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Dependancy And Credit Reports

As of July 1st, there will be something in my life that is going to happen that has never happened to me before.

I will be covered on someone else's health insurance.

I know, it seems like such a strange thing to think about, but ever since I've been an adult who has been able to work and been out of college, I have always been on my own plan. Even at my last job, the kids and Jason were on my plan. Well, that will be changing and it is kind of weird for me.


Have you ever had moment's where you just see your life change? This is one for me. I know - I've been married for 15 months, why is it weird now to be dependant on my husband for something like this? I guess it is just because I have always worked, always taken care of myself. But now, I am depending on someone else to take care of that part of my life.

As I go through this process of purchasing a home and fixing financial things and paying things off and setting us up for financial success, I just see us getting one step closer to a life we really want and while it is exciting, it is also a bit nerve wracking. After all of these things are said and done, I might actually be able to have a job or a life that I really WANT - one where there is a happy balance between working and spending time with my daughter. There is a part of me that wants to stay at home with her but another part that wants to keep working. I have never had the option of working part time, but hopefully, after everything, I can have that option. Nothing that is super stressful, just something to get me out of the house and use my brain in a different way, but something I can work other schedules around. I want to be available if my daughter has school activities or field trips, if we just want to spend a weekday together at some point, to go eat lunch with her at school, or to pick her up from school. I want to spend more than 3 hours of waking time a day with her. But I also, for her sake, want her to be around other kids some during the week, to get used to going to school or taking direction from other adults.

In other news - did you know that a library book can go to collections and on to your credit report? Well, I am here to tell you, people. It can. And it did. I found this lovely addition to my credit report the other week while pulling my credit. I was like, what the...??? That is the kind of dumb stuff I found on my credit. A $74 bill here, a bunch of things that have been paid but not shown as paid. It's all just translating into time I have to spend calling and writing letters to get things removed. It is a pain. If you haven't in a while, please pull your credit. I never would have known these things were even on there. Oh, and another thing, why is it that everyone tells you NOT to get into credit card debt, credit cards are the devil, etc, but now, because my car is paid off and I will need recent payment history in 6 months when the time comes to get approved for a mortgage, I have to get a credit card? It's dumb. It's really really dumb. Well, Mastercard, get ready for your $1 a month interest baby!!

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