Friday, December 29, 2006
I am going to list my FAV handbag on eBay tomorrow! So you will have to check it out. I am done being depressed....stressed.....maybe even dressed. Or any other essed thing!!
Ok, I am not done being dressed. It darn cold out there!! I need my clothes. So I will just BE HAPPY!!
I LOVE YOU GUYS!! Thanks for being there for me. You have no idea what it means to me! You are like my family that I feel like I am losing.
THANKS SO MUCH!!
SMOOCHES!!!!!
UPDATE: There was an emergency yesterday, so I couldn't list the bag. I will be doing it today. Stay tuned!
Tuesday, December 26, 2006
I have a total of $10 in my account.
I sit here, thinking. That alone can't be good.
I am happy that I am out of debt. But overwhelmed with so much.
I sit and wonder what I am doing? I am watching my family die. I am taking care of them as much as I can without dying myself. I worry. What will I do without the people who raised me? Everything that is good about me came from them. I love them more than the air I breathe. I worry. I can't sleep. I wake up at 2 am every morning. I am tired. I am broke.
I am debt free.
I have large medical bills I still have to deal with. I am too tired to deal with them.
I lost a receipt for a $150 rebate. I can't find it. It would help. It would help a lot.
This was an exhausting weekend. Did I say I worry? I worry about my mom. I worry about me. I want to sleep. And yet I wake up.
I just lay here.
What will I do without my family? Who can I rely on? Who will care about me like they do?
I just lay here.
I worry.
I am debt free.
I am broke.
I am broken.
I need sleep.
I will lay here.
Please let me sleep until morning.
Shopping would help right now. If only to forget about things. I would love a Coach bag. I would LOVE to walk in and buy without thinking. It would definitely make things worse. I don't have money. I don't have debt. I don't have credit cards. It is wonderful not to have credit. I know, right now, if I had a credit card, I would go buy a handbag that I can't afford. I am borrowing my coworkers Burberry bag. I have to give it back to her. It is hard to do without, but I am living within my means. My grandfather taught me that.
Why didn't I listen sooner?
He can't even be proud of what I have done this year. He doesn't understand. He has had two strokes. He looks at me and says he loves me. I put my ear to his chest and listen to his heart beat. I will have that beat in my head for the rest of my life.
I heard you grandpa. I listened and learned. Please don't leave me. I need you.
I am debt free. I listened. I learned.
Sunday, December 24, 2006
Saturday, December 23, 2006
Friday, December 22, 2006
It's Friday.
I haven't finished Christmas shopping.
I think I will get everyone socks this year.
From my dresser.
Ok, fine. They get new.
That's about it. I got nothin'.
Nothing to report.
Wow. My life is really boring right now.
That's a good thing.
How is yours?
Tuesday, December 19, 2006
Credit
I have gotten four of my credit card statements and they all say
CREDIT BALANCE.........DO NOT PAY!!!!
It's a miracle!
I have been in debt as long as I can remember. I am amazed at myself that I stayed so focused and everyday throw those preapprovals in the fireplace. At first it was hard to do that, but now ..............not a problem.
When I first started I said "SCREW THESE CREDIT CARD PEOPLE!" And my hubby and I had this ritual where we would tear them in half and he would burn one side and I would burn the other (In the fireplace of course). Now I just throw them in the fireplace and don't even look at them.
It's all about learning and getting stronger. And finding things like that, that helps you to stay on task.
CREDIT CAN BE VERY DANGEROUS if you don't have the discipline and knowledge. It is very easy to get drawn into the material side of things. But if you don't have credit, you make due.............YOU ABSOLUTELY DON'T NEED CREDIT TO LIVE.
I haven't had a credit card in FOREVER and I haven't needed it at all.
Remember, you owe them money........YOU DON'T OWE THEM YOUR LIFE!!
SO IF YOU ARE THE CREDIT CARD COMPANY...........SAVE YOUR MONEY AND DON'T SEND ME THOSE PREAPPROVALS!!!
Saturday, December 16, 2006
TELEMARKETERS
CHECK IT OUT HERE!!
Friday, December 15, 2006
I LOVE YOU GUYS!!
DID YOU KNOW THAT??
I just wanted to make sure you know how important you are.
