was happy when I went out with my husbands or friends... I enjoyed that time and would come back home all pissed at myself when I sit down and calculate my spendings. I used to be without control! Sometimes, but very often to be mad at myself!

Today... I'm in my late 20's and I enjoy my life. This is what I wanted

- to have a wonderful husband who cares about me and loves me for who I am, and I found him!
- to have a child
- to be happy with my life
- to enjoy little things, which I do!

Tonight is a Friday night. I spoke with a friend of mine and she was all excited telling me that she is going to a party! I was happy for her, but I honestly would not trade one minute of my life now for her entire fun life!

We spent a very nice evening with my H family. His sister and her husband invited us over for dinner. It was such a great dinner and night! We ate, had tea later and enjoyed our time together... Everything was so calm, beautiful and fun! I loved it!

It was a magical night with lots of wonderful people around me...People I love!

Sometimes little simple things in our life are so much better and more enjoyable...

11-7 Spendings

2008-11-07T20:52:00.000-08:00

Toilettries- $21.56
BUsiness Expense- $32.40
Payments (Student loan) - $200.00
Entertainment - $7.50
Baby (Formula & Infant water- used my $5.00 coupon for the formula)- $18.98
Toilettries - $8.49
Auto insurance- $193.08

Total spendings today: $482.01

Todays good thing: Helped my Mother-in-Law and kept it as our little secret... When you see someone having happy tears when you do something for them, that means you did a good thing! :)

11-6 Spendings

2008-11-06T13:25:00.000-08:00

Business Expense (Gas)- $32.22
Groceries- $2.07
Groceries- $5.27
Groceries- $5.19
Entertainment- $9.00 (Pizza Hut/ we had credit for $15, and got two pizza's including tip :) )

Total Spendings: $44.75

Today's good things: I offered my Sister-In-Law to watch her daughter while she was at work, so she doesn't have to pay for her 'after school' :)

11-5 spendings

2008-11-06T09:54:00.000-08:00

It was a really busy day yesterday. Also a big spending day as well. Bills, bills bills! I hate them!

Here is the list of our spendings for 11-5:

Business Expense (Gas) - $32.03
Credit Card (WaMu)- $200
Credit Card (Home Depot)- $200.00
Credit Card (HSBC)- $50.00
Credit Card (Amex Gold)- $675.00
Credit Card (Citi)- $250.00
Cell Phone - $123.25 (My dear Husband was fighting with them on the phone last night and instead of paying $259.89 we got the credit from them and paid only $123.25- Yeaaahh)
Utilities (Electric/Water)- $357.05 (My DH lost control with AC)
Cable - $59.08
Business Phone/Internet- $159.00
Rent - $1,424
HOA - $750.00 (Condo fee for three months)
Business Expense/Employee - $150.00
Business Expense/Software - $295.00 (monthly payment)

Total spending: $4724.41

Today's good thing: Applied for a job for my mother-in-law!

11-04 Spendings...

2008-11-04T20:17:00.000-08:00

Business Expenses - $5.82 (Lunch for my hubby he purchased)

Today's good thing: I VOTED!!

Election DONE!

2008-11-04T20:16:00.001-08:00

Obama won. I'm happy!

I voted, and that makes me even more happy! :)

Go Vote!!!

2008-11-04T10:00:00.000-08:00

Everyone get out and GO VOTE!!!

I want...

2008-11-03T18:10:00.000-08:00

...to treat myself with a parfume soon.

I do have many of them, but tonight I had a chance to smell the Cashmere by Donna Karen, that I just loved & Burberry London (that I already had once and gave it away because my H said that he didn't like the smell, and now I am so pissed that I've given it away. I totally forgot about it but when I saw it at the fragrance department I remembered it. I will get me the same one again... SOON!)

11-3 Spendings...

