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Just a little update on my life and most of the things that I have going on at any point in time. :) So many things, so little time!! I...

Thursday, November 17, 2016

Racism and the Political Atmosphere - Thinking Out Loud Thursday *31*

I wrote this a few months ago and never posted it... I think I should stop censoring my posts...

So I haven't posted a Thinking Out Loud in quite some time!! October, 2013 to be exact!!!

I thought I would revive this series and see if I could expand upon it in some way. We will see about that...

I wanted to talk about the political atmosphere in this presidential election. On one hand we have Hilary Clinton who I will be 100% voting for!! I wanted to make that clear first and foremost. I am absolutely a Bernie Sanders supporter and would love to have him as my president. I do hope he runs again in the future. However I have always supported Hilary and she definitely is next in line after Obama.

Clinton has from what I have seen quite a few "haters" as I would like to put it. There are so many people that are so far against Hilary Clinton that they would prefer to have a moron running the county into the ground, the same with his own businesses - emphasis on the plural.

I would much rather live in a county where we are building each other up everyday than tearing each other down with hate and fear mongering. This world where it is OK to hate each other based on nothing more than appearance or religion will be even more pronounced with that racist bigot in the white house.

We as a people must spend more time developing each other and attempting to make each other better in some way, instead of the opposite!

All this hate and drama that goes on is not good for our future and our children's future. My question is how can you hate someone who has never done anything to negatively affect you?? How can you make assumptions and discriminate against someone without any substance behind said assumptions??

How do you try to ban an entire race or religion with the concept that they are ALL bad!! There are bad people from all walks of life. Bad does not designate itself to where someone comes from, or the color of their skin!!

I was watching CNN a while back and there was an ignorant commentator who stated that black people get arrested more because they commit more crimes. That is complete and absolute bullshit that he and people who think like him are just to blind to open their eyes and see!!

I have witnessed first hand where someone of a lighter complexion would get away with a crime Scott free whereas someone of a darker complexion would get the book thrown at them. People have this preconceived subconscious notion that darker skin equates to criminal, bad, belongs in jail, ect...

Just look at all the media that surrounds all these shootings! A man walks into a church and guns down several people. He lives to stand trial. A child in a park with a BB gun, shot dead on sight!!

A man upset leaves dinner and murders an innocent couple and eats their face. The cops say he "was a good kid". Obviously not!!!

They paint these monsters as anything but that, and label these unarmed black men, women, and children who are gunned down as thugs, heathens, and criminals!! Attempting to justify their over use of force and prejudice!

When people assume that racism isn't a thing when they have never experienced it first hand its a problem. It is even bigger than people would like to believe. If you put someone in a box and assume the worst of them how can they show you that they are better?? Especially when you choose not to look and prefer to ignore.

I was watching a clip where a white man basically told a black man that his experiences of racial oppression were of his own making and that people of color need to stand on their own 2 feet. The black man completely shut his thought down stating that due to the fact of how this country was stolen from the Native Americans, how Africa, Australia, Asia stared with only people of color that white men are standing on the backs of all of those they have stolen from & who they feel are beneath them! Including white women!

To expand on my previous thoughts...

This rings true on so many levels for the tone of this election. It is sad that we are going through this again today and that people are coming out of their racist closet thinking it is ok to be this way.

Electing Donald Trump can possibly be the worst or the best thing that Dumb America could have done. Worst case scenario is he gets us into a war somewhere, revokes Roe v Wade, Gay Marriage, and Obamacare, as well as all the other things that this country needs. Best case he actually does not do any of the crazy shit that he ran on and actually acts like a good president. (Unlikely)

Either way I hope that this election has taught people that they just cant sit at home on election day or any other day that will define our country and lives in some way. You have to stand up for what you want and what you believe in.

If you don't other people will and their agenda will be pushed, while yours is pushed aside...

Get out there and vote on big and small elections.

Stand up for what you believe in!! As long as what you believe in is just.

Hatred and bigotry should not be what we show towards one another!

