Today is the first pay check of the new year. I waited with anticipation to see the results of my choices. I had done a lot of math but with changes to social security happening I was not sure how all the numbers would net out. I am going to "save" by switching health care and the change in SS tax $164.88 per month. Yep feels like a raise to me. Now I need to be careful about what is true savings and what will be out of pocket deductibles. There will be an increase in our out of pocket costs, I am guessing. So we shall see what our options are and if I really save any money by having this health plan. I am hoping that I do. Over the course of the year it puts $1978.56 back into the kitty. Sadly though I know there are deductibles so.... I am not sure I will truly benefit in the end. Hopefully though there will be NO MORE SURGERIES this year. Two surgeries in one year is enough for anyone.
And for those of you who are checking my math yes this calculation is lower then I previously calculated in my estimated savings for the different health care plans. I increased my HSA account from 500 to 750 as a result of knowing that we would probably have more out of pocket costs. That is taken out of each check pre-tax. I also increased the dental plan to include the 2 year old. We are going to get him the the dentist at some point this year. Perhaps closer to 3, cause he is a big baby this week.That stubborn son of mine would not open his mouth if he was asked. So maybe in the summer. ;-)
In the mean time I don't want to fritter away the increase in cash flow. $82.44 per check is helpful. I have two problems this month. #1 I dipped into my cash reserve for my checking account. So I think the first $82.44 will have to go towards maintaining the $1000 minimum balance I try to keep in my checking account. The balance did get down to $876.44 so I will be paying the stupid tax on the checking account this month. $14.00 fee coming my way. Sigh...Issue #2 is I had to dip into the savings I had. So my balance is currently: $1644.86 instead of the $2000 where I like to maintain it.
I have an automatic transfer of $105 From checking to savings. It will take 4 more "payment" transfers before the balance goes above 2k again. That means I will have paid myself back by March 15th.
Now to be sure the first thousand is for a real emergency. The second thousand is for known expenses that I like to avoid. Car insurance being top of that list. Some time ago I divided Car insurance and I think DD contact lenses to determine I needed to save more. So far the automatic savings has worked very well for me. I never feel that OMG feeling in the pit of my stomach that I have forgotten something. And although I do like to pay the car insurance with the tax return I dip into that top thousand of savings when it rolls around if I need to like in Oct. when there is no tax refund to cash in on.
OK so the math:
I am short $356.00
$105 * 4 = $420.00 // current payment pays back the deficit with $20.00 left over to go to debt at the end.
$165 * 3 = $495.00 // paid back in 3 transfers plus So I would be done by 2/28 AND it leaves me with $95 in the beginning of March to go to debt.
This is of course understanding that Murphy did not come to visit my house - which you know he LOVES me. Who am I kidding. I none the less hope for a quiet few winter months. In the past it typically is in the fall where I fall apart so here is to hoping...
The other option is to put in an automatic transfer directly to the credit card
I am leaning towards the automatic transfer. Its cleaner. I am already doing it, so the bite wont be too bad. And well I like savings in my pocket instead of those bloody debtors.
Of course I am paying interest for that privilege so there is the argument for the other side. paying off the debt faster pays me faster.
I think its the fact Murphy in the form of a snow storm or a DD need will win the case in the end. I am going to do the cash thing. I need a 2k Emerg fund and that is that. Once the savings account is paid back then I can begin to hit the debt harder. And if we use the tax return on the car insurance.... Ahh I can continue till October on the $ I have and stay focused on the debt. Lets hope I actually get a raise this year too. I think we'll know in June. If its a whopping $2.56 again so be it. LOL More reason to study programming in my spare time.
Oh and for those of you that noticed I slipped the extra $20 into my purse - Yep I always seem to feel short on pay day. Maybe that $22.44 will help me stay in balance and I can avoid dipping into savings.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Showing posts with label savings. Show all posts
Showing posts with label savings. Show all posts
Friday, January 14, 2011
Monday, June 21, 2010
good news bad news
The good news is I got a raise. The bad news its $15.00 per week. I am not belittling the amount. Every single bit will make a difference. The panic I am feeling lately about minimum payments is important enough to re-evaluate how the money is allocated.
