So Close, I Can Taste It!

I am super excited!  We've already accomplish Baby Step #1 by creating a $1000 emergency fund.  Baby Step #2 (other than student loans) will be complete this summer!  I can actually see ourselves getting established.  Travis has decided, after working a factory job that was detrimental to his health, he is going back to college.  He has a strong interest in figuring out how things work, why they work, and he's super good at working with electrical stuff.  Travis is pursuing a B.S. in Electrical Engineering Technology.  I couldn't be more proud of him.

What have I been up to?  Well, I got a nice job doing a variety of things!  Right now, I am finishing up my internship at the zoo in Public Relations/Marketing/Event Planning.  I'm busy making training videos, putting together activity packets, planning the Earth Day event, and I get to help out the PR/Director of Communications with any projects she needs done.  Not long ago, I had to take pictures of a leopard getting a dental.  I even got my picture with the furry guy!  (Sorry, I can't post pics on here.  It's against policy.)  The internship ends April 27th.  I told my bosses I am not leaving.  One will have to take my arms and the other will have to take my legs and drag me out crying.  I love it there.  I'll never forget it.

I graduate on May 5, 2012 at 3 PM!  I already ordered my cap and gown.  I plan on making my own graduation invitations using the pictures my friend Kylee took.  I will post pictures of them when I am done!

I landed a great job with an auction company.  I enjoy the people I work with.  I have my own desk all set up.  I just need to add some personal touches - like family photos and quotes.  I have a good system down already, so now I'm not struggling to get things done on time.  They work around my internship, which is fantastic.  I only work 2 or 3 days a week (sometimes I have to pick up a Saturday to stay on top of things, but that's only happened twice).  I love dressing up for work, so I thoroughly enjoy that.  The two guys who are my bosses are super cool.  They have a part-time administrative assistant, and she's such a bubbly, friendly lady.  I look forward to the days that she is there.  They also have a lot of staff that comes and goes.  The head maintenance guy comes around and jokes with everyone.  He's a hoot.  His wife works with my bosses on properties and payroll/finances.  She's a sweet lady too.  Every once in a while, I see a cute elderly man named Larry.  His desk is in the cubicle across from mine.  BTW: the cubicles are not the typical cubicle.  These are freaking fancy and large.  Anyways, Larry has become my buddy.  Right now, I just put together ads, brochures, post cards, and manage the ad budgets.  I don't have time to do much else since I'm not there full-time.  In April, we are going to sit down and re-negotiate my salary.  They casually mentioned something about getting me a Mac computer for my desk!!  AHH!  I'm so excited!  They are hooking me up nicely.  Anyways, they have full intentions on keeping me full-time, so that is why we will negotiate a salary.  Once I am full-time, I will manage all social networking sites for the company, create videos for the company and properties we will be auctioning, and I will be putting together more promotional things for the company that can be used on an iPad.  That way, when they go to speak with prospective clientele, they can show them a nice looking "powerpoint" (but more professional and fancy) of all the different types of auctions we do.  Can I just say... I love my job.  And to think when I applied, I didn't think I would get it.  Out of 155 applicants, I was the lucky one.

I'm so happy that things are falling into place.  Everyone asks me if Travis is working.  But you know, I don't mind him not working.  He's still getting a lot of things done and taken care of.  Plus, he's looking for an easy part-time job so that he can finish school.  When I was in school, I worked part-time.  I tried focusing solely on schoolwork.  I want him to do the same.  This man busted his ass off for 3 years.  He worked like a dog just so that we could keep a roof over our heads.  He's taken such good care of me... it's time I do the same for him.  It is his turn to focus on getting an education and pursuing a career.  It is my turn to buck up, take on more responsibilities, and keep our heads afloat.  After all, if it wasn't for Travis's hard work, I would have never finished this degree and landed this job.  Besides, he is going to be making the big bucks when he's done! :)  Behind every great man is a great woman - and I tend to keep that reputation strong.  He's such a great husband - I need to be his great wife.  I cannot explain how proud I am of him and what we've accomplished as a team.  We're a force to be reckoned with.

Once we pay off these credit cards and polish off that medical debt (yeah, there was a debt for $500 that somehow got lost.  We're not done yet.  ::headdesk::), we are buying my husband a car.  This summer, we are hoping to get a starter home.  It won't be our forever home, but it will turn a great profit when we re-sell it in 5 years time.  We are thinking after getting a car, we should be set with a down deposit plus fees by fall.  Who knows, maybe next year we'll buy a house and have a little bit more saved up.  But it's still fun to look at our options.

