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Archive for the ‘Finances’ Category

It was 2 days shy of 13 months ago when I wrote the post Date or soul mate?. It was detailing the type of characteristics you would hope to find in a future husband or wife. I really had to give myself a pat on the back for summing up the book so well and giving my spin on it. Anyways I figured it would be a good time to revisit my idea of a good man (again) since I am newly single and entering back into the wonderful world of dating.

The last few days have been rather hard actually. Having to think about starting over and pushing myself out into the social scene can be pretty intimidating at first. This time around I do plan on taking things hopefully much slower than I have in the past BUT I will move forward with those guidelines I seem to have forgotten to take with me on that first date.

After being with my ex I realize how much more important it is to stick to the LIST. Although we may find someone who is seemingly right, you may tend to have issues with someone if everything doesn’t 100% check out. This isn’t to say be so strict but to be close as possible wouldn’t hurt at all. So my list once again isn’t really meant to be taken lightly although you are welcome to laugh and call me crazy, I just needed to put it on paper what Mik feels is a good rule of thumb to picking the right dude.

1. Must make more money than me or equal – If you think this is golddiggerish then your probably right lol. Even though I feel my situation wasn’t purely based on money most of it was, and it was the heart of the breakdown of my relationship. Some people make not like to believe relationships aren’t about money but trust a LOT of them are. So I am keeping this one just so we don’t have to deal with the broke ones. P.S i don’t make that much so it shouldn’t be hard lol.

2. Family ties – I admit I get into with my momma on the regular but at the end of the day we can call each other and laugh about what ever we had argued about before. I love my mom and my little brother and I would love to be with someone who shares my same sentiments.

3. Believes and knows God – Please believe I am NOT a bible thumper nor do I want to date one. but it is important to be with a man who recognizes a higher power and is not afraid to call on him in a time of need, or simply give some praise when he is blessing us. If I can say babe, lets go to church and he says sure would do me a lot of good cuz i need some Jesus right nah.

4. Good with Money- Not a penny pincher but knows how to balance being in a relationship and managing their own bills too. I don’t actually believe in participating in the recession because I am always looking for new ways to bring in money. If you can’t realize that dating cost, then maybe you just shouldn’t date because even though I am on a budget I still need some fun in my life. I don’t want a man who is a tight wad but I do want a man who looks towards the future financially and plans for that.

5. Can balance seriousness and goofiness – I am a silly girl by nature and it would do me good to laugh 24-7 if I could and I appreciate a man who can be silly at any given moment but I also want someone who can have a serious conversation about life in general and things that make us who we are, its just good for the soul.

6. Keeping me in check – Please do not mistake this for an IKE and Tina sitcho or now days Chris and ReRe, But a man who is cool with telling me no but also realizes how happy it makes me when he tells me yes. I love a man who can make decisions without needing a second opinion (Good decisions mind you) It just makes you feel so secure.

7. Educated – I am putting this back on my list because Mik is going back to school and I’m gonna need some help with homework lol.

So here is my list, there are a few things missing but if you are smart you know the things that aren’t on the list that I don’t actually NEED to mention……

Did I miss anything……

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Dave Says

As many of you have already heard, Dave Ramsey will be doing a live show in Grand Rapids next week and guess who brought tickets!!

I have been a fan of Dave Ramsey since the beginning of 2008. I think it might be hard for a few folks that know me to believe I didn’t like dave at one point. I thought he was this bald old guy just tryin to get over on folks with these stupid unfunny talk shows he came up with. I remember one day riding in the car with my mom while she was listing to some tapes of his she had purchased. I remember the exact words I spoke that summery day in 07 “he isn’t even sayin anything important” I was 24 at the time and pretty much thought I knew it all, so DAVE had nothin to say to me.

Well shortly after my 25th birthday I had a serious emotional break down and was on the verge of contemplating ending my life. I remember going to therapy sessions, I remember not going to work and almost being fired, I remember my house being broken into and my car being crashed. I couldn’t remember a time in my life where I had felt so low and defeated. My spirit had been ripped to pieces and I couldn’t see a way out of the mess I had created.

