Tuesday, July 31, 2007
$125 to CC
One more payment to the credit card!! Can't wait to knock that sucker down to $0 and close that bad boy account!!
Tuesday, July 24, 2007
$250 to CC
Payday is here, and I'm making another payment to the not-so-good old credit card. That sucker WILL be paid off before Christmas!!
Wednesday, July 11, 2007
Inspiration & A Little Kick in the Pants :-)
I've known this to be true with something such as weight loss...that having a network of supportive women friends can do wonders for your success (having people by your side who are going through the same struggle as you, there to cheer each other on toward the finish line).
QUESTION: Why hadn't I sought the support and encouragement of my own friends when I set the goal to get on a solid financial path?
ANSWER: Embarrassment. We don't talk about our money. We don't even tell ourselves the honest truth about our own financial situation. We live in a time when it would be odd to pass up an invitation to go shopping (like I need more clothes!), see a movie (at today's prices?!), eat at a restaurant (What? There's no food in my fridge?!) etc. etc. to save money. Who needs that when you can just charge it? Well, that's a load of crap!!!
We NEED to support each other in making wise money choices. We are the richest country in the world (i think, or at least well enough off that NONE of us should be stressed about money, but we are)!!! The same way we stress about our weight but don't put down the donut and do something about it (experience talking here).
I just encourage anyone who might stumble upon my humble little site...take a real honest look at your financial situation. It's probably not going to be pretty (much like when I put that damned bathing suit on last month for the first time in I don't know how long, but I did it, and now I'm on a diet.) What do you see when you look in your financial mirror? Is there any money actually there? Do you own your car (and if you're making payments, the answer is NO)? Do you OWE money to 1 or more credit cards? Department store cards? Student Loan institutions? Home Improvement stores? ETC. ETC? Do you owe money, period?
If your paycheck was gone tomorrow, how many months, weeks, days, hours, could you go before crisis ensued? That's the REALLY SCARY thought. Putting your head in the sand will not change your situation. Feeling bad and obsessing over all those purchases you can't even remember making isn't going to change your situation. So, stop worrying about what you're going to find if you face the truth, and just face it.
You'll feel so much better when you do, I promise. I go to bed every night in peace because I finally stopped WORRYING and started DOING. (You can't change yesterday. But, you can learn from it.)
God bless.
QUESTION: Why hadn't I sought the support and encouragement of my own friends when I set the goal to get on a solid financial path?
ANSWER: Embarrassment. We don't talk about our money. We don't even tell ourselves the honest truth about our own financial situation. We live in a time when it would be odd to pass up an invitation to go shopping (like I need more clothes!), see a movie (at today's prices?!), eat at a restaurant (What? There's no food in my fridge?!) etc. etc. to save money. Who needs that when you can just charge it? Well, that's a load of crap!!!
We NEED to support each other in making wise money choices. We are the richest country in the world (i think, or at least well enough off that NONE of us should be stressed about money, but we are)!!! The same way we stress about our weight but don't put down the donut and do something about it (experience talking here).
I just encourage anyone who might stumble upon my humble little site...take a real honest look at your financial situation. It's probably not going to be pretty (much like when I put that damned bathing suit on last month for the first time in I don't know how long, but I did it, and now I'm on a diet.) What do you see when you look in your financial mirror? Is there any money actually there? Do you own your car (and if you're making payments, the answer is NO)? Do you OWE money to 1 or more credit cards? Department store cards? Student Loan institutions? Home Improvement stores? ETC. ETC? Do you owe money, period?
If your paycheck was gone tomorrow, how many months, weeks, days, hours, could you go before crisis ensued? That's the REALLY SCARY thought. Putting your head in the sand will not change your situation. Feeling bad and obsessing over all those purchases you can't even remember making isn't going to change your situation. So, stop worrying about what you're going to find if you face the truth, and just face it.
You'll feel so much better when you do, I promise. I go to bed every night in peace because I finally stopped WORRYING and started DOING. (You can't change yesterday. But, you can learn from it.)
God bless.