I'm not going to lie.  We did break our habit of saving.  This Sunday, Travis and I went on a shopping spree.  I found heels that I could wear to work on clearance!  I got a black pair and a tan pair.  Then I found really cute tops and tanks to wear underneath my suits for work for real cheap!  Then I found two blazers that fit perfectly!  I had looked at Travis and said, "watch, this is going to be too big."  I put it on and it fit!  I about shat myself!  So I got 2 - one is white with a gold button; the other is a black boyfriend blazer.  I also found some nice jewelry on sale that would go with any outfit.  So now I have 4 necklaces and a pair of earring to wear to work!  Since I splurged on work stuff, I told Travis that he should have some fun.  So he bought a new XBox controller (his was broken) and he pre-ordered the new Resident Evil game.  While splurging like that is a terrible idea, we don't do it often.  We rarely, if ever, buy anything for ourselves.  So my first paycheck went towards treating ourselves.  But that's it.  No more frivolous spending until we get another car.

In my very rare amounts of down time, I've been socializing with friends and talking with family members.  I've also been putting together the Woenker Recipe Book.  When I am done, I will post free printables on here just for fun.  Just don't hold your breath.  It'll be a while!

Enjoying a Bit of House Hunting

Ok, so we aren't officially looking to buy a home.  Well... maybe.  That is, if all goes well and according to plan.  Currently, we live in a really nice neighborhood with my husband's dad and grandfather.  I wouldn't mind staying in this neighborhood.  After all, it is a sought after area of town.  Houses don't really go up for sale often, which means people move in and stay.  When a house does go up for sale, let's just say, they don't last long on the market.

Today, Travis went off to work.  I was bored, so I took a drive around in this part of town.  I saw quite a few "For Sale" signs.  I grabbed a piece of paper, a pen, and I started jotting down the addresses and who was the realtor.  I came home and jumped onto my laptop.  I looked up each house.  Only 1 out of the 5 houses was not in our original budget.

A while back, Travis and I thought that we were going to buy a house in Bloomington.  Good thing we didn't.  We were racking up some serious medical debt, and our credit was far under par.  However, a good friend of mine is a broker in Bloomington.  She found out that we qualified for $70,000.  Yeah, that's not much - but we are first-time home buyers AND our credit was out of wack at the time.  Since then, we've used $70,000 as our budget for when we do decide to buy a home - regardless if we qualify for more.  It's good to have a number in mind, even if it isn't the actual number now.  Besides, we don't have to take out a loan for more than what we really should.  We're being frugal here.

So, $70,000 was my budget.  Only 1 was over that (and that was $99,900 - and trust me, the outside of the house didn't look like it was worth $99,900).  The other 4 houses were jaw droppers.  I was surprised how much they were after looking at them in person.  Granted, I'm sure they are going to be fix uppers.  But with a family of construction workers and DIY'ers, I'm not too worried about some fixing up.  I'd rather fix it up just the way I want it anyways.  All four houses were LESS that $70,000.  And here's why:

Most houses in this neighborhood were built in the 50's and 60's.  The families that built these homes stayed in them until they passed or moved into an elderly home.  Families don't leave this area.  But when a person passes away or moves into an elderly home - the children are desperate to get rid of the house.  Yes, the homes have some wear and tear on them - but they are very nice family homes.  They are great starter homes.  And after having friends move into this area previously, we can see that most homes are not money pits.  This area of town has a great reputation.  The prices on these homes drop quickly because the family members cannot afford to keep a second home that their parents' owned.

Here I am getting all excited.  Travis asked me the other day how I felt about buying a home instead of renting.  That's a huge step to take - and honestly, I'm scared because I don't know a thing about home buying.  But believe me, I would love to have a home to call our own - to have a place where we can settle ourselves down and live for years.  In this upcoming year, we made a promise to get established before the year ends.  We made a promise that living with family members is temporary.  In 2012, Travis and I will be getting careers.  Travis already has a pretty decent job.  I'm getting interviews.  Maybe buying a home is a step in the right direction.  I'm not talking about buying a home tomorrow or next week or next month.  But after I get a career and we establish ourselves with a decent income, maybe it wouldn't hurt to keep our eyes open for a home.  Maybe it wouldn't hurt to go to a broker and look around.  We can take our time.  We don't need to jump the gun.  But maybe now is the time to take that first step towards home buying.

Saying No

The hardest part of our journey to getting out of debt and back on our feet is saying "no" to family and friends.  We want to spend time with everyone, but it's hard to say, "no, we can't go out and eat at that nice restaurant tonight" or saying, "no, we can't come visit this month."  It's so difficult.  It breaks my heart to tell those I love that we cannot go out and do fun things.  It hurts even worse to tell them I cannot see them.

