/Jill's Journal: A new year; another step closer to scratching our wanderlust itch. We think this will be a quiet year for us as we prepare for the RV launch in 2010. We have just two major family goals:
1). Keep the status quo with our little family. In other words, keep everybody healthy and happy as we enjoy every day together.
2). Conquer that tax debt! Barring any unforeseen setbacks, our very aggressive goal is to be debt-free by the end of October. It requires commitment and sacrifice, but we’ve already made some major headway over the past six or seven months. We are dedicated and determined.
By the way, I’ve always loved the word “wanderlust.” I remember discovering it as a kid and thinking it was a positively delicious word! It also sums up an affliction I’ve had since I was very young. I’ve always loved to travel, always craved travel. I remember being 13 and literally begging my parents to let me use my life savings for a trip to England (especially as my fave band, Wham!, had just broken up and planned a farewell concert in London, but that’s beside the point). Naturally, my parents said no (I can’t imagine why!), especially as I planned to go by myself, and I thought I would just die from their stamp of refusal!! Somehow I managed to survive the crushing blow (!) and got a job as a travel agent before high school graduation. I put myself through college on my meager travel agent pittance and was fortunate to do more traveling in seven years than many people get to do in a lifetime.
I finally did get that trip to London and over a dozen more to Europe during those years (and certainly have visited a good portion of the U.S. and a few other countries), but like anyone stricken with wanderlust, I ache for more! I’m fortunate to have a husband who, although he probably doesn’t quite crave travel the way I do, definitely enjoys adventure and seeing the world.
Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts
Saturday, January 3, 2009
Sunday, December 7, 2008
Patience is a Virtue
Jill's Journal: Patience is not one of my stronger suits. Oh sure, I have an abundance of patience with my girls and my husband, but not so much in just about every other area of my life. I’m very much an “immediate satisfaction” kind of girl. And that is why waiting until 2010 to fulfill this dream is a great challenge for me! I want to do it now. Right now.
So why is 2010 the magic year? Well, we’re not jumping into this lightly. Luckily, even if I didn’t get the patience gene, I did get the logical and responsible gene. The primary reasons we’re waiting another year and a half to “fulltime” it in an RV include:
*A major life change like this with small children attached takes some planning! And plans have begun in earnest. We want to be fully prepared in every way possible. Much research goes into everything from finding the most compatible RV home for our family to little things like dealing with the girls’ well-child doctor appointments from the road.
*A four-letter word called debt. This, to me, is one of the ugliest words in the English language. I despise debt. We’ve been working hard for quite some time to eliminate ours. Earlier this year, we could actually see daylight. We were so close to being debt-free (including student loans!) that we could taste it. And then an evil three-letter word intervened: the IRS. A mistake we made on our taxes some years ago came back to haunt us and we were quickly blindsided with enough penalties and interest to make our knees buckle. The amount rivaled that of a new car. A rather nice new car. So, we had little choice but to push all our financial goals – like buying a new house or now, an RV – back two years so we can focus on our tax debt. We call it the two-year plan! If all goes like we hope it does, by 2010, we’ll have zero debt with the grand exception of our mortgage. That’s what I call an exciting prospect!
*Schooling. Our girls are young and right now only our oldest is in preschool, but we still don’t want to uproot them in the middle of the school year. In the fall of 2010, Erika will be ready for 1st grade, Madelyn will be starting second-year preschool, and Victoria will still be a year away from preschool. Although home schooling has never been something I’ve wanted to do, we can all handle it for a year. We think it’s better to do it for one continuous school year than interrupt a school year already in progress, so summer is our launching goal. I’m already checking into requirements and paperwork and how home schooling works in the state of Kentucky, which will remain our home base.
*Kristi and Adam. My sister and her new husband committed to Kentucky through May, 2010. Kristi arrived here from California nearly a year ago, got married this summer, and will finish nursing school at University of Kentucky in May, 2010. It is such a wonderful treat to have them here and we enjoy their company immensely. Who knows if we’ll ever get to live this close again? We don’t want to leave during their too-short tenure in our town!
So why is 2010 the magic year? Well, we’re not jumping into this lightly. Luckily, even if I didn’t get the patience gene, I did get the logical and responsible gene. The primary reasons we’re waiting another year and a half to “fulltime” it in an RV include:
*A major life change like this with small children attached takes some planning! And plans have begun in earnest. We want to be fully prepared in every way possible. Much research goes into everything from finding the most compatible RV home for our family to little things like dealing with the girls’ well-child doctor appointments from the road.
*A four-letter word called debt. This, to me, is one of the ugliest words in the English language. I despise debt. We’ve been working hard for quite some time to eliminate ours. Earlier this year, we could actually see daylight. We were so close to being debt-free (including student loans!) that we could taste it. And then an evil three-letter word intervened: the IRS. A mistake we made on our taxes some years ago came back to haunt us and we were quickly blindsided with enough penalties and interest to make our knees buckle. The amount rivaled that of a new car. A rather nice new car. So, we had little choice but to push all our financial goals – like buying a new house or now, an RV – back two years so we can focus on our tax debt. We call it the two-year plan! If all goes like we hope it does, by 2010, we’ll have zero debt with the grand exception of our mortgage. That’s what I call an exciting prospect!
*Schooling. Our girls are young and right now only our oldest is in preschool, but we still don’t want to uproot them in the middle of the school year. In the fall of 2010, Erika will be ready for 1st grade, Madelyn will be starting second-year preschool, and Victoria will still be a year away from preschool. Although home schooling has never been something I’ve wanted to do, we can all handle it for a year. We think it’s better to do it for one continuous school year than interrupt a school year already in progress, so summer is our launching goal. I’m already checking into requirements and paperwork and how home schooling works in the state of Kentucky, which will remain our home base.
*Kristi and Adam. My sister and her new husband committed to Kentucky through May, 2010. Kristi arrived here from California nearly a year ago, got married this summer, and will finish nursing school at University of Kentucky in May, 2010. It is such a wonderful treat to have them here and we enjoy their company immensely. Who knows if we’ll ever get to live this close again? We don’t want to leave during their too-short tenure in our town!
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