Thursday, December 14, 2006
Reasons Why it's 2 AM and I am Not Asleep
My son.
$65,000 in medical bills from when I was in the hospital, I have to sort out. (I just have to send it to my insurance, but I am so busy I don't have the time) I think my total out of pocket should only be $2,000. I hope.
I got the flu.
Feeling like I need to really focus on how I spend my money.
This new mattress is killing my back!
My friend's money problems.
My money problems.
Your money problems.
You know.............It's a wonder I sleep at all!
Saturday, December 09, 2006
Getting Out of Debt Doesn't Fix Everything

OK, I need to get this out while I still can.
I know that I will probably be judged and told what an idiot I am, but that is me, I guess, and if I am.........so be it.
I have been completely honest on this blog so far....why stop now.
I don't know if this will help anyone and I pray it doesn't hurt anyone, but here it goes......
Yesterday was when it started.
A few days ago they exchanged my mattress because it was drooping and it was covered under a warranty. So they do an even exchange and everything was great.
Then yesterday I asked them if they can do the same with the frame because it was broken underneath and actually came that way. I have had both of them for a couple years.
He said, because of the issues I was having, that he was going to do it.
So I see this incredible frame. This is almost exactly what it looks like.

So I tell him, I would like to exchange it for this one.
He drastically discounted it for me. But I still had to pay $500. I don't know what I was thinking.
So I said "OK" and he orders it. Mind you, this is just yesterday.
So the delivery guys show up the same day to deliver it. He says
"Can I see the room it is going into?"
I bring him in and he says
"What is that other frame for?"
"It is the one I'm returning."
"They don't show this as an exchange."
He calls the guy and the guy said "Yeah, I couldn't do it as an exchange so I just reduced the other one by a ton."
So they said I can keep the old one. (Which looks brand new)
My son, who is 6 feet tall and sleeping on a twin mattress is ecstatic! He now has a beautiful bed frame for a QUEEN SIZE MATTRESS. (which he doesn't have!)
So, today I go and buy him one.
Ok, so I have spent $500 for the frame..........that I didn't need. (even with a great deal!)
I spent $150 on his mattress (my mom gave him $250 for Christmas and he wanted a bed set for it, but the least priced one was $400!)
Then it got better............I am such an IDIOT!!! Yes, I know how stupid I am.
I had it on my calendar that there was a trunk show for one of my favorite handbag designers, Sally Spicer.
She is a local San Francisco designer, but is known nationally.
Anyway, so I go to my grandparents this morning and watch them. My grandmother was so bad today. She kept changing her clothes into different things, like her housecoat. Then she hid her glasses and I had to search forever. (I finally find them under the bed) I give her a shower and while my heart is breaking that she is more dependent now than a child, I dry her off, get her dressed, brush her hair and have her sit down. This is a woman that worked during the great depression, was an incredible force behind all my successes I have ever had in my life. My grandparents were the ones in my life, that I wanted to be proud of me more than anyone. It is so hard to see them this way.
So, after spending the day there, I got a short break to run to the trunk show. I show up there and look at some of the items. Just to get back to normal. I knew I was watching my grandparents and would want to do something and be around people who make me feel normal again. It was crazy. People were grabbing the bags. And they aren't cheap. Cheaper than most, but definitely not TARGET! So I have this one bag in my hand and I am talking to this woman, telling her how I love the bags and the designs and I ask her which fabric she likes out of these two fabrics. She says
"That is so hard for me to say."
Then she says something that almost made me PASS OUT!
"It's hard since I am the one that chose all these fabrics."
I HAD BEEN TALKING TO SALLY SPICER FOR A HALF AN HOUR AND HAD NO IDEA!!
That part of my day REALLY AMAZED ME! Considering the rest of it was so downhill.
I told her how much I loved her bags and the designs and fabrics were wonderful! It was such a great talk we had!
So, anyway...............I have this bag in my hand and these two girls, who had just bought 6 BAGS, I REPEAT 6 BAGS AT $85 A POP!! Is staring at me.
So I go inside and look at the mirror with the bag.
They follow me in, keeping a bit of a distance. But not so far that I can't hear what they are saying.
One girl on the cell phone "Yeah, we got six and I am eyeing this one girl (ME) with another one."
