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I feel like we're finally working as a team.

July 17th, 2008 at 01:26 pm

BF and I had quite a breakthrough yesterday. We're trying to get everything set to start moving next weekend (seems so close!), so we have to get all the paperwork sent in, etc. We were filling out the rental application yesterday, and there was a section where you fill in your liabilities, and how much you pay on them every month.

Up to this point, BF wouldn't tell me how much debt he had. It really bothered me, as we may potentially be getting married in the next year, and working together on money-related issues is a big deal when your married (if you're going to have a successful marriage, anyway). I want to start working together *before* we get married, so that when we eventually are, it wont be some huge change.

That being said, I got to see. I even offered to not look at it if he was uncomfortable with it, but he said it was okay. He's really embarrased about his debt, so it's not something he ever shares. With anyone. But he shared it with me, and even acknowledged that he needs a little help dealing with it. He doesn't have as much debt as I do when you talk straight numbers, but most of his is CC debt, and he has to pay the car off still.

He's convinced that once he get's back from Iraq that it wont be a problem anymore, because he'll get a check enough to pay off all his debt and then some leftover. I stressed the importance of paying them off as soon as possible, however, so he doesn't end up losing a bunch in interest in the mean time. He's trying really hard. He never uses his CC anymore, and we've been working together to save on the little things.

I feel like we're really working as a team now. It's fantastic. I think a lot of it has to do with moving-- into "our" place. In BF's eyes, I've been more or less "squatting" at his place. But he told me yesterday that he was looking forward to moving into "our" place. I can say the same, and it made me so happy to hear it from him Big Grin We'll be splitting bills and really mingling finances now. haha.

It's a big step to move in with someone, I think. I've done it in the past, and it's tricky. I think it's really the closest thing to being married without actually being married. Technically BF and I have been "living together" for 3 months now, but this will be different. It's a little peice of home we're building together. I love it! But I also acknowledge that it's going to take a little bit of work and organization to get us on the same page.

I've been reading those personal finance books, and it got me thinking about financial goals. I have the basic ones: pay off debt, eventually buy a house, travel the world, retire by 60ish, have enough money to really raise a kid, put him/her through college (or at least help). I asked BF about his, and really the answers were similar. He wants to retire young (50-55), he wants to travel, he wants to have kids.

We want to raise our children in a foreign country, at least through thier teens. We definitely want to live in a foreign country. That's a huge step, and one we're going to have to think through very carefully (for obvious reasons). I want my kids to be bilingual and go to a school better than the ones you find in my area. haha. I want them to have cultural exposure, as so little people, even adults, do in the US. We've talked about how many kids we would eventually want, but he caught me off guard yesterday when he told me he wants to have as many as we can afford and raise well. He thinks we would both make great parents Smile I hope he's right. I guess we both come from relatively big families, but I dont know about popping out more than 3! If we could split the labor maybe it would be different, but unfortunately, he doesn't have the equipment Wink But of course, this is all a really long way off.

I just feel really good about things. School will hopefully work out. I'm putting all my savings on my CC so I can lower my interest payment on the 2nd of the month. Then I'll put basically all my tuition payment on my CC. Then we're back to square 1. I'll spend the rest of the summer trying to pay it off. Sigh. I have to admit I'm a little worried that I'm not going to be able to pay the difference. I had my can-do attitude the last time, and it got me really far (about $1500 far), but not far enough.

Falling short never feels good, so perhaps that's affecting my attitude. But this time I dont want to be caught by suprise. If I cant pay it, I'm going to take the semester off. I really dont want to do that, because I want to get this degree asap. But on the positive side, that will give me some time to get my finances in order, perhaps pay off my CC.

On another positive note, Associated Content Published 2 of my articles:

Text is The Best Sushi in Akron, Ohio and Link is http://www.associatedcontent.com/article/857229/the_best_sushi_in_akron_ohio_for_japanesefood.html?cat=22
The Best Sushi in Akron, Ohio

Text is Friends with Benefits: A Healthy Alternative and Link is http://www.associatedcontent.com/article/863877/friends_with_benefits_a_healthy_alternative.html?cat=41
Friends with Benefits: A Healthy Alternative

The first is a review of Sushi places in my area, the second is an unorthodox relationship piece. Total of $7.55 for both. Half of it is already in my paypal account.

In other little tidbits, I've successfully taken leftovers and not ordered food from work all week. That is to be continued today and tomorrow, saving me approx. $10 for the week. And I've been eating much healthier!

A little team victory last night: Went to mom's to cook dinner and do laundry. Mom and sis were heading to the drive-in, and we were invited to go at a really good price ($10 for both of us). However, we opted to watch movies we got from the library at home instead. Also, on the way home from mom's, we passed Taco Bell, and even at the mention of possibly getting something by BF, we opted to just go home and eat some homemade hummus and smoke the hookah Smile

BF's foot is doing a little better, but he's still off work til tomorrow. I'm enjoying having him home! Smile

Alright, enough rambling. I'm sorry if you read all the way through it. Must have been painful Big Grin

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