FEBRUARY 2008 WDW travelers post HERE!!!

YAY! Sabrina-I am so happy you are feeling better and I could help-I have warm fuzzies:hug:

Anyway, I homeschool and I also work 1-2 days a week average(mostly weekends) and for me stay home we have to set what we can spend. I CAN tell you that we blow it sometimes -like this month with unexpected visitors(lice)- and other times too-like when I went to California for CEU's(NO my work did not pay for it:mad: :headache: )-necessary to keep my license but not planned very well.

Because we did not learn very well as kids about budgeting and how to spend less than what the good Lord allows us-we are trying DESPERATELY to change our ways and teach our kids so they can live a better life, debt free and smart. We were not smart about our finances-we were young and stupid-and we now know that there will always be the "unexpected visitors" so we plan for them as best as we can-but last month we had our minivan locking system break and that was also unexpected-too many of those can really bust your plan, man:hippie: .

Unfortunately, we had a BIG "unexpected visitor" oin 2000(leukemia)and we will be paying for that for 20 years. We lost a salary and had more expenses so we used school loans to float us through(DH was getting his masters). Don't know if that was dumb or not but we felt desperate at the time and needed income.I don't regret anything from those years but it is a slight headache:headache: to know how much we owe-and it is a private school loan and escapes most financial help-we have looked, beleive me! We have a tight budget and yeah, it sucks but we have finally accepted it:idea: !

And going through what we went through with Ashton just blew our minds-we are NOT the same as before that ordeal and it has taught us a LOT-like the "time" thing I told you. I hope my kids come out of childhood knowing what REALLY matters-money is a means to an end(and hopefully more abundantly in thier lives-more freeing -to help others), but TIME spent means so much more in the end.

There I go, getting preachy again. Sorry.
It is so EASY to get caught up the the "world"-so easy. I still do and I don't think we can escape that. Just, every so often, we need to stop and really let it sink into our hearts what matters. And implement it into our lives as best we can.

Enjoy your holidays chic, can't wait to meet you!!

Lori

BTW- my kids pick "vacation" too-every time!!
 
Lori

Oh believe me, I know tight budget. When I first separated from my husband, times were tough, I ran up credit cards just to be able to feed my kids. We didn’t vacation back then. This was my first job, I was still in college, but had to leave school to work full time as a receptionist at $9.00, I really don’t know how I made it through, but I did. It has been just my income since 2001, I have no help financially or any help period. Anyways it took me 3 years to pay down my debt and vowed to never put myself in that position again.

I remember crying when I first seen the castle, not only because the castle is magical, but it just reminded me of the struggles. Anyways, I’m babbling.

I took a look at my Christmas list yesterday and have decided to go ahead with the gift exchange and revised the kids list so far its down from $1,700 to $980 and that’s probably as low as its gonna go.


Thanks again!! Can’t wait to meet you too!
 
I got my passports today!!!! We are just one step closer to our trip now.

We are going on a cruise after the P&PP meet.....I bet you thought I was silly for getting a passport for Florida huh! LOL

Tara
 
I got my passports today!!!! We are just one step closer to our trip now.

We are going on a cruise after the P&PP meet.....I bet you thought I was silly for getting a passport for Florida huh! LOL

Tara

:cool1: :woohoo: :yay: Hey Tara how long did it take for your passports to come in?
 

Lori

Oh believe me, I know tight budget. When I first separated from my husband, times were tough, I ran up credit cards just to be able to feed my kids. We didn’t vacation back then. This was my first job, I was still in college, but had to leave school to work full time as a receptionist at $9.00, I really don’t know how I made it through, but I did. It has been just my income since 2001, I have no help financially or any help period. Anyways it took me 3 years to pay down my debt and vowed to never put myself in that position again.

I remember crying when I first seen the castle, not only because the castle is magical, but it just reminded me of the struggles. Anyways, I’m babbling.

I took a look at my Christmas list yesterday and have decided to go ahead with the gift exchange and revised the kids list so far its down from $1,700 to $980 and that’s probably as low as its gonna go.


Thanks again!! Can’t wait to meet you too!

