Where Will We Be In a Year?

Hello readers. Welcome back to my blog!

Today I would like to tell you my goals for the next year and where Tony and I would like to be in the next year.

To start, Tony and I were wanting to be in a house by the end of this year or beginning of next year. My only concern about that is we won’t be able to have a down payment which is a big no no. Another reason we are a little bit against it is because of our current debt. We would like to get a few things paid off and get both credit scores up a little before buying a house.

Currently we are living in low income housing and honestly, we are hoping to be able to renew when our contract expires. Not only so rent stays cheap, but that way we will be able to make payments towards student loans and our car. In order to qualify to stay living where we are, we have to be making less than $33,000 a year. Fingers crossed we will be able to do it.

One thing we are hoping for but aren’t completely sure about is our tax return in 2019. We are hoping we get a big return with Tony’s W-2 and having a child. I am hoping for a couple thousand at least. We would like to put $1,000 in a CD and have it stay there and accrue interest for a while. Then we want to put about $5,000 towards our car… uhm… we talked about this but I forget what else we wanted to put the money towards. I know we both want to put some money towards our student loans and I think we should get to keep a little in our account for us.

We are hoping to get Tony’s job to two years so that we qualify for a better home. Along with that we are wanting to limit our “fun” spending to pay off bills to mainly get Tony’s credit above 700 since he is the one with the job, it pretty much only matters what his credit is.

A goal that I have away from money is teaching my kid to walk. My goal is to have him walking before he turns 1. How cool would that be?

Another goal that I have that’s not money related is my weight! Last goal, I think. I mean, how cool would it be if I could lose 100lbs from the day before I had my baby? So I was 245, and getting to 145 would be my goal. As of Sunday I weigh 221lbs. I lost 5 lbs last week! That made me feel really good considering how much work I’ve been putting in.

If you have any goals financial or for yourself, let me know in the comments! Thanks for reading!

Advertisements

Raising an Only Child

Hello readers. Welcome back to my blog.

Today I will be talking to you about why I am so excited to raise an only child.

A few years from now my mind might change about having more children. But after what I went through with this child, I plan to have him as my only child.

A big concern of mine is having an only child that feels spoiled and entitled. I am not about to have a little bratty kid so I’d like to share with you what I would like to do while raising him. I do have to make sure that Tony and I are on the same page when it comes to decision making because you know, he helped make the kid, he’s gotta help raise him too!

The thing that I am most excited about I think would have to be making him earn the money that he gets. I don’t plan to give him an allowance unless he works for it. I’ll give him a list of chores based on his age and what he’s able to do. Then that will determine how much money he is given. The reason that I am so excited for this step is because I read an article once on how this lady raised her kids and she actually made them pay bills. That sounds a lot worse than it actually is. So let me explain. With the money that she would give her kids, she would make them pay “rent” or “food” bills. She would have them give her a percentage of what she gave them. She would then take that money and put it in a bank for them to receive when they are all grown up. That’s the part they didn’t know. So basically she’s just helping them for when they grow up and actually have responsibilities and also helping them save money so that they can go to college or buy a house whichever they plan to do.

Another thing I am excited to do is have my child help me with my taxes! I know taxes are boring, well maybe for some people. I enjoy doing my taxes so I’m excited to pass that down to my son. It’s very important for him to learn how to do taxes so that when he is off on his own he isn’t completely confused by the process. When I started doing taxes, I was so confused because I never learned how to do it. School doesn’t teach you real life stuff. I actually just got audited on my first year of taxes and I found out that I owe them a couple hundred dollars because I did it wrong. I don’t want my son to have to worry about that. So when he’s 15, 16, 17 and 18 as long as he is in the house, I will have him watch me do my taxes as well as teach him the process along the way.

One thing that Tony and I have talked about that we are okay with having our kid be informed of will be our finances. Along with all of that comes honesty. Honesty in every situation. Growing up I didn’t know anything about my parents finances so of course I’m going to beg for every toy that I want. My mom was always too embarrassed to publicly say, “I don’t have the money for that right now.” I get that it’s embarrassing, but like, everyone has their hard times. I think it’ll make my child a little less angry when I am not able to buy him something if he knows that we are a little tight on money at the time. But to tie into the first paragraph, if I have taught him anything about saving, he will be able to buy his own toys when he wants.

