It’s been a couple of windy days here in Minnesota as we gear up for back to school and the approaching autumn. Many folks look forward to autumn…me, not so much, although I’m trying to have a better outlook on the season. I think I feel that way because autumn is the gateway to cold temps here in the Northland, among the snow that isn’t always fun.

Okay, stopping the negative talk :). Onward and upward, which has always been my mental theme for my Chapter 13 journey.

I made my 27th payment, not quite 50% complete yet–33 more to go!  Again, it’s going good.  I would definitely recommend it to anyone struggling with their finances that just can’t see the light at the end of the tunnel.  You have nothing to lose as far as I see it…coming from a now 50 year old mom and wife ;).

With school about to begin, I have to say I’m looking forward to a routine with my daughter again. The summer has had us traveling around to a variety of different babysitters, as she’s still not old enough to stay alone and for some reason it has been a challenge both finding sitters this year and the added expenses. $35/day seems to be the going rate.  After school care at a private sitter will be $7 for two hours.  She just needs somewhere to land until we pick her up after work. I wish I had more flexibility with my job that way.  They’re only young once…BUT, no complaints here.

I continue to “moonlight” with transcription jobs on line, which is some work, but that in which I can do while I’m even watching TV or settling in for the last hour of the evening.  A little extra here and there can buy extras now and then.