Last month when I got the news about my raise I had decided to add the $30 bi monthly amount to my automatic savings. Currently I have an automatic transfer to my savings account that takes place twice a month for $105. I think I came up with that amount based on auto insurance costs and contact lenses costs for my daughter. I realized I was not putting any money aside for known expenses. this is a foolish practice and I added the automatic payments to compensate.
In the past few months that ole Murphy he has come to visit in waves. There have been a ton of expenses that I was not prepared to pay for. I have depleted my "emergency" or back up fund quite a bit. Currently it stands at $1384.24. Which means I need to allow it to build back up to the $2000.00 level. I think I can make it by October which is when the auto insurance will be due. and of course our newest dd. 210*3= $630 puts us just over $2014. Now If I increase the amount of the automatic deposit to include my raise I will be able to "add up some snow flaking" and any funds paid over the 2k amount I can then send to pay off one credit card. Impressively the difference in 3 months is 270 *3 or $810 That's $194 to pay down debt. Nice. Lets do that!
I could pay the $30.00 directly to debt but I think at this point its really important for me to be in the habit of paying myself just like a bill. Once that emergency fund is fully funded I can put anything extra towards debt. But If I cant keep that 2000 in the savings account I may never be ready to purchase a house. So I want to practice good sound finances and keep it moving forward.
One other side note. I should get about $300 for some expenses at work paid back to me. All of that will be going to CC#3. Its current balance is 2622.54 and I made a payment in June of $465 so that card is moving in the right direction (2157.54). I want to get down from 5 cards to 4 so that the minimum payments is a bit more manageable. The PLUS loans will start to kick in and I will need to put more of my available cash to them and less to credit card debt. It just cant be helped. My dd is the most important thing.
As a result of the latest ex-husband financial entanglement it will be really important to get out finances in order for the next three months. I keep telling myself one day at a time but Phew.... I am tired of Murphy. Can someone kick him off my porch?
I notice my side bar needs to be updated. That will keep. Its not really good news and it moves in the wrong direction so I did not want to make the changes :-( But I will to keep it on the straight and narrow. The money facts are just that facts and I can face it.
Last month when I got the news about my raise I had decided to add the $30 bi monthly amount to my automatic savings. Currently I have an automatic transfer to my savings account that takes place twice a month for $105. I think I came up with that amount based on auto insurance costs and contact lenses costs for my daughter. I realized I was not putting any money aside for known expenses. this is a foolish practice and I added the automatic payments to compensate.
In the past few months that ole Murphy he has come to visit in waves. There have been a ton of expenses that I was not prepared to pay for. I have depleted my "emergency" or back up fund quite a bit. Currently it stands at $1384.24. Which means I need to allow it to build back up to the $2000.00 level. I think I can make it by October which is when the auto insurance will be due. and of course our newest dd. 210*3= $630 puts us just over $2014. Now If I increase the amount of the automatic deposit to include my raise I will be able to "add up some snow flaking" and any funds paid over the 2k amount I can then send to pay off one credit card. Impressively the difference in 3 months is 270 *3 or $810 That's $194 to pay down debt. Nice. Lets do that!
I could pay the $30.00 directly to debt but I think at this point its really important for me to be in the habit of paying myself just like a bill. Once that emergency fund is fully funded I can put anything extra towards debt. But If I cant keep that 2000 in the savings account I may never be ready to purchase a house. So I want to practice good sound finances and keep it moving forward.
One other side note. I should get about $300 for some expenses at work paid back to me. All of that will be going to CC#3. Its current balance is 2622.54 and I made a payment in June of $465 so that card is moving in the right direction (2157.54). I want to get down from 5 cards to 4 so that the minimum payments is a bit more manageable. The PLUS loans will start to kick in and I will need to put more of my available cash to them and less to credit card debt. It just cant be helped. My dd is the most important thing.
As a result of the latest ex-husband financial entanglement it will be really important to get out finances in order for the next three months. I keep telling myself one day at a time but Phew.... I am tired of Murphy. Can someone kick him off my porch?
I notice my side bar needs to be updated. That will keep. Its not really good news and it moves in the wrong direction so I did not want to make the changes :-( But I will to keep it on the straight and narrow. The money facts are just that facts and I can face it.