I see them talk to the saleslady, who then comes up to me and says
"If you don't want that bag, they are going to buy it."
OK, did I tell you I didn't even like it?
I looked at it because Sally (not on first name basis but sounds good anyway) tells me she has the same bag. (Um, yeah.........SHE OWNS THE FREAKIN' COMPANY, MORON, SHE OWNS THEM ALL!)
So, that, along with the fact that these two girls are drooling all over the counter waiting to find out if I buy it or not...........yep!! The idiot, that is me, rings it up!!
$85 for something I know I will NEVER EVER use. DID I SAY NEVER EVER!! I MEAN NEVER NEVER EVER USE!!!!
I get it in the car and drive off. As I am going down the street I am starting to freak out!
WHAT THE HELL IS WRONG WITH YOU?
WHY DID YOU DO THAT??
So what do I do??
Yep, I turn around and go back to the store.
Have you ever returned anything 15 minutes after you bought it?
I go in and they say
"Are you still here?"
"Yes, actually, I want to return this. I know that girl wants it more than me, so I am returning it so she can have it."
"Great! I have her phone number, I will call her now and let her know."
So that one was taken care of.
So here is how I feel after telling you all of this.
I wanted to give you the whole story so you can hopefully understand why I am telling you what I am going to tell you now.
I have spent the last one year, one month, and a few days working so hard to change the exact behavior that I just did over the last two days. I FINALLY get out of debt and what do I do??
I have the debt payment amount in my account, that FOR ONCE, I don't have to use to pay the debt, and what do I do??
I BLOW IT ON CRAP!!
I know the items are nice and all, but the only thing that I should have spent on, out of all of that, is the money for my son's mattress. Nothing else.
I just WASTED hundreds of dollars, that I can't return!
Right now, I feel like such a failure.
I know I am not in debt, and that I won't do this again (I pray), but that doesn't change the fact that I feel like the world's biggest loser and that I will have nightmares that I am going back to the way I used to be.
I feel like I don't deserve to be debt free. When all of my friends and people I love are owing so much. That I feel guilty if I have any kind of money. If I have money, I should be helping others that need help. So I spend it. On myself, on my friends, on strangers.
I know that isn't what I should feel, but I honestly don't know why. Why shouldn't I feel this way?
Why should I have money when others don't?
I am so afraid that I will go back to my old ways, so that I won't feel guilty about having money. Even a small amount.
So now I have no money in my account and no way to return any of this stuff.
It will be fine. My husband will get paid on Monday and we will make ends meet, but that isn't the point at all.
If I can't get over the fact that I don't feel I deserve to be financially secure, then how am I going to do this??
I'm sure you don't understand. I don't know if anyone else feels this way, but this is me........take it or leave it.
Maybe I am a trainwreck. I feel like it right now.
UPDATE: My son came in here and was so happy about his room. He thanked me and told me how much he loves me. It made it all worth it. He is going to sleep so good tonight and we spent the whole day together. His room is spotless and he cleaned it all on his own. I am so proud of him. He is straight from Heaven~
Thank you so much you guys. I wouldn't make it without your encouraging words. I started a scrapbook about my blog. I will share it with you later.
Love to ALL!!
Friday, December 08, 2006
Wednesday, December 06, 2006
I could have died!!
Hi Leigh Ann!First of all, bravo to you for paying for the bracelet with cash! It sounds like you've conquered the swiping addiction! And next, I hate to put a damper on the celebration, but wasn't the point of the journey you just took that you don't need THINGS to get you through? You're stronger than that. You just conquered this big beast called debt all on your own, even without the Tiffany's heart bracelet that got you through so many things before. If you're looking for something to symbolize it, how about a shiny penny that you carry in your pocket, or a button from a coat your grandparents wore? I know that my answer is not going to be popular. I just thought that I should share my thoughts as someone who has been cheering you on the whole way. xoxoxo
And believe me, it was hard to buy the bracelet. I have gone a year without buying hardly anything. And I probably won't buy myself anything again. I just wanted to get one item that I know I will love and will be a constant reminder to me that I am worth something and that I can accomplish something I NEVER thought I could do..........to get debt free. AND STAY THAT WAY!
