Monthly Archives: September 2005

Lessons To Live By?

Well, what have I LEARNED during this process of trying to get out of debt? Here are 10 things:

  1. Planning is crucial. I needed a well conceived, laid-out strategy for success.
  2. Despite all of my planning; random and unforeseen things happened. I had to learn to be flexible, able to adjust, find a way to gather myself, and move forward.
  3. Money must be ACTIVELY managed. There were a few weeks where I was lax about my financial responsibilities, and I really lost ground.
  4. It was wonderful that my spouse and I were on the same page.
  5. Food, healthy or not, usually cost more than I planned. Diapers, formula, and fresh vegetables seemed to fluctuate in price more than any other items I shopped for.
  6. Owning three, paid-for, nice automobiles feels awesome.
  7. I used to buy a ton of things that I didn’t really need.
  8. Budgeting was easy once I got started. STAYING on budget was much harder.
  9. Diets stinks.
  10. His Word says, “He will be a lamp unto your feet and a light unto your path.” A lamp shows you the next step. A light shows you your destination. If I can see those two things: the next step I should take, and the destination I should head for, then I know that I am on the road to blessing, understanding, giving, and growing.
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10 Days Left

I have 10 days to magically find almost 4000 dollars. Hmmm, I DOUBT that is going to happen, but, if anyone out there would like to advertise on my blog, I am willing to listen to your offers. How about 1 years worth of prime blog space for 4000 bucks? How does that sound.

Seriously.

I am not kidding.

I really, really want to be out of debt. So come on.

Email me.

Now.

(Okay, so it probably won’t work. I’ve added some other ads to the old site, to generate at least a little bit of income…We shall see how they fare.)

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Find A Human

This is cool. This link goes to a site that will help you get in touch with a “real” person when calling cell companies, insurance companies, etc. Pretty cool.

Find A Human

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I Am An Idiot…YAY!

Okay, completely forget the last post. Somehow, I actually paid MORE towards my credit card debt last month than I originally figured. (I send in so many little payments, I forgot to add one to my spread-sheet.) So, I am actually a little closer to my goals than I originally thought. Here are the updated totals.

Account 04/16/05 Paid So Far 09/30/05
Auto 1 2656.33 2656.33 00.00
Auto 2 3255.23 3255.23 00.00
C Card 5598.66 1695.80 3902.86
Totals 11510.22 7607.36 3902.86

That’s over 66 percent of our debt gone since April 16. Yes!

Now, time to make our budget for this month. My wife received a raise of 2 percent this year, and that was reflected in her first paycheck. So, we need to adjust the budget numbers.

Side Note: If you have not read “Conspiracy of Fools”, I highly recommend it. It is the story of the rise and fall of Enron. Fascinating.

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