Budgets are the Devil

 

How many of us have created a budget and failed miserably to stick to it? I know I have!

I did away with our budget, it is the devil! It does nothing but make you feel like a failure!

Here is how our finances work:

The husband and I both make around about the same amount give or take a few thousand a year.

Monthly:

Husband: Rent

Myself: Electric (which we cut in half by not using our central heat and using space heaters), water, Internet, and groceries.

It may seem like I am paying more but really the total amount is about equal.

As you can see, we know what we are going to pay but its not on paper. It is not labeled a budget. We decided what to do with the extra money left over. I might deposit mine into my 401k and he might do early christmas shopping or vice versa. We DO NOT have rules on what we are allowed to do with the extra left over after bills.

If we budgeted every dollar we would fail and become discouraged. By not budgeting, as long as the bills are getting paid it is an accomplishment and we are staying on track. There is no failure or discouragement because we have met our goal for the month.

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Bye Bye 2016

2016…. it was well eventful in good and bad ways. It started wonderful

I married my best friend (great)

Both got new jobs (great)

Got re-accepted to college (great)

Totaled my car (bad)

Financial struggle (bad)

2017…. you are going to be amazing. I didn’t make a resolution because I never keep them. Frankly I forgot what my 2016 one was.

In 2017…

Our 1 year anniversary

Our first family vacation

Nathan turns 16!

I go back to school!

I vow to get away from financial struggle.

Wish I Could Work At a Vet Hospital

I wish I could afford to work at a vet hospital while pursuing my pre vet….but the hours and pay are terrible for vet techs. I left my job as a vet tech to take a job at a hotel because of the amazing pay and benefits. I was working third shift for little to nothing, I couldn’t support my family.

It would be amazing it the vet industry got a boost.

Well Here We Are

Well here we are. It has been 9 days since my last blog post. I do apologize, there has been a lot going on and stress levels are high.

It has been interesting only having one car. We are making progress with our claim though and got a rental car 2 days ago.

Mom #1 is also causing some issues with my oldest. There is some emotional baggage and mental issues that she is projecting on him. She has told him that she wants nothing to do with him and that my husband and I are bad influences. This is causing him a great deal of distress, is causing him to be distracted in school and caused him to loose his girlfriend. Keep in mind he has lived with us for the past 7-8 years with minimal contact with her.

I was selected for verification through EKU, so now I am fighting to get tax transcripts in and submitted in time. Most of the classes I need to take are full so I am still struggling to get into the correct classes. This is becoming a long drawn out process but the end result will be worth it.

Well that’s an update on life as of right now.

 

P.S 4 days to Christmas and the shopping still isn’t done!

Vet Schools?

As of right now I am considering

  1. Cornell University (#2)
  2. Louisiana State University
  3. University of Cambridge (#4)
  4. University of California – Davis (#1)

These are my top 4 vet schools I am considering.

All offer combined DVM/PhD programs except for…

University of Cambridge which offers a 6 year veterinary program. Cambridge also offers extensive graduate programs in Biochemistry which is my secondary focus. #4 vet school in the world. #1 research center in the world and most prestigious and oldest university in existence. Cambridge is also the cheapest veterinary program cost wise. Downfall: Accreditation in every country except for the US and Canada.

Cornell is the only Ivy League veterinary program in the country. the #2 vet school in the world

Louisiana State is home for my husbands family.

California – Davis is the #1 vet school in the world.

I will be completing my B.S Chemistry at Eastern Kentucky University. I have the option of  completing my masters as well but would like to attend a more prestigious graduate school as well. Kentucky does not have a Vet school. We have seats at Auburn and Tuskegee but both are very low on the vet school ranking board. No-matter where I go I will be an out of state student with a disadvantage.