So, about a year ago I bought Dave Ramseys book "Total Money Makeover" http://www.daveramsey.com/ We have been kinda on and off with following what he says to get debt paid off...He has "baby steps" that you follow to get where you want to be financially. We are currently on Baby Step #2- Snowball your debt. The way it looks right now, we will be debt free, excluding our house in about 3 years! Now I just need to get down with the Gazelle Intensity and get it done.
The only times I get to listen to him is in the car between 3-6. Unfortunatley the only time I am in the car at that time is returning home from a shopping trip of some kind or another. He is so motivating. I am driving in my car thinking about how I am not going to spend ANY more money at all, unless it's on groceries or necessities. Then I realize that I just spent $20 on Reed diffusers at Pier1 (B--I know you are reading this, don't worry it was my "allowance"!)
But of course I don't make a U-Turn and return it, do I? Nope. I say "OK, I will start tomorrow..." This is the same thing I say about exercising and eating healthy. There is a pattern here and it has got to STOP!
Hopefully by posting this here, it will keep me in check because now someone other than B and I know about it.
I need to realize every $5 I save on my Caramel Macchiato is $5 that goes towards a credit card payment and just maybe we can get it paid off sooner. The deal is, the next baby can't arrive until we pay it all off. I better get moving if I want to have another one before Jocelyn is in college!
OK enough rambling...I am off to see where I can save some money
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