Then there was Dave. My mom called me up a few short days after I had returned to work (from being off for months). I was literally dragging myself to work, depressed at beat down but I knew If I didn’t want my house to be foreclosed on I had to go. She called me up and told me that his financial class was being offered in all these different churches and advised me to see if there was one in my area.

At the time I felt I had no choice, I was ready to file bankruptcy and I figured was was the harm in going to see bout this money class. I few days later I had attended my first day, and that first day changed and saved my life.

A lot of people around me make fun and tease (some jokingly some not) about my passion for Dave Ramseys teachings. I have seen blogs comment sections span from 2005 and counting about how they don’t agree with much of what he says.

I have come to learn that its not my place to defend every argument about Dave. There are even a few things I don’t agree with, but I understand the general principle he attempts to teach. So if anyone ask me why im such a hard core ride or die for Dave is because his program and a many of prayers from my mother and her friends saved my life. I will forever be grateful for all that I have learned and I intend to share with those who want to listen to my story.

So Dave thank you for all you do and I will see you next week in Grand Rapids Mi.

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I finally got around to making the transition to my new finance blog Anitrasplace.net. The site is dedicated to everything you can think of about money. It was inspired partly by the comeback girl and my friend brad who has been running his financial blog for a while now.

Originally my blog (ie this one), was created to journal my everyday struggles in life. It was almost a year ago when my life took a turn for now what seems to be a beatiful journey to becoming a woman. I didn’t realized how in 7 months things had changed and my blog was starting to reflect the things that are important to me.

The new blog is less personal and more financial advise driven. Comeback girl says building wealth shouldn’t have to be so painful and she for sure can tell you how she thinks im in pain lol. So I want to share my financal accomplishments with the world as well as share the methods I am using to get there. All while keeping it light and fun. I still plan to “keep it real” I just want people to feel comfortable talking about the issue that we face everyday as a nation.

I still plan to keep this blog to talk about whatever else, but mostly its now my history book. I am extremly proud of the things I have accomplish this past year and I am looking forward to a great year in 2009 when I am completely debt free.

So check out the new site, its fun and you can learn a few things too!! Its just us girls (and a guy lol) talking about how to save money, build wealth and be better people.

Thank you for being a reader, I love all 5 of you!!!

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All Grown Up

So I am happy to announce I got the job!! You all are looking at the new Coordinator for financial peace university at Union Baptist Church, Can I get an AMEN!! PRAISE JESUS!

Thank everyone for the support, this is one of the coolest things to happen in the 7 months I have been working the debt free plan. The lady was so inspired and thrilled to have me working, and word is they even want to pay a sista!!! I am soooooo freakin happy that words can’t describe. The classes won’t actually begin until January of next year, but the next couple months will be spent doing marketing, promoting and getting people to sign up. Thank you Thank you Thank you!!

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Remember last week? ¬†(maybe you don’t) I was talking about working on a few new developments? Well a few things are starting to take place and I am super siked! Today I spoke with the assistant to the pastor of United Missionary Baptist Church and she wants me to coordinate a class for her church!! I was so nervous talking to her but I was able to get my point across and she was sold on the idea. I am just overwhelmed with excitement because things are starting to fall into place and it feels great. So I meet with her on Monday to pitch more of the idea. She says she is going to put me on a woman’s panel at a conference in September to promote the program even more. Talk about being put out there!! I guess I need to go find my professional hat lol. So pray for me as I embark on this new endeavor it could mean a lot of doors opening for me in the future as this is something I have always wanted to do.

Stay tuned!

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What kool-aid do I speak of you ask?? The Dave Ramsey “cult” kool-aid. Yes indeed, before I had only sipped it but the other day I drank the whole picture!

