Friday Funk

I am unmotivated to be at work today. The only reason I showed up at all is they pay me to do so. So sad.
So I have been looking for articles about paying down debt. Then I realized I can read about it all I want to but I still have to DO it. I even ran across someone who was whining about getting started. The thing is if you whine about it you will never start. Just DO it. Get started. Begin today. Don't buy the cup of coffee you want and send the credit card company the $5 instead. Then you have accomplished something to be proud of.

I am at almost 30% and yet I realize that means another two years minimum to go. It feels good to make progress don't misunderstand. I need to know I am moving forward and I check my NCN Chart to keep me in line. I even print it out for my desk to keep me from buying too many cross stitch projects. because it is more important to me to be out of debt then to have another project waiting for me to accomplish. It is a far greater accomplishment to be out of debt. And I choose every day to take any action I can to that end. But. I still realize it is three years of discipline. three! and with baby maybe longer. Yet what else can I do???

DH has been awesome. He has picked up so much slack I am stunned about how my grocery bill has dropped. I am staying within my budget for the first time in October in 10 years. that in and of itself is a reflection of the Major change of idea sets I have under gone. I am proud of all I am doing. I am proud that I have paid off 11K in CC debt. Worthless interest that I have done nothing but accrue. I even know that all the balances on my cards are not from actual purchases. The 28K left is all interest. Let THAT be a warning to you kids... Don't fall into the trap of I need it now. I can pay for it tomorrow.