Sunday, March 16, 2008
Feb Budget
I am still trying to get a handle on what we can really afford. Keeping the eating out low and the extras to a minimum makes a BIG BIG difference in our budget. Last month (February) I had an additional $341.00 left over. Now, I would put that towards debt but I also have Car insurance coming at the end of this month. I have to take care of the immediate and necessary first. With a new driver in the house it makes a world of difference to be able to know we would be sort of covered in case something happened. I have also noticed that my fiancée has been buying more groceries. That seems to make a big difference in what I am spending and what we are able to do. I also think it helped that Feb was so short. And my daughter was sick quite a bit I did not spend as much on lunches as I usually do. That should teach me to bring my lunch to work!
So there it is I actually sat down and did calculate all our spending. I have updated the budget spreadsheet and I am working on where the money really goes. It is a huge step forward in my financial maturity. I am acting like a grown up not a kid. Sigh… It’s about time.
Monday, January 28, 2008
Side Bar Updates
Today I paid $3000.00 to Debt!!! I rc'd a gift from my grandmother passing away and I am using it to pay off my credit cards. I really want to purchase my own home and I always believed that I would use any money from her to put a down payment on a home. It makes me a little sad and angry to have to pay off debt first. Let that be a lesson to you kids Dont get into debt! It takes Way too long to get out. I also increased my emerg savings to $948.00. It really calls to light that I want to be out of debt. My fiancee keeps talking about wanting new furniture. I asked him to wait a while. I want to pay down more debt first. He agreed. He also wants to wait until we move so we dont have to move furniture twice. I am sad about moving again. I really dont want to but after running the numbers today I know its going to be necessary to move and to get a second job. Sigh. Progress is slow when you are in way over your head.
I have also moved some debt around so that my payments are again under $1000.00. That allows me to put $34.00 towards the principal. Its small but its a start. I am really focused on paying off card #1. If there is ANY money leftover in Jan I will be putting the money towards that #1 card. Plus when I get my tax return from 2006 back I will also apply that $ 1200 to debt. Plus if the government does the refund I should get $900.00 and I will apply that to the debt. So all told I will have paid down $5100 on this card leaving a balance of 7008. Then there will be this years tax return which will be another $1000.00. Once I get rid of this card the snowball will begin to be effective and I will make much much more progress towards the balances. I dont want to borrow trouble though by ticking off things I plan to do you never know what may pop up in the future. For now I am happy I have paid down $3000.00 of my debt. Yahoo!
I can do it. There is hope. I have begun to look for a second job. Any ideas about working out of the house? I can do accounting and bill keeping but have a certain worry about ads I have seen online. Is there real work from home? Just wondering.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
I have also moved some debt around so that my payments are again under $1000.00. That allows me to put $34.00 towards the principal. Its small but its a start. I am really focused on paying off card #1. If there is ANY money leftover in Jan I will be putting the money towards that #1 card. Plus when I get my tax return from 2006 back I will also apply that $ 1200 to debt. Plus if the government does the refund I should get $900.00 and I will apply that to the debt. So all told I will have paid down $5100 on this card leaving a balance of 7008. Then there will be this years tax return which will be another $1000.00. Once I get rid of this card the snowball will begin to be effective and I will make much much more progress towards the balances. I dont want to borrow trouble though by ticking off things I plan to do you never know what may pop up in the future. For now I am happy I have paid down $3000.00 of my debt. Yahoo!
I can do it. There is hope. I have begun to look for a second job. Any ideas about working out of the house? I can do accounting and bill keeping but have a certain worry about ads I have seen online. Is there real work from home? Just wondering.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Time spent vs cost
Today I had a number of errands to do. I did not want to drive all the way to an office super store to send a fax. I tried the Drug store - no luck. I tried the post office - no luck. I then found a mail packaging store hidden in between a McDonalds and a HairCuttery. Score! It saved me 20 minutes and cost $ 5.00 to send the fax. I am sure it would have cost less to go to the office store... What is the cost of productivity? I would have lost 40 minutes round trip For my salary that would be more then $ 13.50. So Even though I paid more to purchase fax services I saved about $ 8.50 in time. Sometimes there are costs for doing things the long way & the cheep way. Now I have more time to spend on my job and working on the in box on my desk... Totally worth it.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Monday, January 07, 2008
Happy Customer Service
I do want to tell you that over the holidays I bought something from www.JCP.com I experienced a little frustration because I forgot to click the right link for the free shipping. So I called the 1-800 number. Customer Service told be I had called too soon. I needed to wait my order was not showing in the system yet please call back later. A day later I called again. The girl was helpful but could not really credit the shipping. I forget the excuse. With all the different things I had going on I forgot to call again. I looked at my credit card statement and $24.57 has been credited to my account and Shipping was indeed free. Thank you JC Penney. I was not looking forward to trying and get that straightened out and now I don't have to!