When you are trying to get out of debt, and your biggest feat is a lack of income, you have to prioritize your time and money.  Soon, we'll be paying back my student loan debt.  We've just established Baby Step #1 in building a $1000 emergency fund.  Yes, we will have income coming in soon.  But we still have bills to pay and a savings to build up for a home.  We have to put money into maintenance on our car.  We have been very lucky that my parents have paid for the car insurance.  We would like that to end.  We also need to save up money so that we can have health insurance.  Gas is super expensive - so traveling is just not in the hand we've been dealt right now.

I know family and friends are not in our shoes, so they don't see it like we do.  I know they don't mean any harm.  But there comes a point in time where they get tired of hearing "sorry, no."  We've tried to balance everything the best we can.  It's just hard to please everyone.  I wish that people would give us a little more time.  It isn't like we don't appreciate our family and friends.  We want to spend as much time as possible with each and every one of them.  But we just cannot afford it.  Everyone else is established in their lives.  We've cut back drastically.  This year is dedicated to getting on our feet.  I know many people don't understand it completely.  I try to stay in touch through e-mails, Facebook, and phone calls. I try to explain that it isn't because I don't like them or that I'm not upset with them.  But here is the time where that brick wall hits.  They think we don't want them in our lives because we cannot afford to travel.  They think we don't want to spend time with them because we never go out with them.  And it's always the same reason:  we cannot afford it right now.  When that time comes, it's hard on everyone.  Others see this as an excuse.  We say will come see them as soon as we can afford it - but it comes across like broken, empty promises - even though it is genuine.  After all, how many times does it take before you get tired of hearing the same excuse?

I'm not upset with anyone because I understand how they feel.  At times, I'm at a loss for what to say.  Some individuals have been pretty harsh towards us.  Some have created a huge fiasco over it that I have officially pulled myself away.  It makes me feel bad when they refuse to see things from my point of view.  It isn't like debt is going to go away overnight.  It isn't like we'll have extra money to spend in a snap.  But here's a great perspective that I have....

My father once told me, "it's more convenient to see everyone else than it is for them to see you."  This is a sarcastic comment.  It means that some people expect YOU to go out of your way to see THEM.  Not once does it cross their minds to say, "I know they've hit a rough patch financially.  Maybe I'll go see them and we can do something that doesn't cost money."

Dave Ramsey talked about this on one of his talk shows.  He said that there comes a time where you have to start saying no if you want to get out of debt.  You have to learn how to say no to people.  It is easy to rack up debt and blow money when you go out with the people you enjoy being around.  Think about it.  A couple of close friends ask you to go out one night.  What happens?  You are more inclined to spend money you cannot risk spending.  You might buy an adult beverage to be social.  You might go to a nice restaurant and spend $12-15 on your meal.  You might feel more inclined to go out to see a movie.  That money adds up - especially when you have an "income problem."

Not everyone is going to understand.  It's a hard road to travel.  But you have to keep telling yourself, "this will all be worth it in the end."  Don't fall back into old habits.  Now is the time to keep pressing forward.  Later on, those who truly care will see where you have been and what you accomplished.  There will be a day where you won't have to worry about gas for traveling.  When that day comes, everyone will see it.  You won't have to say anything.  For those that don't get it when that day arrives... well, you can decide where the relationship will go from there.

Baby Step #1: Accomplished.

After quite a hectic run around with my financial aid, I finally received my grant refund.  With that money, the Hubster and I put $1000 directly into our Emergency Fund.  That fulfills Baby Step #1 from Dave Ramsey's Seven Baby Steps.  We are now working towards paying off our credit card debt.  Our credit card debt is very small.  It isn't even $1000, which is why we decided to pay these off.   That shouldn't take long at all!

After we pay off the credit cards, we need to get another car.  Some may say that is a ridiculous idea, but we cannot keep juggling one car.  Having that single car run constantly between the both of us is adding miles to the car and wearing down on it.  Already, we need to put some maintenance into it just to keep it running so much.  So, with the remaining amount after paying bills is going straight into fixing the car.  It's a great car.  It's been amazing.  But the poor car has been working way more than it should be.  And it's showing.

WOO HOO!  We made it through Baby Step #1!  On to Baby Step #2....

Oh My Golly Gee Wiz!