2008-11-03T17:56:00.000-08:00

Family- $350.00 (H gave his mom for her retirement account)
Business Expenses - $32.06 (H had to get a tank of gas)
Business Expenses - $140.40 (H had to get some gifts for his customers)
Business Expenses - $8.47
Toilettries - $25.48

Total: $556.41

~~~~~~~~~

Today's good thing: Helped my mom with her house refinance! I didn't want her to stress by dealing with all these Homeowner Insurance agents and Loan Officers, so I took care of it for her! :)

11-2 Spendings

2008-11-02T18:53:00.000-08:00

Today we've done some shopping for the entire week. We are doing our best to stick to our $150/week groceries budget.

This is the list of our spendings for today:

Gas- $33.40 ( $566.60 left for the whole month. This $33.40 is for the full tank- unbelievable after all these high gas prices. But this is husband's company spendings)

Toilettries- $6.75 ($83.08 left! Today I purchased shampoo, conditioner and body wash)

Groceries- $102.98 ($463.89 left. Grocieries for the entire week)

Entertainment- $2.99 ($$48.00 left for the entire November. We purchased a movie on HBO for our family. We had a fajita night at our house and I invited my husband's sister with her hubby and daughter, me and my hubby with our daughter, and my mom in law. )

Total spending for today: $147.12

~~~~~~~~~
Did I mention that I want to do every day one nice thing for someone. So that means for 30 days in November, I will have to do 30 good things!

Today was a great day. I decided to get out of the house. First I made a breakfast for me, hubby and my mom in law. I made some fresh homemade bread for us, my two sister in laws. So after the breakfast, I took my baby, mom in law and my husband's niece with me to the park. Right after we left the house I dropped off one bread at my younger sister in law's house, and then went to the other sister in law house to drop off the bread I made for them, and to pick her daughter up. It was such a beautiful day and since I'm trying to relax I wanted to do something nice for everyone. Hubby stayed home to get some rest from all of us, I took the baby out to get some fresh air, picked up hubby's niece (so I could have her mom spend some time with her husband, am I not nice?? :) ). I enjoyed walking in the park, watching all the happy faces and just thinking of NOTHING but me and my baby! It was a great day! :)

Today's good thing:
- Baked bread for my sister-in-laws.

-I invited my husband's whole family (mom, sister with her family and my younger (single) sister-in-law for dinner (Mexican food- fajitas)!

November 1- Spendings

2008-11-01T18:18:00.001-07:00

- Entertainment:$50.00 ($50.00 left for the Entertainment this month)
We had a lunch at our favorite restaurant. The weather was so beautiful and we couldn't resist!

- Groceries & Toilettries - $42.34 ($557.66 left for Groceries and Baby's needs until end of November)

So far so good!

Today's good thing:
- Surprised my husband's niece by joining her for her marathon race!Being there as a support meant a lot for her. :)

Wishing you all a wonderful weekend!

Love,
Mademoiselle!

November/December/January/February Expense & Budget Sheet

2008-11-01T04:57:00.000-07:00

Here is our November Budget list. If we make it happen, then we can pay off everything within the next 6-7 months. Paying off all of our debt within few months is amazing. I just hope we stick to our plan and watch our spendings.

~~~~~~~~~~~

Rent & 2nd Mtg - $1,724.00 (Including our rent and condo fee)

Minimum Credit - $850.00 (We'll be paying off some credit cards & collection so the amount will be $400) less

Cable -$60.00 (The company screwed me up on this deal but I will be canceling the contract in November)

Cell Phone - $260.00 (husband lost control - had so many business phone calls to make and the bill came up high... Usually is $120)

Auto Loan -$474.00 (This will be gone hopefully in a month or two when we sell this car)

Auto Insurance - $170.00 (Cannot go lower because of husbands 2 tickets)

Family - $300.00 (helping our families with a little amount that adds up, but at the end they are our family and we cannot sit and not help)

Baby & Groceries - $600.00 (Hopefully we can make this happen)

Utilities - $360.00 (Husband just lost control with AC, it's usually $200)

Our Thanksgiving trip - $200.00 (I already mentioned that my baby and I are going to visit my family for Thanksgiving)

Husband's Business expenses - $1,700.00 (this includes everything - PT employee, gifts, internet, phone, fax, and many other expenses)

Entertainment - $100.00 (Hopefully we can make it happen to spend less but we'll see at the end of the month)

Total - $6,798.00

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

This is what it will look like in December & January

Rent & 2nd Mtg - $1,724.00 (This cannot be changed Until February)
Minimum Credit - $650.00 (Hopefully will go Down from $850)
NetFlix - $15.00 (No more cable)
Cell Phone - $120.00
Auto Loan -$474.00
Auto Insurance - $170.00
Family - $0.00 (we paid until end of the year so no payment for December)
Baby & Groceries - $600.00
Utilities - $200.00
Trips - $0.00
Husband's Business expenses - $1,630.00
Entertainment - $50.00

Total - $5,633.00