Hope i did not overstep any boundaries with that last post, Sabrina...

You have had some tough times. Divorce is sooo expensive and hard on everyone, not to mention working again if you didn't before. I have that in the back of my head if that horrible thing ever happened to us. As much as I that I borrowed for school, I am thankful I have the skill, just in case I ever need to go back full time, for whatever reason.
I am not against spending it on my kids- I WISH I could just run up the 1 CC we have for this time of year-but we have learned too and I am NOT going back there, even for Christmas or vacation. I can tell you that after this trip we are putting 75% of what I put away for vacations(I have a vacation account) and it is going to the debt. This was my "sanity account" throughout her cancer journey-I had control over that. But we borrowed to live-kind'a backwards huh!? But we lived as small as possible. We did not take major vacations and the 2x we went to Disney we did it for right at $2000 each time and saved for 1.5 years for each one. I can tell you if we didn't have that, I may have been thrown in the insane asylum! BUT we are straight now and desperate to lower our debt! NO -get rid of it!!



Taramarie-Congrats on the passports-I WAS wondering WHY until you said so! I have never cruised, but did not know you needed a passport for the Disney cruise.
 
I think we were lucky with our passports...we applied on Nov 26 and got them Dec 7. LESS THAN 2 WEEKS!!!!

I guess now you need a passport for the Carribean. I think it is new policy. Just what I needed was another $300 for this cruise! LOL

Tara
 
Hey Everyone!!!

{{{Sabrina}}} I read all the post between you and lori! I wanted to just give you a great big hug!!

You too {{{lori}}} You are both so sweet! I just want to also say, I agree with getting all caught up in the " I have to get them everything they asked for, or they'll be disappointed"!!!!! I used to buy for everyone in our family............... NOT anymore, I simply just cannot afford it!! I only buy now for our kids and my sisters kids - that's it!!! I agree we ALL need to get back to the mentality that it is about the time spent together NOT how much stuff we get!!! I'm the first one in line on being guilty of that!!! I had to make the change, it was just getting out of control!!!

I'm just so Thankful to have gotten to "know" some of you girls, you are all so lovely and kind. That is what the Christmas Spirit is all about! I'm glad you reminded me of that, again!!!

{{{ HUGS }}} to all of my friends here, I cannot wait to meet all of you!!!

Sabrina, I hope you start to feel better and if I might be so bold as to say this, please know it's coming from my heart....... get into the spirit!!! Make it a lovely wonderful holiday time with your kids, teach them that it's about SO much more that what they get!!! I will make a promise to do the very same thing with my boys and DIL. I have to start with myself and I promise to that just for you - my friend!!!


Lori, you are wonderful!!! You've given me so much inspiration with your kind words to Sabrina!!! I'm lucky to know you!!!

WE are all blessed, let's all just take a moment to remember that! Look around at our beautiful children and know we are truely blessed!!!

OK - I'm tearing up, but I feel so emotional, you guys are amazing people!!!


Has anyone heard from Denise? Hope she and her family are doing well and that Rees is getting better.

I wish all of you a Happy Holiday Season - enjoy it!!!!

Check back in later!! :grouphug:
 
UMMM Tara - I haven't gotten my ticket or my passport yet???? You DID send them right??? ;) LOL


Oh, didn't you know, I'm coming with you!!!! LOL




I wish we we're going on the cruise, it sounds like so much fun!!! I know you are going to love it!!! Also, that is a great time for passports, my aunt went to the bahama's and waited like a couple of months for hers to arrive!!

Cannot wait to meet you!!! We are down to 54 days!!!
 
:love: You all are a bunch of really sweet people. Sometimes I just sit back and take it all in and I have to say that your conversations made me reflect on a lot things. :hug:
 
UMMM Tara - I haven't gotten my ticket or my passport yet???? You DID send them right??? ;) LOL


Oh, didn't you know, I'm coming with you!!!! LOL

I mailed them to you!!! I just can believe you have not gotten them. It is the holidays so give them a few more days to make it to you.:rotfl:

We are getting excited....I am just as excited about our stay at POFQ and the P&PP as the cruise. We have a truely magical trip planned. We are going to BBB at 4:30,then meeting you guys:grouphug: , I get to see Tink in the parade:yay: , I get to see the castle ( I always tear up:sad2: ), I get to see Disney fireworks!!!