Thursday, July 5, 2007
$170 to CC
WooHoo! Payday! I'm off to the bank to put $170 toward the card!! I never thought I'd say this, but I wish I could lose weight as fast as I can drop debt. HEE.
Tuesday, July 3, 2007
CURRENT JOBS...Updated
The jobs I am currently working are:
1. Test proctor (Approx. $1000 per month)
2. Math Tutor ($160 per month)
I quit the magazine delivering when I got the test proctor job. I couldn't fit them both in my schedule, and the proctor job paid more per hour and didn't add miles to my car. :-)
1. Test proctor (Approx. $1000 per month)
2. Math Tutor ($160 per month)
I quit the magazine delivering when I got the test proctor job. I couldn't fit them both in my schedule, and the proctor job paid more per hour and didn't add miles to my car. :-)
Saturday, June 30, 2007
Typical!
Hah! This is just typical.
Well, I thought and thought, and although I wasn't ready to cancel the entire cell phone account, I did decide to drop my husband's "add a line" that we pay an extra $10 a month for (which he never uses and rarely even turns on.)
The next day, my car broke down. At first I thought, "Well, that's just great!" But, you know what? It all worked out. And, if I had actually cancelled both phones, it would have worked out. I wouldn't still be standing on the side of the road waiting for help. I would have found someone, used a pay phone, or walked to the Burger King and asked to use the phone.
So, the lesson is this... there are only really 3 things you NEED in life: air, food, and shelter.
Everything else is negotiable.
Well, I thought and thought, and although I wasn't ready to cancel the entire cell phone account, I did decide to drop my husband's "add a line" that we pay an extra $10 a month for (which he never uses and rarely even turns on.)
The next day, my car broke down. At first I thought, "Well, that's just great!" But, you know what? It all worked out. And, if I had actually cancelled both phones, it would have worked out. I wouldn't still be standing on the side of the road waiting for help. I would have found someone, used a pay phone, or walked to the Burger King and asked to use the phone.
So, the lesson is this... there are only really 3 things you NEED in life: air, food, and shelter.
Everything else is negotiable.
Tuesday, June 19, 2007
Cell Phones
Why do I pay $60 a month for a cell phone? I know...in case of emergencies, I have kids, it's a convenience, who doesn't have a cell phone?
Well, for the sake of emergencies, can't I have a 'prepaid phone' that I can use to dial 911?
The kids can't talk to me on the cell, and the only reason to use my kids as the excuse would be in the event there's a kid emergency, so the prepaid phone that could dial 911 (or my husband) should take care of that.
Convenience? Not really. HAVING that phone on me just means that I'm more inclined to ignore the people and events going on right next to me in order to call and talk to someone who will likely ignore the people and events going on around her just so we can talk about things that may or may not matter.
I haven't fully committed to the idea of getting rid of my phone plan, but I'm looking into it. Seriously, if I look back at the list of calls from my last cell bill, I am sure I won't find one single time or call that was SO necessary that it justifies a $60 bill.
I think if I look hard enough, I will find a marketing ploy that has successfully convinced me I 'need' to pay $60 a month to have a cell phone. (kind of like that great marketing ploy that told me 'these days you just have to have a car payment.')
Well, for the sake of emergencies, can't I have a 'prepaid phone' that I can use to dial 911?
The kids can't talk to me on the cell, and the only reason to use my kids as the excuse would be in the event there's a kid emergency, so the prepaid phone that could dial 911 (or my husband) should take care of that.
Convenience? Not really. HAVING that phone on me just means that I'm more inclined to ignore the people and events going on right next to me in order to call and talk to someone who will likely ignore the people and events going on around her just so we can talk about things that may or may not matter.
I haven't fully committed to the idea of getting rid of my phone plan, but I'm looking into it. Seriously, if I look back at the list of calls from my last cell bill, I am sure I won't find one single time or call that was SO necessary that it justifies a $60 bill.
I think if I look hard enough, I will find a marketing ploy that has successfully convinced me I 'need' to pay $60 a month to have a cell phone. (kind of like that great marketing ploy that told me 'these days you just have to have a car payment.')
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