I have officially decided to sell my house. Its been a whole year (July) that I have been a home owner. Let me tell you home ownership is a wonderful, fun, and exciting thing BUT, this house of mine has to go. I haven’t lived in the home as you all know since January 08, I rented it out so I didn’t have to have it foreclosed on or sold. But almost 7 months later a lot has changed. I am on a financial track to wealth and honestly the home is a large weight on my back. Now don’t get me wrong being a first time landlord hasn’t been all that bad. My tentant keeps the house up very well, and she for the most part pays me every month. But I still stress every month when the mortgage comes due. On top of this, I have to foot bills for repairs, grass cutting, escrow accounts and the list goes on. All this for a house I don’t even live in??

Yep so I decided that keeping this house is not worth it anymore. There are other houses out there for me to buy cash money and not have a mortgage looming over my head. Now you may ask what I plan to do after the house is sold? I plan to be completely debt free with 6 months of savings (my emergency fund) and contributing 15% to retirement by June 09. After that I will become a full fleged investor in realestate. I really think I have a nack for this type of thing and I know I can be great at it. But I can’t do any of this without cash. The goal is to own 20 (or more) rental properties free and clear. Detroit happens to be a great place to be an investor and by this time next year I will be bathing in the real estate business.

“Don’t do it Mikki the economy is bad”

I know I know, Michigan has been tagged one of the worst places for selling real estate so trust I hear your kind (haterational words) but I still am going to move forward. I don’t need to make any money off the sell of the house, I owe $56,000 on it, and even if i had to practically give it away (which im not) I know I could get at least that much. I don’t care to hear any negativly about it, if the house doesn’t sell life doesn’t end I will just keep chunking away at the mortgage until its gone or sold either way I win.

So here is to putting the sign in my yard come Monday. I am extremly nervous but If I don’t do this I am holding myself back from becoming the go getter I truly am….

any other kool-aid drinkers out there???

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Its been a rough but good last few weeks. I have been paying off debt left and right and It really feels good, but I have been working my tail off doing so. Working 2 jobs is a mutha sucka at times. Right now I am feeling A little down and overwhelmed and let me tell ya why.

My relationships over the past few weeks haven’t been the greatest. I told someone to kick rocks because I didn’t like their glasses. I have a thing for clean cut men, but one must understand clean cut is not the equivalent of dorky looking. I know I can be shallow but attraction is a big thing for me and well I don’t really need to explain do I?? Anyways I think I hurt his feelings but even still, there was still other factors that overall caused me to make a decision on the more negative side. After I broke the news about being “just friends” he informed me that he is going to start being mean to women because being nice doesn’t get you anywhere. I had lots to say on that but thats a whole other post lol. Anywhoot I really superly think its time for a break……….period.

Other things going on have to do with work, debt and a few other endeavors I wish to embark on. I am going to be taking on a new goal that involves my full time job. I haven’t exactly been the best employee when it comes to getting to work. I am the one who is always late, and always leaving early. Last week I did my time sheet and it just looked like who did it why and what for, I had been running errands, leaving in the middle of the day, and getting to work pretty much when i felt like it. My boss didn’t say anything but I knew she was like what tha?? So starting this past Monday I have made a commitment to getting to work on time and not taking days off for the next 1.5 years (long time eh). I always take a day off here and there never really building any vacation time and im always in the negative. Well when the time comes for me to be outta debt I suspect I am going to want to celebrate by going some place. This task itself is overwhelming but I am going to really stick to it as best I can.

Also I am looking in to purchasing my first investment property (all cash of course) and coordinating a financial peace class here in Lansing. More details will come on these things as I get them in the next couple weeks. On top of all this I am taking classes to make sure my real estate license stays active which is time consuming to say the least.

So I guess all in all I plan to be proactive. I am not going to really worry about my long lost boo to be, it gets draining after while and I really need my energy to stay up!! Bout to be 26 and I gotta look 26 not 36 ya hurd meh!!

Anyways for the next few weeks/months I am going to go hard core on getting things done, no distractions no drama no calls no nothing, just work work work. I am starting to realize that sometimes you have to go it alone, I have become much stronger in the last year and I think I have grown in ways I didn’t know I would or could. The year has been a really good one and I look forward to whats ahead in my social life, business life and work LIFE.

As always I will keep writing as I continue to grow and love the woman I am becoming.

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