Too Much Debt Thursday has come. I have faced up to the fact that I made some stupid purchases on my credit cards and was dumb to max them out so soon.
I have learned from my mistake and am now crawling out of the hole that I dug myself.
I no longer go to the salon and get my nails done.
I haven't dyed my hair in a few months, so that saved me $10.
I don't buy junk at the store, but real food that has to be cooked.
I don't go to the dollar store and browse.
I have tried real hard to control my spending habits and listen to advice given to me.
Dave Ramsey said it best when he said:You can read all the books and learn all about how to do it, but until you do, you're gonna get no where.
That isn't an exact quote but you get the jist of it.
I was reading every book the library had on credit repair, debt management, and how to save money when you have none, but nothing was happening. I was learning how but not following through.
Saving with Smarty Pig has made me feel that I can do it. I have gotten 55% of my goal on there now and it feels great. Watching my interest go up and up is a good feeling instead of focusing on bad interest that I wasn't paying back.
People say, it costs you more to save and not pay on your credit cards, but it makes me feel good to have something to fall back on, even if it is $250.
I will focus on paying $5 to every credit card I have today. Seven total bills of $5 is only $35 total. I can handle that. I will also pay off my water bill that is OUTRAGEOUS!!!!!!!
Majorly overdue is taking back the equipment that the cable company wants back. I need to take it to the other side of town.
We are thinking about having just regular cable coming out of the wall.
Right now, we don't need anything, but come February, we will need digital.
Off to make my payments!
P.S. Add three cents to my $20 challenge for money found on the ground. One at work, one outside my Mom's house, and one at the gas station as I was walking in to pay. Woo Hoo!
Thursday rears its ugly head
August 14th, 2008 at 03:01 pm
August 14th, 2008 at 03:27 pm 1218727672
August 14th, 2008 at 03:43 pm 1218728638
August 14th, 2008 at 11:36 pm 1218756986
August 20th, 2008 at 01:15 am 1219194924