I just ordered a few Tink shirts from Disney Shopping and a new Tink Tankini swimsuit. I also got DD some great Ariel and her sister dolls for $4+.

If I could just get past Christmas and New Years I know I will be okay.:scared1:

Tara
 
Hope i did not overstep any boundaries with that last post, Sabrina...

You have had some tough times. Divorce is sooo expensive and hard on everyone, not to mention working again if you didn't before. I have that in the back of my head if that horrible thing ever happened to us. As much as I that I borrowed for school, I am thankful I have the skill, just in case I ever need to go back full time, for whatever reason.
I am not against spending it on my kids- I WISH I could just run up the 1 CC we have for this time of year-but we have learned too and I am NOT going back there, even for Christmas or vacation. .

NOpe!! No overstepping at all. I agree I could easily run back to credit, but I have been living cash only for 4 years now, paid off all debt and never plan on going back. I wish I wouldve finished school, I have been lucky here I haved moved into a managerial position, but unfortunately it pretty much keeps me tied to this company because I don't have the degree to get paid what I do here anywhere else.

51 days!!!!​
 
Hey Everyone!!!

{{{Sabrina}}} I read all the post between you and lori! I wanted to just give you a great big hug!!

Sabrina, I hope you start to feel better and if I might be so bold as to say this, please know it's coming from my heart....... get into the spirit!!! Make it a lovely wonderful holiday time with your kids, teach them that it's about SO much more that what they get!!! I will make a promise to do the very same thing with my boys and DIL. I have to start with myself and I promise to that just for you - my friend!!!

Thanks Wendy!!! You will both be glad to know that we spent all day Saturday pulling out our Holiday decorations. We pulled out boxes we have not used since 2003, we made cookies and hot chocolate and watched A Christmas Story. They had a blast.


Lori, you are wonderful!!! You've given me so much inspiration with your kind words to Sabrina!!! I'm lucky to know you!!! :

ITA!! She is freakinfantastic!:grouphug:



WE are all blessed, let's all just take a moment to remember that! Look around at our beautiful children and know we are truely blessed!!!
OK - I'm tearing up, but I feel so emotional, you guys are amazing people!!!
I wish all of you a Happy Holiday Season - enjoy it!!!!
Check back in later!! :grouphug:

We really are! Can't wait to meet you all! :grouphug:
 
OMG I am hiding my head in embarrasment-I am not really good with compliments.... Ya'll are totally sweet and I soo cannot wait to meet you all. 53 days!!!

Lori
 
Codes came out a while back for Disney Visa, AP holders and I am not sure if the general ones did. Can someone answer this?? If not, maybe we need to re-name the thread!

Lori
 
AP rates are only out through the 13th and I'm going at the end of the month, so I'm still checking this thread. Hope someone posts as soon as they hear something!
 
NOpe!! No overstepping at all. I agree I could easily run back to credit, but I have been living cash only for 4 years now, paid off all debt and never plan on going back. I wish I wouldve finished school, I have been lucky here I haved moved into a managerial position, but unfortunately it pretty much keeps me tied to this company because I don't have the degree to get paid what I do here anywhere else.


51 days!!!!​

I don't have a degree-I am an registered cardiac sonographer and after about 2 years of pre-req's, I got into a year cardiac ultrasound program in Baton Rouge(not LSU related) BUT it was HIGH tuition and as my DH was on the road a LOT that year, we lived in my dads half finished garage!!!:rolleyes1 That was before kids and about a year into marriage. Half the time I was on the road with DH (he was traveling around the state and so if he was anywhere w/in an hour from BR, I went with him. We spent many weeks living at the Hampton Inn on College drive-even had a pumpkin in the window for Halloween that year! We were at my dads mostly just on weekends and I was there when DH was further out. That was pretty much the start of our debt-school. We had it in our heads we'd be the "career couple" and be able to pay it all off in a couple years-funny how LIFE can change direction so quickly! God had other plans for us-He said "no". Maybe if we didn't have that happen we wouldn't be so passionate about teaching our kids how to handle money the right way-we hope! Who knows. I just want it paid off forever-gone. We haven't gotten into more debt in YEARS until I needed to get CEU's or lose my license-and my stupid job won't pay a dime, nor do they offer us CEU opportunities. I even pondered if it was meant for me to lose my license, b/c the debt thing for it just burns me up. We found the least expensive(me and my boss) most CEU's conference we could-and that happened to be in Napa Valley(ironic huh??-I mean, Napa is not cheap!). We stayed at a less expensive hotel to save $$$. About half of that trip was paid cash beforehand-and I can claim all of it!!