~~~~~~~~~~~~~~~~~~

$6,798.00- $5,703.00 = $1,095.00 Savings in December & January!!!

~~~~~~~~~~~~~~~~~~~~~~~~
February budget:

Rent & 2nd Mtg - $1,400.00 (Rent $1100 + $300 condo fee)
Minimum Credit - $200.00 (Only my student loan will be left)
NetFlix - $15.00 (No more cable)
Cell Phone - $120.00
Auto Loan -$474.00
Auto Insurance - $170.00
Family - $250.00 (we paid until end of the year so no payment for December)
Baby & Groceries - $600.00
Utilities - $150.00
Moving Expenses - $500.00
Husband's Business expenses - $1,633.00
Entertainment - $50.00

Total - $5,562.00

November budget...

2008-10-31T19:27:00.000-07:00

I created a list with our November budget. Not done completly but I am almost there. I have few more things to add and I will be done! I can't wait for November to be over so I can finally sit down and compare our spendings vs. our budget list!

Wishing you all a Happy Halloween :)

New Golas for November...

2008-10-31T06:19:00.001-07:00

November here you come!!

I'm not complaining. In fact I'm very excited about November. I'm even more excited about our budget. I wonder, at the end of November, how'll we do with our budget?!

I'm not sure if I explaind our Financial situation at all. My husband has a business that brings in about 10K every month. In order for me to find a day job, I would have to find a nanny for our baby and hubby would have to hire someone to help him with his business, to replace my position. I actually help him, and that is how we can save more money. It's been going good so far. We don't have problems or complaints.

In November, we spoke about getting couple more new clients, and as of yesterday, I think he got them. We'll find out Monday. But we are sure that one is clear, but the other one, I'm about 85% sure they will go with us (because we offer better rates and service)! If they decide today to go with us, that would mean that hubby wouldn't have to get a PT job which would make me and our baby very happy. We then would spend more time together!

Another thing I'm worried about is 'Groceries' ... I hope we can stick to our budget of $600 including the two of us and our baby! I just hope we'll do well...

I'll be posting our budget list later on! I just hope it'll work out for us and November...

Come on Mr. November, be nice to us plssss!

My Husband is the best!

2008-10-30T09:22:00.000-07:00

But I really mean 'the Best'...

This morning I was so exhausted and tired when he was leaving for work. I said 'bye' to him, and tried to get back to sleep but for some unexplainable reason I couldn't fall asleep. So, I got up and while I was brushing my teeth I was thinking what I could eat with my coffee... Honestly, I was craving something sweet... Half an hour later, by the time I was done and ready to enjoy my coffee, someone walked into my house. I looked and there he was..My hubby! Do you guys have any idea why he came back home one hour after he left for work??? Of course you wouldn't guess that he came and brought me some doughnuts. He knows I love them when they are warm, fresh and smelling good in the morning. With my first coffee of the day, that sure is the best treatment you can get :)

Thank you Baby for these wonderful donuts and for thinking of me! I love you!

Isn't he the best?

Halloween & Thanksgiving ...

2008-10-29T10:44:00.000-07:00

Don't you just love fall and halloween?
All these beautiful bright colors? Red, orange, yellow?

This is my favorite season. I'm not saying that Christmas season is not beautiful, it sure is, but Fall is just something else..It always was my favorite! Every year I enjoy walking in parks, especially during the month of september, october and november... This year I didn't do much of decoration, I mean not at all, for Halloween. First, I didn't have time to go shopping, and second, I didn't feel like spending that extra money, that we are trying to send toward our debts.

I only have two little pumpkins on my balcony and hubby with his niece might do some decoration, but nothing much or special.

Last year we had a beautifully decorated our place and everyone was impressed. We didn't care much about our debts back then, but now, I do care and I don't care who's gonna say what. I just first follow our financial plan, and then see what I can or can't do!

Thanksgiving- will be a great one. I am going to visit my family for this Thanksgiving. My baby and I are staying there for eight days. Hubby has to stay home and work. He didn't feel like going there anyway...Every time I go to visit them I used to spend so much money, but this time, I have a budget. Hubby gave me $300 for a ticket (me and the baby) and said that I can have $100 budget for spending (coffee and catching up with old friends)... So I've done some good, but I really mean GOOD, research about flight tickets, and found one for $256, and honestly I almost got it. But something was telling me not to. So I've waited two more days, did some more research, and guess what??? I found a ticket for $139 - roundtrip, me and my baby! Unbelievable, I know! But I honestly found a ticket for this amount. Airtran had a wonderful special :)... I will have a $61 budget, and that's it! Instead of spending $400 I will be spending $200 including our ticket. Total savings $200. Not bad, not at all :)

Cutting off things for savings...

2008-10-28T21:32:00.000-07:00

This will be a big and hopefully a great month for us.

We have a budget.
We can't spend extra money.
We will spend less on food, and I think that $600 for two adults and a baby is more than enough.
We will start paying our debts down.
We will have extra income (DH PT job).
We will have a cheap and good month.

I will also get to go to see my family. Hubby just got me and our baby a flight ticket... Nice huh?:)