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Monday, December 17, 2007
The Emergency fund saved college dreams
$500 for college from savings,How the emerg fund saved her college dreams
I posted earlier about spending the money in my emergency account before the tax refund comes in. Then, I listened to the Dave Ramsey show. He stated how foolish that idea was. Even if you know you can pay back the emerg fund it is foolish to take money out of there for the Holidays. The fund is for an event that is unexpected. Emerg fund is for surprises not Christmas. Hmmm, okay, I will accept he makes sense even if I don't buy it... I will not take any money out. Over this weekend I am SO glad I did not take money out of there for gifts. I have TWO reasons
1) On Friday we were out at a school function and the Check engine light came on in my car. I was highly stressed nut I knew I had back up in my savings account and it would be okay. My fiancee took the car to auto zone and looked at the codes. He determined thankfully the car is okay and the light may have come on due to the rapid change in the weather. It was resolved to "Keep an eye" on it but the car could be driven. BIG SIGH of relief! No money out of pocket but boy was it wise to have not spent it on gifts.
2) On Saturday my daughter was accepted to college! They needed a check for $500.00 to confirm her reservation in the class of 2012. Total relief. I was able to pay for the deposit with cash. No credit card fees needed. So my refund will be re-allocated. When I get it I will replace the $500.00 from the emerg fund. Just to be clear, It was important to have your room reservation in as early as you possibly can. I could have waited for the refund to come in and then paid the deposit but she would be MUCH lower on the housing cue and it was important to her, and so to me, to have as much of our first choice for housing as we possibly could. I will put $700.00 towards Christmas gifts and I will pay $500.00 to paying off debt. It is less to paying off my debt, however I save big time by not increasing my deb load. The emerg fund has saved my daughters dreams. She is so excited! She sings as she goes from room to room it was totally worth it. If I had to I would spend it again and again to make her that happy.
As an aside we also had a teachable moment. I was able to have a quick conversation about the value of money and the idea that if you take care of your money it will take care of you. Its good to plant debt & financial wisdom seeds now. I will have more conversations with her in the future. For today we talked about choices I make about spending money and the value of having an emergency fund. It was good for me to be able to plan that seed in her mind for the future.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
I posted earlier about spending the money in my emergency account before the tax refund comes in. Then, I listened to the Dave Ramsey show. He stated how foolish that idea was. Even if you know you can pay back the emerg fund it is foolish to take money out of there for the Holidays. The fund is for an event that is unexpected. Emerg fund is for surprises not Christmas. Hmmm, okay, I will accept he makes sense even if I don't buy it... I will not take any money out. Over this weekend I am SO glad I did not take money out of there for gifts. I have TWO reasons
1) On Friday we were out at a school function and the Check engine light came on in my car. I was highly stressed nut I knew I had back up in my savings account and it would be okay. My fiancee took the car to auto zone and looked at the codes. He determined thankfully the car is okay and the light may have come on due to the rapid change in the weather. It was resolved to "Keep an eye" on it but the car could be driven. BIG SIGH of relief! No money out of pocket but boy was it wise to have not spent it on gifts.
2) On Saturday my daughter was accepted to college! They needed a check for $500.00 to confirm her reservation in the class of 2012. Total relief. I was able to pay for the deposit with cash. No credit card fees needed. So my refund will be re-allocated. When I get it I will replace the $500.00 from the emerg fund. Just to be clear, It was important to have your room reservation in as early as you possibly can. I could have waited for the refund to come in and then paid the deposit but she would be MUCH lower on the housing cue and it was important to her, and so to me, to have as much of our first choice for housing as we possibly could. I will put $700.00 towards Christmas gifts and I will pay $500.00 to paying off debt. It is less to paying off my debt, however I save big time by not increasing my deb load. The emerg fund has saved my daughters dreams. She is so excited! She sings as she goes from room to room it was totally worth it. If I had to I would spend it again and again to make her that happy.