Respect and understanding will get us much farther than we ever could imagine. Would be nice, wouldn't it...

Wednesday, July 27, 2016

The Vegan lifestyle is so hard!! - Let go of whatever is holding you back

Changing my lifestyle has not been very complicated at all! I mean in terms of going from a meat eater to only chicken & fish, then only fish, then vegetarian, and finally vegan.

The longest transition for me was going full vegetarian. Only because of the abundance of food always around at my job! There was always something around to eat. I made it a point to not even look at & consider eating the meat and once I had that in my mind it was pretty much set.

At home, it is much easier. I simply do not buy meat!! And now I am not buying any animal products period! No meat, milk, cheese, or eggs. I never really did honey...

Since I have found #Aquafaba I especially have no need for eggs. The only thing that is somewhat missed is the cheese. I have not spent a lot of time looking for alternatives as of yet but I will make it a point to do so next time I head to the grocery store.

A whole new world opened up for me since going Vegan. Now I can eat and not worry about where my food came from or if it will cause me or my kids our health in some way. I can eat knowing that no other living thing is being harmed in the process.

People who have never thought about being vegetarian or vegan have such a negative idea about what it is. And my biggest issue with it is why on earth would someone ever be against someone actually eating their veggies!!

When my father found that I converted my sister to vegan he started out with the negativity. I said to him eating vegan is the same as we usually eat just take out the meat. Having grown up with him cooking many almost vegetarian-ish meals, it was not hard to understand. He then said to me "I never could get her to eat her vegetables." Well grandpa!! Now she is!!

All I had to do was show her a video of what happens to the animals on the farm. It wasn't even a super graphic one!!

Once you let go of the idea that you CANT eat like this, everything else is out the door!!

Once you open your mind to finding ways to cook without meat, milk, eggs, and cheese, you will find a whole new world of possibilities that you never would have known!!!

Being vegan is not hard!!

Being vegan is not expensive!!

Being vegan does not take up any more time than eating a SAD(Standard American Diet) does!!!

I never really ate a SAD diet but now when I am walking through the store and I see someone picking up a couple pounds of bacon I cringe and all I can picture are their clogged arteries, heart disease, and all the other issues they have because of their poor eating habits.

The time to start eating healthy is now! If you are thinking about it, let go of whatever it is that is holding you back from doing so!! Do it now! Start now!

If you cant make a conscious effort to do it yourself, no one will do it for you.


Wednesday, June 08, 2016

Vegan Lifestyle?? - Transitioning kids from Vegetarian to Vegan!

Over the past year I have transitioned from being a meat eater to vegetarian. I had always known that was the best way to be and I had already cut out beef and pork from me and my children's diet. We still ate chicken, turkey, and seafood up until earlier this year when I stopped buying any and all kinds of meat. I still bought milk, eggs, cheese, and yogurt until recently and not 100% when I will stop entirely.

I recently started back with an almost daily yoga practice. Something that I have loved to do for years but never did more than once a month after initially starting. In doing yoga and following tons of yogis on Instagram, I came across many, many vegan yogis.

The other day I posted my lunch on Instagram, featuring broccoli, cauliflower, and avocado. It was delicious I must add. I always hashtag myself as #WannabeVegan and a friend of mine commented. It made me realize that I have rarely eaten cheese and have not brought milk into the house for weeks!!

I was subconsciously transitioning to vegan!! So I might as well make it a conscious effort like I did with being vegetarian.

My 18 year old sister didn't really get the point of vegetarian or vegan lifestyles and my kids got it but they were not 100% there yet. I decided to show them the films that made me want to change my eating habits completely in hopes that they would want to change as well.

This past Saturday I started them on Vegucated. This documentary follows 3 New Yorkers who went vegan for 6 weeks. During that time they were also educated about the meat industry and how cruel and inhumane the animals are treated. That alone was enough to open my sisters eyes and make my kids not ask for cow milk anymore.