~~~~~~~~~~~~~~~~~~~~~

We will do the following to be able to save and be on track:

- Cut off the Cable ($59.00 a month) and get Netflix for $10 a month. Total savings $49.00
- Cut off my eye brow treatments ($40 a month) and start doing it myself like before. Total savings $40.00
- Find a cheaper apartment ($1424/ two bedroom a month) and get something up to $1000 a month. Total savings $424.00
- Cut down the Internet & Phone bill ($160.00 a month - total). Cancel the service with the current company, and get the service with a new company with a better deal of $75.00 a month for both Internet & phone. Total savings of $85.00 a month.
- Sell our car ($474 a month payment) and get something up to 4-5K cash. Total savings a month $474.
- Make the policy changes with our Car Insurance company and reduce the amount. By replacing our current car with something cheaper, the monthly insurance premium of $170.00 will go down to $100.00 max. Total savings of $70.00
- Cellphone plans will be reduced from $120.00 a month (Family plan) to $90.00 a month (family plan) max. Total savings of $30.00
- Groceries for two adults and a baby will go down from $1000 a month to $600.00.I started making a weekley menu so I know what I need to cook and buy for the whole week. Total savings of $400.00 a month.
- Entertainment amount of $200 per month will be cut down to $20.00 a month (movies or coffee) until we pay off everything. Total savings of $180.00 a month.
- Utility bill of $250 a month (average) will be cut down to $200 (winter is coming and we have a baby). Total savings per month $50.00

Total monthly savings: $1802.00

This is someone's Monthly income. That is a lot of money, and I will make sure it's saved. In two months I can pay off a $4000 credit card with this savings alone. Hubby thought that we are cutting off so many things, but then when we sat down and realized where the money is going, we decided to stick to this plan. Baby steps are small but safe and hopefully successfull!

Finance update...

2008-10-27T19:47:00.001-07:00

Tonight, and yesterday night, DH and I have been talking about savings and finances a lot. I mean really a lot. We are so into saving and paying off everything so we can finally breath free! Doesn't everyone want that feeling? I DO!

We decided on taking baby steps and start paying small amounts first! He is going to get a night job, part time job, and try to send the PT Job money toward our debt. I would love to get a job too, but I just had a baby, a month ago, and he wants me to stay with our baby for she really needs her mommy! Just the thought of going to work and leaving her alone is braking my heart. I cannot go and look for a job, not for another couple of months. I was actually thinking to make a post on craigslist about baby sitting someone's kid during the day. That would bring few hundred bucks in our pocket and we would help us out a lot.

For me to work we have to find a baby sitter and pay her for staying with our little angel. But that is not all. If I work and pay her at least 150 a week, and I make with my PT job about $200 so what is the point to work???

