How do you deal with the ups/downs of enrollment?

[midaycare]

Middaycare,

I went to a class of Dave Ramsey's too! The Financial Peace class.

Once, in the past, very soon after getting separated from my husband, I started using my income to pay off my debt. I finally decided to get as far away from my ex as possible, so I sold the house and got half of the proceeds from that. I used the proceeds to pay off the rest of my debt and pay 1 year's rent up front for a home in Florida. I paid off all of my debt including my van all by myself as a single mother. So, I know what to do and how to do it. But after letting the world get the better of me for some time, I couldn't pull myself up by my own boot strings and needed help seeing that there IS a light at the end of the tunnel. So when my church offered Dave's class, I took it. I didn't really learn anything that I didn't already know, but sitting in class, listening to him teach a step by step process on getting yourself out of debt and financially secure, hearing his stories, hearing my classmates stories, and listening to myself tell my stories, it made me remember how I felt when I was married and had plenty of extra money to just go have fun with, had the sense of being financially safe; knowing that my bills were definitely going to be paid, honestly, never being scared of anything that you needed money for. It also made me remember how I felt after getting separated and I paid off all my debt BY MYSELF as a SINGLE MOTHER!! So, even though at first, I didn't think I needed the class, it made me remember how I felt before I let the world kick me around and got myself in a rut. It gave the 'You can do this again' feeling that I needed!

I don't even have Baby Step one done, and I only need to save $500 not $1,000! But since going to his class, along with some other things I have done lately to brush myself off, I do have a plan and can see that even though I am on a very slow train, there is light at the end of this tunnel I seem to be in.

My hubby and I bought The Total Money Makeover book, and followed the plan from there. Later on I ended up teaching the Financial Peace class in church. I think the book The Total Money Makeover gives you all you need. I love his plan because he is so encouraging and you just need to hear it sometimes.

[midaycare]

Middaycare,

I went to a class of Dave Ramsey's too! The Financial Peace class.

Once, in the past, very soon after getting separated from my husband, I started using my income to pay off my debt. I finally decided to get as far away from my ex as possible, so I sold the house and got half of the proceeds from that. I used the proceeds to pay off the rest of my debt and pay 1 year's rent up front for a home in Florida. I paid off all of my debt including my van all by myself as a single mother. So, I know what to do and how to do it. But after letting the world get the better of me for some time, I couldn't pull myself up by my own boot strings and needed help seeing that there IS a light at the end of the tunnel. So when my church offered Dave's class, I took it. I didn't really learn anything that I didn't already know, but sitting in class, listening to him teach a step by step process on getting yourself out of debt and financially secure, hearing his stories, hearing my classmates stories, and listening to myself tell my stories, it made me remember how I felt when I was married and had plenty of extra money to just go have fun with, had the sense of being financially safe; knowing that my bills were definitely going to be paid, honestly, never being scared of anything that you needed money for. It also made me remember how I felt after getting separated and I paid off all my debt BY MYSELF as a SINGLE MOTHER!! So, even though at first, I didn't think I needed the class, it made me remember how I felt before I let the world kick me around and got myself in a rut. It gave the 'You can do this again' feeling that I needed!

I don't even have Baby Step one done, and I only need to save $500 not $1,000! But since going to his class, along with some other things I have done lately to brush myself off, I do have a plan and can see that even though I am on a very slow train, there is light at the end of this tunnel I seem to be in.

And congrats on doing such a great job as a single mom!!!

[permanentvacation]

Middaycare,

Thank you!

But after a few years, I am back in debt and broke again. I trusted my ex on something that he completely backed out on on which really messed me up financially. He said he would pay my bills for a while if I moved back up here from Florida so he could see the girls more often. I moved up here with no job, but his promise to carry me financially for a few months until I got a job and got back on my feet. I moved here, handed him my bills, and he handed all of them right back and said he would not pay them! So here I was no job, just moved from out of state, and no money! In about a month, I got a job as a nanny. But a few months later had to have hand surgery to remove a large cyst on my finger and lost my job. It took a couple of months for my hand to heal. So after I moved here, I went a total of about 6 months of being unemployed as a single mother before I got another job! My ex paid to keep the necessary bills paid, (which was nice of him) but he wouldn't pay my credit card bills and stuff like that. Now I have things in collections and my truck was repossessed.

But from going to Dave Ramsey's class, going to a class called Changes that Heal (it's a self-help book in any average bookstore that my church did a class on. It REALLY helped me through a lot of things that I was still carrying with me from my abusive marriage and having to continually see and be nice to my abusive ex), talking to a counselor, reading some self-help books, taking time to reflect, and think things through, talking to my sister, and you guys on here, I have new found hope that I will again, one day, be debt free and back on top!

[midaycare]

Middaycare,

Thank you!

But after a few years, I am back in debt and broke again. I trusted my ex on something that he completely backed out on on which really messed me up financially. He said he would pay my bills for a while if I moved back up here from Florida so he could see the girls more often. I moved up here with no job, but his promise to carry me financially for a few months until I got a job and got back on my feet. I moved here, handed him my bills, and he handed all of them right back and said he would not pay them! So here I was no job, just moved from out of state, and no money! In about a month, I got a job as a nanny. But a few months later had to have hand surgery to remove a large cyst on my finger and lost my job. It took a couple of months for my hand to heal. So after I moved here, I went a total of about 6 months of being unemployed as a single mother before I got another job! My ex paid to keep the necessary bills paid, (which was nice of him) but he wouldn't pay my credit card bills and stuff like that. Now I have things in collections and my truck was repossessed.

But from going to Dave Ramsey's class, going to a class called Changes that Heal (it's a self-help book in any average bookstore that my church did a class on. It REALLY helped me through a lot of things that I was still carrying with me from my abusive marriage and having to continually see and be nice to my abusive ex), talking to a counselor, reading some self-help books, taking time to reflect, and think things through, talking to my sister, and you guys on here, I have new found hope that I will again, one day, be debt free and back on top!

Of course you will! You already have the mindset, which is 90% of the battle.

[DaisyMamma]

Mine was for dd's college... graduated in May happyface
we homeschool so I still am paying for my son.. we use Seton.

Wow! A graduate! Yahooooooo happyface

I would consider homeschooling, but I don't believe it would work out. First of all I'm scared to fail as its a huge commitment. Second I don't think my children would cooperate with me. It would end of being very stressful. After a couple of years in Montessori I think they will be responsible enough to homeschool. I might try it then.

[midaycare]

Wow! A graduate! Yahooooooo happyface

I would consider homeschooling, but I don't believe it would work out. First of all I'm scared to fail as its a huge commitment. Second I don't think my children would cooperate with me. It would end of being very stressful. After a couple of years in Montessori I think they will be responsible enough to homeschool. I might try it then.

Agrees, my son would not cooperate with me. I actually have a degree in ele. Ed., but there's now way I could teach him. He would just want to play.

[DaisyMamma]

I just got a call for a 2yo full time.
I've already interviewed with them so it was follow up happyface
I never count my ducks before theyre in a row and don't count any kid until I have paperwork and a deposit ....but this could be good
This kid's tuition will be the start of my savings account happyface and I will put the entire check away until fall since I don't need a kid until then.
Cross your fingers for me.