I must say that I really do love 2012!  Travis got the job he applied for, so right now, he is finishing up the mandatory tests, background check, la di da.  I had a bit of a run-in with my financial aid.  It still hasn't shown up in the mail yet, which is super frustrating.  In order to keep my financial aid, I had to register for 6 credit hours instead of only 4.  That means I would have to complete 300 hours at my internship.  I asked my supervisor, and she said that worked great for her!  I'm super happy it all worked out.  Plus, I freaking LOVE my job at the zoo.  Right now, I'm making training videos.  It is super fun because I get to see all the animals up close.  Sorry, I cannot post pictures.  It's against the policy.  But let me tell you, I've pretty much gotten over my fear of snakes. haha!

This has become a fantastic month as well.  Previously, I applied to 1 job here in town.  I was not expecting to get a call back.  Last week, I was offered an interview.  I just came back from it.  The job sounds great.  I know I would enjoy it.  I don't know if it is something I really want to do, but hey, it's a job!  I'd be an administrative/marketing assistant that helps with their social media sites.  Definitely a job that is in my niche.  The great thing about it was that out of 155 applicants, they only chose the top ten applicants they liked for an interview.  Yup, that's right kiddos.  I was one of them!  My interview blunder:  I totally under-sold myself.  They asked what I would expect in compensation on an hourly basis.  Uh... I probably should have thought about that.  I'm so used to being told how much I make.  I didn't take into consideration how much I expect to get paid hourly.  I figured for salary, maybe $30-$40,000.  Yeah.... ::cringes:: I said $10-$13/hour, but I would have to think about it more depending on the amount of work I would be doing.  YIKES!   I sold myself short by $10!  ::facepalm::  I feel like crawling under a rock.  But who knows, maybe they'll see that I am genuine.  Maybe they'll pay me a decent wage for my work if they hire me, not the low-ball price I said.  And who knows, maybe everyone else was asking for a much higher wage and the interviewers tuned them out.  I still cannot believe I did that.  I have to keep reminding myself... this is a big kid job!  Not some side, part-time gig to make ends meet.  GAH, I'm worth more than that!

However, I did get offered a job that might pay more.  I was invited to an interview with one of the top ten companies to work for in Fort Wayne, IN.  The position is a Recruiting Coordinator/Client Support position.  They found me through Monster.com.  We'll see where the wind takes me.  It would be nice to have options available.  Besides, I'm really blessed.  Two offers for an interview when I wasn't really trying to look for a job... that's pure blessings.  So many people out there are struggling to find a job.  My heart goes out to them.  It's such a scary position to be in.  Even if I do not get either of these jobs, I still remember to count my blessings.  I was offered TWO interviews.  Let's just say that I'm worth more than I originally thought I was.  That, my friends, makes all the difference.

So, to make me feel a little better, anyone want to share their greatest interview blunders? :P

Here's to a New Beginning!

We are officially starting over!  I think 2012 is going to be our year!  I finished my classes at Indiana University and now I am finishing up 200 hours of an internship before graduation.  I will be graduating in May 2012!  I can't believe it is finally here!  Travis and I packed up our things, and we moved in with my father-in-law and grandfather-in-law.  They are fantastic.  We have lived here almost 2 weeks.  Mornings are spent talking to grandpa and enjoying a nice cup of coffee with some danishes.  In the evenings, we sometimes lounge in the living room with dad and watch TV shows.  Once in a while, we visit with friends and family.  I'm slowly figuring my way around Fort Wayne.  It's a little confusing, but I'll get the hang of it soon enough.

Today was a great day.  I found out that I begin working next week at the Fort Wayne Children's Zoo as an intern in Public Relations and Social Media.  It was meant to be.  They were looking for someone to help with the social media and communications department - and that is what I do best!  Since the internship won't be every day, I'm looking for a part-time job to fill in some of the gaps.  Travis just received a phone call about a job he applied for on Friday.  They really liked his experience and quickness with math.  He has an interview this Friday, so fingers are crossed!  I am also getting a chance to really put my talents to work.  I am putting together multiple websites for different companies and organizations voluntarily.  Right now, I am finishing up a website for Merle Norman Luxe Spa & Salon in Fort Wayne, Indiana.  Then I will be working on an interactive website for an awareness/support group for Intestinal Malrotation.  I think the hardest part about web design is the color scheme.  That's what I'm playing around with right now for the awareness/support group's website.

We still have the apartment in Bloomington.  It is available if anyone is interested.  Right now, we need to pay next month's rent, and it will automatically be put on the market as vacant.  We have to pay the rent and electricity until someone decides to take the lease.  Then, our lease is no longer in existence.  Our apartment complex is a great area, and they currently have no vacancies.  People have been looking for a one-bedroom apartment, and after our luck with trying to find a sublessor - the complex decided to help us with the process so that they can advertise an available apartment for the demand they have been receiving.