As an aside we also had a teachable moment. I was able to have a quick conversation about the value of money and the idea that if you take care of your money it will take care of you. Its good to plant debt & financial wisdom seeds now. I will have more conversations with her in the future. For today we talked about choices I make about spending money and the value of having an emergency fund. It was good for me to be able to plan that seed in her mind for the future.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Pricing battles save money
Battling for the correct pricing...
Why is guarding your wealth so much work? How much does it cost us if you don't? Over the weekend I did a lot of Christmas Shopping. One of the things I had promised to follow up on was to complete my daughters gift from last year and get her the matching pieces to a suitcase we bought this summer. There was some confusion when I made the purchase for her about the right sizes. I was thinking she needed two large suitcases But my fiancee felt she needed the set of graduated bags. He of course was right(as usual). She will need an occasional weekend bag for traveling and not always the super huge size. Well... So The suitcases were on sale. It was a very good price. Not really for Christmas but at the right time to buy. So I went ahead to this store's online web site and made a purchase. BUT I forgot to enter the online purchase code. So I called Customer service to let them know. I had called to soon. They could not see my order yet. Okay, I'll call back later. Today I called again. Now my order has shipped. The lady on the phone said she put the info in on my account but I don't have confidence that she was telling the truth. So I will have to follow up this afternoon and call again to verify the shipping charges were credited. $30.00 is not a lot of money but its MY money.
I also saved myself $129.99 last Monday. Sometimes I forget that there is satisfaction in what you don't spend. I was charged for privacy protection on one of my credit cards. Seeing a charge on a card which had $ 0.00 balance at first caused me to feel waves of panic. I had paid for this service before. I thought it would be worse to pay for it then to fight it. (Before I started reading pf blogs I would have paid the charges and hoped to close the account. Now I know better.) Man was it hard to break out the sword and shield. I hate confrontation. But I did it. I called the credit card company... the wait for customer service is 10 minutes. ...UGH... Wonderful daughter bring me your cell phone. I called the privacy guard phone number. (While on hold with the credit card company)
I don't want this service please.
But all the wonderful benefits. Blah blah blah
No I don't want this service please.
But we have so much to offer.. blah blah blah
I do not want your service thank you.
Okay the cancellation number is xxxxx
All the while I am STILL on hold with the credit card bank. Now you see why I paid this card off first. 10 minutes to talk to a real live person! AGH. That and a 29% interest rate. so I have defended my money. I saved myself $129.99 in fees I did not want. All it took was two phone calls. Now please know that I do believe there is a good service to be had in privacy protection. I just cant afford that service right now while I dig myself out of debt. And $129.99 Really??? I don't think so.
I also saved $30.00 at the grocery store. seems like a lot right??? I think so too. There were a few items that were on sale that typically are not on sale. Couscous & stash tea. So I did spend over my weekly food budget by $35 but I think the savings helped to make it worth it. I love cous cous. and I saved $6.50 on that item alone.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Why is guarding your wealth so much work? How much does it cost us if you don't? Over the weekend I did a lot of Christmas Shopping. One of the things I had promised to follow up on was to complete my daughters gift from last year and get her the matching pieces to a suitcase we bought this summer. There was some confusion when I made the purchase for her about the right sizes. I was thinking she needed two large suitcases But my fiancee felt she needed the set of graduated bags. He of course was right(as usual). She will need an occasional weekend bag for traveling and not always the super huge size. Well... So The suitcases were on sale. It was a very good price. Not really for Christmas but at the right time to buy. So I went ahead to this store's online web site and made a purchase. BUT I forgot to enter the online purchase code. So I called Customer service to let them know. I had called to soon. They could not see my order yet. Okay, I'll call back later. Today I called again. Now my order has shipped. The lady on the phone said she put the info in on my account but I don't have confidence that she was telling the truth. So I will have to follow up this afternoon and call again to verify the shipping charges were credited. $30.00 is not a lot of money but its MY money.