I had been buying almond and coconut milk and they claimed to not like it. I went to Trader Joes and got soy and rice milk as well to see how they felt about those and I think they are happy with the Vanilla Almond and Coconut milk!! Yay!!

I also stocked up on tons of beans, fruits, and veggies for everyone to eat. I more so lean towards a high carb vegan/vegetarian lifestyle. One thing about this so far is that there are times where I cant control what the kids eat. My kids go to school and there are lunches provided. They also hang out with their friends who do not eat like we do at home. They can ask for salad at school or bring lunch from home, but I can not say that they are absolutely not eating what is being served. And often the salads have ham and cheese of top.

Although, I would love for them to be completely vegan all the way around, I am not militant about it. The other day my daughter went to a birthday party where they had pepperoni pizza and wings, and sausage and eggs for breakfast. I made sure she went there with a watermelon, strawberries, grape juice, whatever she wanted to take, just so she could have the healthy options. I am sure she ate the pizza as well as everything she brought along.

I find that kids are very open to things like this and if they say they don't like veggies then they are eating the wrong ones! Its all about preparation. I find that most veggies taste better if they are cooked just until al dente OR NOT AT ALL. You don't want mushy broccoli! Your kid wont eat it! But if its cooked just right with the right amount of seasoning, they will love it!!

I do not buy any meat at all and I will not be buying anymore milk or cheese either. I do need to find good brands of fake cheese and yogurt though... I just love it too much to completely let it go.

My kids love veggies because they have been exposed to them since birth. If you assume your kid doesn't like veggies and therefore do not give them on a regular basis or only give them in very small portions then how do you expect for you kid to like them??

I have always cooked with meat being a small part of the meal. It was actually quite easy to get rid of it completely! Why do meals have to be centered around meat??

I have successfully been eating vegan  off and on for a while now and have been consistent for a few weeks! I might have had cheese once a week or 2 ago. I am not 100% if I will ever be completely all around vegan, but I will try to get as close as I can.

Chobani, chocolate, and my leather/suede shoes are not out the door just yet. Although I will probably not be buying anymore leather or suede I am definitely not getting rid of anything that I already own. Not yet anyway...(Read: Expensive!)

The Chobani I have cut down on how often I buy it, but I cant say how I will feel next time I walk past it in the store. :)

Best wishes to all the vegetarians, vegans, and wannabe vegans out there!!

Thursday, May 26, 2016

Container Garden 2016 - Seedlings and things

I am starting my container garden on time this year!! Even though I do wish I would have started even earlier, I have lots growing in my sun room right now!! Take a look...

Last year I was much better at keeping track of what I grew. This year I figured what the hell... Just plant it and see what happens!! 

The only thing about this approach that may be a concern is the plants needs for certain things. But I figure I could just re-pot them as they get bigger.

This last video was recorded May 22nd.

I started a ton of tomatoes and peppers this year!! I am not sure what I am going to do with them all as of yet. I do not want to grow anything in the backyard because they will not get much sun back there. I have trees and the house blocking the sun for majority of the day. 

The front yard gets sun from noon till about 8-9pm everyday, so I think that is much more sufficient. The front is where I grew all my pots last year and my flowers. I planted Tulip and Daffodil bulbs last year and nothing has come up yet. My Cosmo seeds were eaten by all the birds last year so I will be surprised if they come back on their own.

I am thinking of going ahead and planting out my tomatoes, cucumbers, and peppers in the front yard! Once they reach a certain size, of course. I will have to ammend the soil a lot because what is there is absolute trash! I have this huge ugly bush next to my porch that I would really love to chop down! I think it would look great with that gone and sunflowers and tomatoes in its place!

Sounds like a plan to me!

Meanwhile I will continue to grow everything that I have in the sun room and probably may have to get some CFL bulbs to supplement any that may not be getting enough light.

Tuesday, May 24, 2016

Beginning Credit Repair - How I jumped +100pts in 3 months!!

My credit profile is frankly less than stellar. I have actually never had a credit card and after an identity theft incident, student loans, and my own neglect my credit score was in the toilet!!