We only have one medical bill left to pay.  Then we have about $1000 in credit cards to pay off.  We still only have one car, but it'll work just fine.  My internship is in walking distance, and family members have offered to drop me off or pick me up whenever I need a ride.  Once Travis is working, he'll more than likely use the car more than me.  And my internship isn't every day of the week, so I will be able to pick him up and drop him off whenever I have errands to run and he needs to work.  Right now, Travis and I have developed a goal list.

1.  Re-establish $1000 in our savings fund (we had to use the money to move)
2.  Pay off remaining medical bill.
3.  Pay off credit cards.
4.  Buy a second car.
5.  Save up for an apartment (or possibly a house).

Things are really starting to look up for us.  All I can say is: it's about time!  Travis and I made some New Year's resolutions, and the number 1 resolution is "Always stay positive."  So far, it's been working.  Positivity goes a long way! :)

I hope everyone enjoyed their holidays and are off to a great start to the new year!  Just for fun, what are your goals for this upcoming new year as you build your nest?

Where Are We Going? Who Cares, Let's Dance!

I didn't find a work study position.  But that's ok.  I got things worked out with the financial aid office.  Right now, I'm just focused on getting through this semester.  It is rather chaotic.  Doing 18 credit hours worth of work, two intensive writing courses, two astronomy classes (I'm not that great at science)... plus I'm trying to figure out an internship for next semester.

Travis and I have been having a mini-identity crisis.  We have no idea what we are going to do with our lives.  Choosing a career is such a HUGE decision.  It isn't something to just take lightly.  After having some disappointment with Trav's job, he's made the decision to go to college.  We are going to be sticking around Bloomington just a little longer.  He's been fancying a nationally recognized program at Indiana University.  I think it fits him perfectly.  I think... wait, I know he will be happy in this field.  He is interested in two majors.  I don't think he can double major - but the majors are so similar, a lot of the courses can be counted for both.  So until he finds his niche, he won't be sacrificing years at college if he chooses to do one major over the other.  The majors are a B.S. in Park & Recreation Management and a B.S. in Outdoor Recreation and Resource Management.  Getting set up for next year is actually on Trav's To-Do List for today!  This will be exciting!  

What am I going to do?  Well I have no idea.  I won't lie.  Not long ago, I attended a networking night on campus.  I met a gentleman from a local publishing company.  It is a fast growing publishing company!  As I talked with him, the company sounded better and better.  It literally fit everything I desire in a career.  I asked the gentleman about internships.  He responded saying that the company does not believe in un-paid internships.  That sounds amazing, right?  Well, due to budgeting, they do not have room currently for interns.  I was crushed.  I need an internship to graduate next semester.  I am really looking to intern for a company where I could be hired on full-time.  This publishing company has multiple job openings.  The hours are a typical 8-5 shift, but starting and ending times can vary once in a while.  Even though they are not hiring interns, they are hiring full-time positions.  What would be the harm in applying now anyways?  I have really no commitments next semester.  

The problem:  I still need 20 hours a week in an internship (Rabble Rabble).  So, I did a lot of research these past few days.  I have a strong interest for genealogy.  I've been exposed to genealogy since I was a wee-little thing.  I have a passion for research.  I contemplated going to graduate school, but I am afraid I will over-qualify myself for the careers that I want.  I really feel like my only desire to continue to graduate school is my love for writing and research.  Well... if I apply for a position with a publishing company - I satisfy my writing passion.  Where could I get the research?  Genealogy!  I looked online for the genealogical library here in Bloomington.  They hire interns and are in need for volunteers all the time!  They have flexible scheduling, because they expect that majority of interns and volunteers work during the day!  Why, this is perfect!  They are not open on Sunday or Monday, but they are open on Fridays and Saturdays.  I could dedicate a lot of hours on Fridays and Saturdays (when they need people most) to an internship!  I could work in Event Planning or the Genealogical Library.  I really like this idea!

So today, I am meeting with the career center on campus.  I have so many questions to ask.  I'd also like them to review my resume and help me with cover letters.  I have such a difficult time selling myself.  Maybe it's because of a lack of direction and/or self-confidence and fear of rejection.  I don't know.  But I always blow it on interviews.  I practice with family and friends - and I do great practicing interviews.  Yet, the moment arises to hand over my resume and tell the possible employer about myself, and I fumble.  More than likely, I'm going to need another appointment with the career advisor.  But I'm super excited to at least talk to someone today about my career objectives.  We'll see how it goes.

Oh yeah!  I haven't updated the stats, but we paid off another medical bill!!  YAY!  And we have more money in our emergency fund!  We still have a ways to go, but we're getting closer!  

Happy dance! 

happy dance+animation pics on Sodahead