Well, what have I LEARNED during this process of trying to get out of debt? Here are 10 things:
- Planning is crucial. I needed a well conceived, laid-out strategy for success.
- 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.
- Money must be ACTIVELY managed. There were a few weeks where I was lax about my financial responsibilities, and I really lost ground.
- It was wonderful that my spouse and I were on the same page.
- 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.
- Owning three, paid-for, nice automobiles feels awesome.
- I used to buy a ton of things that I didn’t really need.
- Budgeting was easy once I got started. STAYING on budget was much harder.
- Diets stinks.
- 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.
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.
I am not kidding.
I really, really want to be out of debt. So come on.
(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.)
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
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.
||Paid So Far
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.