Rambling-sorry...

Lori
 
I hear ya. It's totally a lesson learned for me. I almost went back and applied for Disney Visa, but didn't trust myself to be disciplined enough with it:rolleyes: oh well.

How often do you have to get CEU's? Next time you come down for that, instead of staying in Napa, you might want to consider staying in maybe Vallejo or Vacaville, cheaper than Napa.
 
We were supposed to be right outside Napa at an Extended Stay, but wind up at a Santa Rosa Extended Stay. It was a blessing though, as we may not have ventured to the coast!! I was actually a little scared by the second night in Santa Rosa and wondered if it was an "iffy" area. We were off the interstate and I cannot remember the exit #. Someone tried to use a key in our door one night at 1am. The the third night there were police on the other side of the hotel. I slept with my keychain of mace:thumbsup2 , Not that that would help unless they were in my face. Isn't that sad-I wonder what I'd do? I did not book this room and my DH wanted us at a nicer hotel but since I did not book it ;I had little control. She had gotten a great package on air/hotel/car. My airfare was free thanks to DH travels. I was ready to drive to Napa that night and pay out the you-know -what for a hotel room where the conference was. We knew people there. And it was a nice hotel-like $300 a night. That is how scared I had gotten. My boss wasn't worried at all and so I decided to try and chill and not overreact. I was thinking"here we are in a strange place to us, 2 females, we should've just played it safe instead of trying to save money".

I must say that by the last day there I was soooooo ready to be home already. I was aggravated and my boss was aggravated b/c I think she thought I was a wimp. PLUS I drove to the airport from Napa and it took freakin' forever and the signs there were awful. There were like 4 different exits for the same interstate(521??) and none of them had a direction written on them(we got off at 2 of them, both wrong). My stress level was at a peak and so when we finally got there I was so ready to get into the airport through security that I forgot my cell phone in the car AND the car place charged us $63 for gas(when we had already filled up in Napa)!!! My boss was ready to yell and scream and I said "forget it, I got it"-stupid but that is how stressed I was. I couldn't deal with a fight-it was worth $63 to avoid confrontation to me. By the time I realized I forgot my phone we were pulling up at the terminal (bus from the car rental lot) and minutes after the bus went back to the car rental place (I told boss to just go to the terminal and I'd catch up) with only me in it, I just started crying. I grabbed my phone and thought for a second that if the lady who charged us that much was close by I would ask her about it. I grabbed my phone, didn't see the lady and got back on the bus and called my DH and cried and was pee-o'd!!
Next time I go somehwere I don't know for a conference(which will be a while) I am taking a cab or public transportation(safe public transportation like Chicago was not life threatening from the airport to dowtown), I will stay at least down the street , if not in the hotel the conference is at. (more expensive, less driving, feel safer).

Othe rthen that, we really did enjoy the beauty of California. I want to go sit and smell the smells of Bodega bay(trees and ocean and those trees!!!!) on Hwy 1. It was really the best smell my nose has ever experienced:lmao: .

Another ramble-sorry...

It really was not an expensive trip, half of it was paid in cash before leaving. After my year of 0% interest on my Disney Visa-it is gone. It will be paid off by the time we leave for WDW-I hope!!!

Lori
 
:scared1: Yikes, I would've been spooked to! You should've written a letter to the corporate office of the car rental agency. You know stressing the point that you didn't have time to argue with the evil employee because you were afraid you were going to miss your flight!


Guess what we were at today... 50 Days
 












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