Another thing is that my DH's mom is not working at all. She is staying with us, and just sitting around or goes out for a walk or just enjoying the day. I understand she is bored and wants to get out of the house. She is not one of these people who would run to find a job and enjoy their life. She doesn't like to work and DH has been taking care of her for years now. If I leave my baby with her, I would have to pay her too, so I wouldn't save any money. For free, she wouldn't do it. If my mom was here she would jump on taking care of my baby without even being asked. But not everyone is alike! Anyway... So far...

Here is where we are standing:

- DH is starting a evening and weekend PT job.
- DH is getting rid off of our car, and getting something cheap, that will be purchased cash!
- We will start paying off our debts!

Wish us luck ;)

School application...

2008-10-27T07:37:00.000-07:00

I submitted my school application and now am waiting to be either accepted or not! I hope I will be, so I can start in January. My goal is to finish within 3 and a half years so I can become a teacher then.. Can't wait...

Does anyone know any grant programs to help you pay for school if you want to become a teacher? I heard that there are some programs out there and I have to talk about it with my financial aid advisor... Hopefully I'll be lucky! :)

Shame on me...

2008-10-26T17:48:00.000-07:00

for many reasons. I didn't have time to be disciplined about our finances or anything else.

On September 25th, I delivered a beautiful baby girl. And it took us one month to get back on track with our busy life. Days and time pass by so fast that I cannot explain. Feed her, change her diapers, play with her a little bit, cook a meal, make sure she's clean, she burped, make sure she had at least 3-4 wet diapers, make sure the poop color is perfect, make sure she gets her tummy time done...etc etc... Kids are wonderful, but let me tell you they are so much work. The day passes by so fast in a eye wink... You don't have time to sleep because as soon as she makes a little sound you jump and then she gets a stuffy nose, and you are so scared to fall asleep because God forbid something might happen to her. And that is how my days pass.

Hubby and I spoke about our finances to get back on track starting November 1st, as well as with our weight.

I want to get back to my weight before I moved in with my hubby, exactly two years ago, a little bit over two years, and back then I was weighing 145, and gained 30 more by staying home and being a great wife.

He was two and a half years about 280lbs, and me just couple months before I met him, I was 135lbs, and that was such a perfect weight for my 5'6".

My 6 week check-up is on November 6th, and as soon as I get a green light from my OB/GYN I will start a diet, and be strikt about it.

Tomorrow we are starting to work out in our Apartment complex gym. 6 times a week, should show some results.

*************************

Weight- Health:

Today here is where my husband and I are standing ...

Hubby- 340lbs ( muuuuuuuuuuuch more than he should weigh)

Me- 190lbs (muuuuuchhhhh more than I should have. Considering that I just had a baby a month ago, should not be a great excuse but at least I have one :D )

This is where we want to be:

Hubby- 250lbs

Me- 135lbs

Finances:

Our debt has been raising for the past two years, and just about this summer we started taking control of our finances but not too well this past two months. None of us is very disciplined when it comes to finances and spending money, but we are at least trying ...

This is where we are standing:

Finances:

Debt amount: Credit cards & Some collections - $31,090.27
Student loans (my s.loans) - $9500.00
Car: $24000.00
Mortgage: $340,000.00

This is where we want to be:

Debt amount: $0 BIG FAT ZERO!!!

Car: Sell it and get a cheap car, pay cash for it, up to 5K.

Mortgage: Start paying off slowly when done paying C.Cards....

Goal : Pay off our credit cards, collections, and get rid off of our car, by end of December 2009!!!

Sell...Sell..Sell...

2008-09-24T11:44:00.000-07:00

My DH and I made a decision a while back, exactly 2 weeks ago, to start selling stuff we don't use or need anymore. It started with little things, and ended up with some furniture pieces.
So far we made about 5K. It is a pretty good amount of money! Beside that, we made some extra money by selling things on craigslist to be able to pay off our Laptop from Dell & my small collection! Not bad, at all!

Tonight after our dinner, we'll sit down and make a decision what to pay first, if anything, or just keep the money in our account for an emergency, until we save some more money that we can count on as an Emergency funds.

As I mentioned before, we don't have any savings nor emergency funds. We are thinking about to pay off some small credit cards, collections and loans, and then jump on to the big ones. Until then, we will keep this 5K in our account, and make sure we add as much as possible money to this amount so we can finally in a month or two pay off other small loans & credit cards, and of course couple of other collections we have.