I cannot express how crucial honesty is to having a healthy family. I don’t want any secrets and I want us all to be close. I want to take what happened to me growing up and try to do the complete opposite for my own child. Nothing against my parents, they were great. I just feel that I was lacking in learning some of life’s most important subjects. I’m hoping that I can raise my child to be ready for his future and to succeed at life.

Honest Herbalife Review

Hello readers. Welcome back to my blog.

Today I will be telling you my honest opinion about Herbalife for those of you who don’t know much about it. Or for those of you who know what it is, but aren’t sure what it’s for or how to use it.

Just like anything in the world, if you use the product as suggested, it’ll actually work. I am living proof. However, I did have to put in a lot of work just like anyone would have to. But I just have to say, I love Herbalife. I live by Herbalife. I highly recommend Herbalife to anyone who is trying to lose weight.

With giving my recommendation, I would like to bring up the price. It is pricey as I have stated in previous blogs. I am lucky enough to get wholesale price because probably about 5 years ago, I signed up to be a distributor. It costs $50 a year to keep the distributor title which is not bad at all! And it’s only $100 to sign up. With the distributor discount, I get 25% off each order which is worth it to me since I place orders often. Okay, now product prices. I always get meal replacement shakes. I pay about $32 for one container. The sweet thing about that price is that there are 30 servings in the container. Which means each meal is just over $1. See now, if you’re going out to eat a couple times a month, you’re spending between $5-$10 on yourself alone each time. These replacement meals are easy to make and easy to take on the go.

Another thing I love to order is chai tea. The chai tea is about $35, and in my opinion it’s totally worth it. After one cup of tea a day, I feel totally awake and totally energetic. However, that’s not the only energy type drink that they have. There are a bunch of other different tea flavors and they also have a drink powder called ‘lift off’. For those who can’t drink tea due to religious beliefs would enjoy the lift off. A set of 10 powder tablets costs $15. If you drink an energy drink everyday that’s around $3 a day. See how this is all worth it?

It isĀ  a pyramid business, but I choose not to use that side of it. I order the Herbalife products for myself and my husband.

I used these products for 3 months straight and lost more weight than I had ever lost before in my life. Luckily they taste good and they are very filling. The meal replacements are actually replacing the meal. They are not just a drink that keeps you full for a second. They last a few hours, they will take you to the next meal.

I just barely placed an order and should receive it next week on Tuesday or Wednesday. I plan to be on a strict Herbalife “diet” from then on, as well as keep on exercising because I know that this will be worth it. I know that I can lose weight as long as I do what the instructions say to do. I can’t wait!

If anyone has anymore questions about Herbalife, ask away and I will do my best to answer! Thanks for reading!

Healthy Changes

Hello my sweet readers. Welcome back to another blog!

I am starting to focus a lot of my time on being healthy and changing my lifestyle to be a little more healthy because I am only two and a half weeks away from being able to work out again!

Each morning and night I have started walking. Of course they are not very long, but at least I’m getting out there and doing it. Each walk I go on is about half a mile which means I am walking one mile a day. It’s nice that I have my VivoActive Garmin fitness watch to track the steps I’m taking and to tell me how far I have walked.

Another thing that I have started to be a little healthier is arm workouts morning and night. Unfortunately I am unable to do heavy lifting yet, but I have a couple 2lb weights and I do a few small arm movements. I try to do different workouts both times of the day just to switch it up a bit, you know?

A huge part of my health change is going to be what I consume during the day. I’m going to be honest, I eat a lot of candy and I always have. Luckily I have Herbalife. I just barely put together an order on the Herbalife website and now I’m just waiting for payday to order it. The nice part about Herbalife is that everything tastes so good. And not only does it taste good, but you lose weight when you follow the suggested usage as well as what else is consumed with it. I’ll be having two shakes a day and then one real meal. The shakes are considered to be meal replacements. I personally always get chocolate and I mix it with either vanilla protein powder or a banana. I always get chai tea as well. Not to give too much information, but it’s honestly a laxative haha. I love Herbalife. It’s pricey, but worth the price.