You don't have to be anonymous. I totally agree with what you say. Even if I didn't, you still can let me know who you are. :-)
Ok, so on to what I had decided on the engraving.
I totally fell in love with Jagular's idea..............until............
I was driving home last night, talking to my husband, and I was totally excited about Jagular's idea. I tell him what I was going to have engraved on the bracelet and he said
"What if you pass out on the street and a stranger runs up and reads your bracelet and sees Save Leigh Ann with Save crossed out. They will think you don't want to be saved."

The picture above would say "Check victim for a pulse..........unless it's Leigh Ann."
I can just see me sprawled out on the sidewalk and they say "Ooh! Her bracelet says don't save her."
They would all just stand around staring at me. Probably drinking Starbucks and saying. "Too bad she doesn't want to be saved." "Want to catch a movie?"
GREAT!! THANKS JAGULAR.............YOU ALMOST KILLED ME!!
hee hee!!
Sunday, December 03, 2006
What to DO!!

So when I started this blog, one of the first things I sold on eBay was my favorite bracelet. It was a Tiffany heart bracelet.
I finally got paid and inside my paycheck was an extra commission I didn't expect. A friend of mine and I went to San Francisco yesterday and had a wonderful time.
I wanted to get something that I can wear that will always remind me of what I went through the last year to get that debt paid off. Before I started this blog, I wore that heart bracelet and never took it off. I wanted something like that. I decided to get the coin one (as seen above) since it reminds me of coins (Money). And yes, I paid cash!
I am going to have it engraved.......but I don't know what to say. Here are the two I have so far:
From "The Friend, Pam" "Debt All Gone"
From my friend Neslim "Debt Never Again"
Those just don't say "I worked my ass off and got debt free in 1 year. Instead of 15!"
So, of course, you are the ones I am turning to. What do you think I should have engraved on it.
And I promise, it will be the only thing I splurge on.
That stupid heart bracelet got me through a lot. I know this one will too! I think of you guys whenever I look at it.
I AM DEBT FREE!!
And the 15th will be the first time where I WON'T OWE $654!!!!!!!!!!!!!!!!!!!!
Friday, December 01, 2006
I AIM'S TO PLEASE!!!!!!!
B - Best Friend? Pam (also known as ugly shoe Pam)
C- Cake or Pie? Definitely cake!
D - Drink Of Choice? Grande Nonfat One Pump Chocolate With Whip Mocha
E - Essential Item You Use Everyday? MAC "O" Lipstick
F - Favorite Color? Pink
G - Gummy Bears Or Worms? Chocolate Covered Gummi Bears
H - Hometown? Santa Cruz. Actually it's Aptos, but no one has heard of it.
I - Indulgence? Dark Chocolate M&M's
J - January Or February? January when I am meeting all my goals at work.......when I still have a chance!!
K - Kids & Their Names? My son, Calvin.
L - Life Is Incomplete Without? Oxygen
M - Marriage Date? What is this.......an Identity Theft question?
N- Number Of Siblings? One sister......but I see Pam as my sister too!
O - Oranges Or Apples? I don't like either.
P - Phobias/Fears? Now this is the question of the week! It would be easier to ask what I'm not afraid of.
I'm afraid of:
Travel
Flying
Being away from home
Alcohol
Restaurants
Big crowds
Being alone at night
Being in debt
Spending more than a hundred dollars
Smoke
Drugs
Dying
Getting sick
Losing control
Well......that's just the start of it.....should I go on? :-)
Q - Favorite Quote? "When you are stressed, go outside and find some clouds" -The Friend, Pam
And
"You owe them money, you don't owe them your life" -Gerald Mundis
R - Reason to Smile? Having teeth and being debt free!!
S - Season? Fall
T - Tag Three or Four People?
Karyn
Karina
Katie Q
U - Unknown Fact About Me? I play the harp.....but I don't have one right now.
V - Vegetable you don’t like? I pretty much like them all!
W - Worst Habit? Being Long Winded
X - X-rays You’ve Had? Teeth, Brain (yes they found it)
Y - Your Favorite Food? Cereal
Zodiac Sign? Libra
Have I bored you into a coma yet!!!!!!!!!!!!!!!