My DH told me that it would be a good idea to hold on to this money because we're expecting a baby any moment now, and because of that, we might need some money for the baby or something that will come unexpected.

At least... we're heading towards our financial freedom!

Appointment update...

2008-09-23T09:02:00.000-07:00

I was kind of excited to see my Midwife today because she's such a nice woman who can answer all you fears, concerns and questions. If I should have another child, in the near future hopefully, I would choose her again. She's so sweet.

Anyway,

Today I was told that I started dilating and it was over 1cm, close to 2cm. She said that I should come back next Monday for another check up and then she will talk to my doctor to make sure that they can schedule me for Labor next Monday evening. Actually I was so thrilled about that idea because my sister will be visiting me next Monday morning, so it will give me enough time to go pick her up from airport with my husband and go straight to my appointment. I hope I would be able to deliver next Monday evening because I would be very happy to have, beside my husband, my sister with me in the labor...

Anyway...this week will be kind of long ... Waiting :)

*****

I have to plan our menu today so we don't spend money on going out. We made a list which is more like a contract and every time one of us wants to go out and eat something, we have to figure out how much that would cost outside, and that person is supposed to take that amount of money and put it in our debt jar. That money is some extra money that we don't count on to be able to send toward our debts :) Good idea huh? Of course it is when a woman comes up with it :) :) :)

Menu....Tonight... We will have some good chicken breast with veggies and rice... (Rachel Ray's speciality from the 30 min meals) + I will make some good salad!

*******

Did I already mention that I just LOVE this season? Fall is my favorite season...All these beautiful colors outside in parks...Awww sooooo cute & romantic and beautiful... We might end up going to park today or tomorrow to take some more pictures of my belly ... It would be perfect to do so while the weather is just wonderful and parks are being colors with these beautiful leafs :)

Wishing all of you a niceeeee day ...

What is....

2008-09-22T17:11:00.000-07:00

... Life without love?
... Happiness without a happy marriage?
... Laughter without kids?

When you have a respectful and wonderful husband, who supports and loves you as you are, what else can you do?

Nothing but thank God!

*******

We started reducing our over 30K debts ....

We paid the following today:

- My small collection of $220
- A computer (lap top) we purchased from Dell 8 months ago. The amount left to pay was $960. It was mailed out today!

Some of you might say 'Not much' but for us it means something. We are happy that something is happening ... We're paying off things we think are a 'must'...

Also no going out for a week! We enjoy eating home, and we don't buy groceries like we used to... We plan our meals and buy only what we have to have!

In this economy today, we all have to be more careful and pay attention even to these small spendings, that add up fast and a lot!

*****************

Also, only one week left until my due date! I've been having some contractions over the weekend but they were first for 2 hrs with 10-12 minutes apart. And then Sunday night they were like 9-10 minutes apart... I think the time is knocking on our doors and letting us know to get ready... I hope it'll happen this week...We are so excited and can't wait to meet our little angel!

I pray to God for an easy labor!

I would love to ...

2008-09-18T11:47:00.000-07:00

learn couple of GREAT French dishes!

Anyone willing to suggest something good from a French cuisine?

Ahhhh that feels WONDERFUL...

2008-09-16T19:30:00.000-07:00

I'm 38 weeks pregnant.
For the past 2 weeks my feet are swelling like crazy...
It does hurt, I'm not saying it's not ...
And tonight...after our dinner, i laid down on the couch in our family room to watch TV with my husband and he looked at my feet and asked so kindly
'They are so swollen. Do they hurt?'
'Yes...' was my response with a sad face

He started massaging my feet and it felt sooo GREAT.
He massaged my feet for few minutes, and I am just feeling like a newborn now...

Thank you baby ...

If you have someone so lovely and kind at home, after a really busy and stressful day, let them massage your feet, and you will feel sooooo goood!

New Fall Pieces...

