One step forward and two steps back.

So I have a ton to say but it seems as soon as I start a blog I feel my feelings aren't expressed right or that I came out too harshly which is why there hasn't been anything written for a while. Not like I have a huge audience but for those willing to listen to me and be my therapist here we go.
So if I were to be giving myself a grade of how well we are doing compared to last year I would say that even with the accident I'm doing just a little better not by a whole lot but by a little.  I'm now unsure about that because yesterday I needed to pay a credit card that got out of hand this year and realized that I am paying a whopping 169 dollars in interest.  That is just making me sick to think about.  So I'm hoping that this years tax return will help. Unfortunately I'm now unsure of when my car will be paid off.  My 401k loan is almost paid off which is what I was thinking about using to pay off my car but I'm unsure. My credit card interest on this card is 29 percent and even though my wife has good credit she won't have the upper hand until we have that card paid off so my 401 K Loan might just go toward that. I do have an idea on fixing my financial situation. My best solution is this.  If I could barrow 30000 dollars for around 2 months pay off everything except my 1st mortgage then go get a home equity loan for 30000 dollars pay off my loaner I would be golden.. I believe my payment would only go up by 119.00 dollars.  I could be wrong in fact my math doesn't add up right. I'm more thinking in the ballpark of 250 which is still better than all of my other debt combined.

So it's later Monday night and while doing finances I realized I had totally spaced my wife's credit card. I haven't paid it since September so now I don't know where we stand.  Seriously need some straightening up.  Time to be forced to be poor.

Nuggets of Happiness.

We decided to take a quick trip to Idaho this weekend for a Christmas Party. I pulled up to my sisters house and see a Ford windstar van that belongs to my younger brother.  He decided to sell his newer car and buy an older vehicle because his needs have changed not his wants. He figured out that if he sold his car today he would get 2000 dollars more than if he sold it 2 years from now. He now is prepared for the future has no car payments and 2000 dollars in the bank oh and did I mention he already has a rental property.  This is all because he knows he wants something bigger than what the present can offer him. He wants something bigger than a new truck or a new ATV on a loan. I couldn't be prouder of him I wish I had more people like him around me more often.
I was driving home today from a fun overnight trip at my family and I realized I was happy. I had my family with me my van was running really well.  I wasn't in any rush to get home. I was just enjoying the drive.
I've had a rough week this week.  I don't know what it was but I was really depressd this week. I would come home and dread going back to work.  Little by little I found happiness through little things.  By the end of the week I was excited that some of my goals are becoming reality. I will soon be having my car paid off. Credit cards will soon follow. I am having my second Christmas in a row where I feel guilty about my Christmas gifts being so expensive yet they're still under a hundred dollars.  Yes life is getting better. Not good enough for me to shut down this blog but better. I still have alot of tips and rants but for tonight I'm going to reflect on my happiness and hold onto it.