Today I took my weight and my measurements because I plan to shed a few lbs and I would like all of you to come along on the journey with me. Unfortunately, I am too embarrassed by my body to take a before picture, so, I’m sorry you won’t be seeing that.

My current weight as of today, August 7th 2018 is 226.0 Lbs

Now for my measurements…

They aren’t exact, but they are close. I’m not very good at taking measurements on myself, but I tried. As I’m losing weight though, I know the numbers will drop even if they aren’t accurate.

Arms: 15.5 inches

Chest: 50.25 inches

Waist: 41.5 inches

Hips: 47 inches

Thighs: 29.5 inches

As embarrassing as it is to tell everyone that, I know the numbers won’t be this high ever again in my life. It’s okay that they are this high currently, I just had a baby for crying out loud! I need to stop being so hard on myself.

However, I’m excited that you all get to be on this journey with me and I can’t wait for this entire lifestyle change!

Sunday Stories

Hello readers and welcome to another ‘Sunday Stories’.

Today I will be telling you about why I can’t lie anymore.

I catfished someone for a whole year!

As many of you know, I have a very low self esteem. So, when I was beginning high school, I figured the easiest way to make online friends was to take a picture of a pretty girl, and message attractive guys. Of course the girl whose pictures I used was an old friend, so I was able to catfish her as well with his pictures to get fresh pictures to send to the poor guy that I catfished for an entire year. Okay, here we go.

I was on facebook looking at this specific guy who was way too cool for me back in junior high, so instead of trying to be his friend, I used this other girl. When I was messaging him pretending to be her, he was saying how he used to have a crush on her back when they went to school together. I had no idea when I first started, but he let me know that he was moving back to Utah soon, so of course while we were getting to know each other, I had to let him know that the girl I was pretending to be was friends with the real me. Luckily, my mom had a spare phone that I would use to look cool, so I would use my phone as the girls phone, and when the guy wanted to get ahold of me, he would just text the spare phone.

When he would call, I would make my voice more high pitched than normal so that when he would need to talk to the real me, I could talk in my real voice. I’m still in awe that this worked for a whole year. Well, soon enough, he moved back to Utah and I let my mom know that he was dating this girl and that he didn’t have any place to stay so that she would feel bad and let him live with us. Before moving into my moms house, he was staying with his friend so I didn’t have to let him know why me and this girl weren’t always together yet, he still thought her and I were together day and night. I soon let him know that this girl that I was pretending to be had a boyfriend and was cheating on him. This was my “in”. This was my way to get her out of the picture so that I could stop pretending to be her.

When him and I would talk on the phone, while I was pretending to be this girl, I would always stay inside so no one would ask why I was talking higher pitched. There was one night that I didn’t even think about it and I went to McDonalds. His best friend worked there. I was still on the phone with this guy while I was going through the drive through and I said “So and so says hi.” I’m dumb, I know. His friend texted him and was like, “You’re dating Chelsey?” Then he started questioning me and I just had to kept telling him that Chelsey was pretending blah blah blah… While we were arguing that night, I made another mistake. My voice stopped being high pitched while we were talking and he caught me. He said my name and I answered to my own name! Ah, I’m not good at this.

One night, I picked up him and his best friend and took them to a townhome that I knew no one lived in to try to make it seem like I knew what she was doing in her life. I told them both that’s where this girls boyfriend lived and she was here. I would call her and she wouldn’t answer, and of course I knew she wouldn’t and that’s why I would call. But what I didn’t think about was when I would call the real girl, her voicemail would say her name, and when he tried to call her it would just say the generic voice message. He started freaking out and kept telling me to take him home. He knew it. He knew it was over. He told his mom and his mom told my mom. Wow, I felt humiliated. Since then, I haven’t been able to keep a secret or tell a lie.