2008-09-16T10:21:00.000-07:00

I would have to get me few cloth pieces this fall, but since I will deliver this month my first baby, I thought about to save some more money and do the shopping in couple months (End of November maybe?) when I start loosing the baby weight! I do have most of my winter clothes that is still new looking therefor I wouldn't need to go do a BIG shopping. Just a few thing here and there, to make me smile and happy! :) I looked at some websites and honestly there is a lot of new clothes for fall and winter displayed, but all of them are costing money. It's impossible to buy stuff without spending much money.

I, actually, made a decision: I will buy things that I like, and that I can match with my other clothes at home. So it still would look like 'new' and make me happy! :) I don't want to renew my wardrobe until I am back to my 135 lbs, which is my goal by May of 2009, and when I am back to my 'goal/dream weight' I will then go shopping and make sure I get what I love and need! :)

Here is my wish list:

Old Navy displayed some good clothes and jewelry pieces. I like this 3/4 sleeve Sweater in Gray. It is only $20 now on clearance. Not bad at all! I might definitely get me this piece! :)

Then I checked Banana republic website and saw this hat. I fell in love, but really did fall in love, with this pretty black floppy hat at Banana Republic... So beautiful! The cost is $69. I might get me this one, only if the price goes down a little, this would be more than I can spend (what my budget allows me :( ) I love hats, and have so many of them, but this one is something else!

Banana Republic has this beautiful pair of boot socks to warm my feet during the winter... I love this style, and it looks great to wear them when you are just enjoying the time at home. I will for sure get me at least one pair ($12.50) of these! They have different colors!

My favorite website VictoriasSecret.com has this beautiful new Sensuous cable knit sweater (wine color) for $118, which is a little too pricey, but ... Somehow I feel I have to have this piece of cloth. I wish it was a little cheaper :( I might check other outlet stores and look if they have something similar to this, which means cheaper too!

Well, hello my lover! People who know me, know also that I am crazy and obsessed with shoes, purses and perfumes. I love to have a nice and beautiful (good quality) pair of shoes, purse and a good perfume that I can count on. This red/black pair of shoes by VictoriasSecret is $70 but I am not sure if I should even think about it. I do, for sure, love this pair!

This coat is just leaving me speechless. I do want to buy myself a nice red or white, possibly both colors :D, coat. But that will not happen this year. Maybe next fall/winter. I have one long black coat that I never wore, one purple that I also never wore, and one coat (black) that I love and wore few times. I just think spending money on another coat would be insane. I will try to hold my self back when I see a nice piece of a coat! I promise I will try!

Also perfume, this fall and winter I am not sure what kind I would love to have. I do have few perfume bottles, but my favorite is 'Coco Chanel Mademoiselle' which I've been using for years and love it. I got a nice big size bottle for our Anniversary from my Husband. Lovely! :) I don't think I would need anything else. I would actually have to get a nice piece of a coat for my baby, but that will probably come from Potterybarnkids.com, where I saw some great coats for girls on sale.

Also, husband has to renew his wardrobe too. He has to go get few nice fall and winter pieces for himself... He's so easy when it comes to shopping. He sits in front of his lovely computer, gets on his favorite websites, and gets the stuff he likes and needs. I wish I was like him, but NO. I have to go to the Mall and spend hours and hours looking for something that I don't even know what I'm looking for.

Anyway...What about you guys? Do you like shopping? Anything you WANT or HAVE to get this fall/winter?

Love,

Mademoiselle

Pregnancy update...

2008-09-16T09:22:00.000-07:00

I had an appointment earlier today, and the Dr. said that everything was good with my baby. That made my day ;)

Now I just have to wait for her to decide to pop out ... Hopefully very soon!

*******

I found some good pieces online at Banana Republic... I got to post some pictures.... This Fall is bringing us some good stuff, but costly too!

Birthday Dinner...

2008-09-15T19:40:00.000-07:00

We didn't go out. My DH didn't want to and we just stayed home. I invited his sisters, niece, and mom over for dinner. And guess what we made?

Fajitas! But we made some GREAT Fajitas, that everyone loved.

One thing is for sure. ....

From now on when we plan to have a Mexican food lunch or dinner, I will definitely go to one of the Mexican Super Markets, where everything is soooo cheap, and a dinner for 6 people will not cost you more than $15. And some of these veggies are unused, which will make us a dinner tomorrow :)

Usually when we go out, just the two of us, we end up paying up to $100 for 2 people! That's a lot! And all these veggies and chicken breasts would cost us about $40-$50 at a regular store (Publix or Kroger).