I just started rebuilding in Jan of this year. (2016) My scores started in the low 500s for all 3 bureaus. I was around 515-530. My goal is to reach 700 by the end of the year and 750 by the end of next!

I have a bunch of student loans which I unfortunately defaulted on to the point I started getting my wages garnished. I had been unaware that my loans were being held by multiple creditors, among other things. I thought I had previously taken care of it but the creditor who held a large sum of my loans snuck up on me!
The garnishment was very substantial!! 15% of my income. As a single mother with 3 kids, this was just not acceptable.

I decided to consolidate my loans because of the garnishment. Consolidating is the fastest way to stop your wages from being garnished. The other option was to enroll in a forgiveness program in which I paid them on a monthly basis and after 5 payments the garnishment would be lifted. After a few more months depending on which plan you sign up for the late payments are removed from your credit report.

Other than that I had 1 judgement for other tuition costs, 1 recent late payment, and 1 collection reporting. The only negative item that shows on all 3 bureau is the judgment. I am currently working to get this removed as I was not notified of this at all. 

The late payment was from a utility company who reports your account every single time you are late! I paid them for 2 months and the account was removed completely. This gave me a significant boost in my scores! +55pts!

The consolidation helped my scores a little but I would have preferred to do the forgiveness program to have all the late payments removed, but alas... +30pts

I then decided to start with a secured card that doesn't do a credit check and went with the OpenSky. Starting balance $200. I used that for a few weeks until I got the itch for a new card.

I went ahead an applied for the Capitol One Secured and was approved with a $50 deposit! Starting balance $200. The next day I applied for the Discover It Secured and was approved for that as well with a $200 balance!

I checked my scores on Credit Karma not too long after this and they showed that I had a very good chance to be approved for the platinum and the quicksilver1. I was skeptical so I did a pre-approval on their site which this time it actually showed that I was approved for the platinum!!

I went ahead and applied and they approved me for a $2,000 limit! Huge difference I must say!!

The next day I applied for the QuickSilver One and was approved for $2,000 as well!! If you ever apply for one of these cards and are approved, apply for the other right away so you don't get hit with 2 triple pulls. I was afraid to push my luck since the limit was a huge jump compared to what I already have and compared to what other people are given when they first start building,

I consolidated my student loans in January, applied for the 3 secured cards in February, and in March I applied for the 2 unsecured Capital One cards.

  • Student Loan Consolidation - Removed current Student loan accounts with recent late payments and created new account with positive history so far. Old late payments from closed loans are still showing but due to the fact that those late payments are 6-7 years old the effect is much less substantial to my score.
  • Opened 1st Secured Card - This I believe opened the door for me to get other cards. I did get a score boost when this posted along with my 1st few payments.
  • Opened 2nd & 3rd Secured Cards
  • Paid Utility on time for 2 months - Doing this removed the account along with the late payment completely. If they are not willing to do this on their own you can try sending a good will letter.
  • Opened up 2 Capitol One cards - The higher limits on these cards definitely help with utilization! They will also help me get better starting limits when applying for other cards in the future.

Whats left to remove from account:
  • Collection Account 
  • Judgment
  • Attempt to have lates from student loans removed with Goodwill letters.
Right now I am working to have the judgment removed from my credit report. The collection I have not decided what I want to do with as of yet. It is from 2010 I believe so I don't have much longer before it ages off. I could also do a pay for delete, but I would not offer them much more than 10% of what is owed.

Not too long ago I knew nothing about credit and I would have never imagined jumping over 100pts in just a few short months! I would love to see how high it jumps once that damn judgment and collection removed!!

Starting Scores 1/16 low 500s All 3
3/16 Credit Karma Transunion: 601, Credit Karma Equifax: 551, Experian: 548

4/16 Credit Karma Transunion: 604, Credit Karma Equifax: 606, Experian: 604
5/3/16 Credit Karma Transunion: 635, Credit Karma Equifax: 638

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