I also saved myself $129.99 last Monday. Sometimes I forget that there is satisfaction in what you don't spend. I was charged for privacy protection on one of my credit cards. Seeing a charge on a card which had $ 0.00 balance at first caused me to feel waves of panic. I had paid for this service before. I thought it would be worse to pay for it then to fight it. (Before I started reading pf blogs I would have paid the charges and hoped to close the account. Now I know better.) Man was it hard to break out the sword and shield. I hate confrontation. But I did it. I called the credit card company... the wait for customer service is 10 minutes. ...UGH... Wonderful daughter bring me your cell phone. I called the privacy guard phone number. (While on hold with the credit card company)
I don't want this service please.
But all the wonderful benefits. Blah blah blah
No I don't want this service please.
But we have so much to offer.. blah blah blah
I do not want your service thank you.
Okay the cancellation number is xxxxx
All the while I am STILL on hold with the credit card bank. Now you see why I paid this card off first. 10 minutes to talk to a real live person! AGH. That and a 29% interest rate. so I have defended my money. I saved myself $129.99 in fees I did not want. All it took was two phone calls. Now please know that I do believe there is a good service to be had in privacy protection. I just cant afford that service right now while I dig myself out of debt. And $129.99 Really??? I don't think so.
I also saved $30.00 at the grocery store. seems like a lot right??? I think so too. There were a few items that were on sale that typically are not on sale. Couscous & stash tea. So I did spend over my weekly food budget by $35 but I think the savings helped to make it worth it. I love cous cous. and I saved $6.50 on that item alone.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Monday, July 16, 2007
Increase in Savings
I have over $700 in savings!!! I was able to increase my savings from 29% to 35% I am so excited!~ and proud. I have been feeling as though it is impossible for me to make any financial progress. But I did. I am starting to feel it. That is such good good news!!! I am looking forward to the day when I am looking for more stuff to pay off!!! like these guys have... I never thought I could do it! I get paid twice a month and on the middle of the month paycheck I am putting 10% into savings. I will have to take some $ out for car insurance when it comes due but as long as I put away one paycheck's 10% I will reach my goal in one year. A LOT faster then I ever thought possible! It seemed so unlikely that I would be able to save because I feel as though I have so many "demands" on my money. But the truth is it is not so hard. On the day after I get paid I just go online and transfer the funds over. Then I forget about savings and just work with my checking account. I am so excited. - and for all you vetrans out there yes I know this is the recommended way to go and actually I am setting aside less then I actually should bet these are MY baby steps and I am feeling the glow of accomplishment! I can feel the drive to save & be debt free!!!
You know people on diets often will say I will do anything to lose weight. and when someone says how about exercise 30 minutes a day 5 days a week the reply is except that. Thats how I feel about the progress I have made. Its like seeing those first five pounds come off the scale. PRIDE!
I also got rid of3 4 magazines today. I am a clutter bug and I felt that the clutter is holding me back. I looked at selling old archives of all my cross stitch magazines on eBay but in truth it is not worth it there are plenty of copies of these old issues out there and I don't need the pounds of paper anywhere near me when I move again next year. So I scanned in the patterns I wanted to keep and TOSSED the rest away!!!! Clean out the clutter! I want a pretty home office and I can see the vision!
I came across a new to me blog today, this blogger reinforced a principle that I agree with completely.... Visualizing! If you can see it you can do it! and I am going to be debt free!
The fact my daughter is going to college next year makes me realize how fast time goes by. I cant believe that it slips away so quickly. Why doesn't this work on debt? and then I thought but it does. In three years I plan to be credit card debt free. Just three years S will be a junior in college. I can do that. I just need a workable plan! I have already begun baby steps for the savings. Thats good and I cant believe it has not been more painful!
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
You know people on diets often will say I will do anything to lose weight. and when someone says how about exercise 30 minutes a day 5 days a week the reply is except that. Thats how I feel about the progress I have made. Its like seeing those first five pounds come off the scale. PRIDE!
I also got rid of
I came across a new to me blog today, this blogger reinforced a principle that I agree with completely.... Visualizing! If you can see it you can do it! and I am going to be debt free!
The fact my daughter is going to college next year makes me realize how fast time goes by. I cant believe that it slips away so quickly. Why doesn't this work on debt? and then I thought but it does. In three years I plan to be credit card debt free. Just three years S will be a junior in college. I can do that. I just need a workable plan! I have already begun baby steps for the savings. Thats good and I cant believe it has not been more painful!
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
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