We had a great time and on top of that, we saved some money on a dinner! :)

Try to enjoy a dinner at home (family or just as a couple). I am talking about a tasteful dinner, but cheap!

We did, and are so happy about!

Happy Birthday My Love...

2008-09-15T08:55:00.001-07:00

Today is not just a Monday that I usually don't like.
Today is not just another day.
Today is a very special Day.
A day when God sent an angel. 30+ years ago, to this earth, and made me very happy!

Today is my husband's Birthday.
A man who's so caring.
A man who I love more than anything.
Someone who's just making this world a better place by being himself!
He's very special.

I am proud to say that I found someone who's gentle and caring, who's there when I need him, and who makes me feel needed, too!
I found him, who can be proud of who he is, who is loved & respected more than he can imagine.

He's the best thing that ever happened to me.

And today I would love to thank God for sending him into my life, and making him be my husband.
Thank you dear God for making me happy by meeting and marrying an angel - My husband.

Also, I would love to thank my Mother-in-Law for giving a birth to a wonderful man, who she raised in a very special way. When I look at him, I cannot stop being grateful to her for raising such a wonderful person. Thank you Mom!

Baby,

Today...and always....
I wish you happiness, great health, laughter, success and many many more magical moments to spend with me and our little miracle, who's about to be boren.
I hope that your birthday and every day will bring you as much happiness as our life together has brought me.

I love you today and always....

Happy Birthday my love!

Sunday...

2008-09-14T06:11:00.000-07:00

Another day in Paradise...

Sunday's are usually meant for relaxing and enjoying the day. But not ours ...At least not this one. We have so much to do in the house, before I head over to the Labor room, which should be any moment/day now.

Today, my DH and I decided to clean up the house a little bit (vaccum, dust, and organize) before the big day, which is so exciting to both of us.

Also today, we were supposed to be grocery shopping but we did that yesterday. We spent about $76, which is really surprisingly low for us. But at least we are doing better now when it comes to grocery shopping. Before we would have gone to a store buy groceries and then go out to eat as soon as we got the opportunity, which was on a daily basis. Shame on us! Not that I mind going out and enjoy the dinner or lunch or brunch/breakfast, but it's insane to spend a lot of money on dinning out! That was last year.

This year we improved and started to think about saving money and paying our debts down. Now we plan what to eat next day, and we know what we need and what we to have for lunch or dinner. It is so easy and much more enjoyable than going out. We are spending less money and saving more. Not that we have some saving accounts built up but at least we are sending the money (that we save on food and other unnecessary things) toward our Credit cards & other loans.

Sometimes we are make our little decisions and make sure we are on the right road.

My DH and I are getting back on track financially and making sure we don't spend more than needed! Hopefully we'll stay on this track for a while, which would mean 'debtfree' by Summer 2009, I mean $0 owned to CC and loans. DEBTFREEEEEE!

Since I am very busy today, I wish you all a Wonderful Sunday & hope you'll get enough rest for a weak ahead!

Tonight we'll be renting a movie & enjoying our evening! :)

Love,
Mademoiselle!

September

2008-09-13T19:47:00.000-07:00

is the month I just love. Acutally I love the Fall. I enjoy all these beautiful colors you can see outside in the park and street. I just wanted to start blogging and leave a little story about things I love, enjoy, experience, go through, hate, and places where my heart took me to.

This is not just a personal finance blog, but also about other things in our life that every woman thinks are important and fun!

Anyway...

I'm a 28 year old female, living in Atlanta and loving this City. This is the City where I met the love of my life, my husband, where I found myself and where I started my new dreams and goals to write down. Having a husband that supports you in everything you love makes you feel that you achieved more than just a goal you dreamed of. He keeps me alive and makes me happy and follows my dreams with me... Being happy doesn't mean I'm debtfree! I am not.. I also have all these ugly credit cards, student loans... Just like many other people in todays world...

Join me in my life journey while I share my personal finance stories, my love for fashion, school, kids, marriage, food, and all the other things and places I just enjoy...

Love,

Mademoiselle