Tuesday, June 26, 2012

No spends days will be more than 50% this month...

I've been trying really hard to have fewer and fewer days each month where I'm spending money.  This month, I just hit the 15 days mark which is 50% of the month, but I know at least one more day that I will not spend, so I'll be over the 50% mark!  Yay!  I write down EVERY penny I spend in a little notebook and just the act of having to write it down helps keep me accountable, but I also love to see how many of those days show a big, fat ZERO spent.  It's the little things in life sometimes. 

Current debt:  $242,070.69

Tuesday, June 19, 2012

Goals for each month...

I've decided that I need to start challenging myself a little more and would like to start coming up with monthly goals that I'd like to achieve.  So, I'll start this new plan in July and follow it up until the end of the year. 

July goals:
*Walk at least 2 days a week for exercise
*Eat out no more than 3 times all month
*NOTHING charged on the credit card
*Sell $100 on eBay, money to go toward credit card reduction

We'll see how this goes, but I'm hoping it motivates me to get moving on some things that I'd like to achieve. 

Current debt:  $242,070.51  (hoping these challenges will reduce that!) 

Monday, June 18, 2012

Just checking in...

Not too much to report from the around here, but I guess that's a good thing.  That means I haven't been spending a bunch of money and dig my hole deeper and deeper.  I'm currently staying pretty steady where I'm at, but I'm not going further in debt, so I'm going to look at that as a positive for today.  This Friday is payday and I currently still have quite a bit of money in the checking account from last payday, so I haven't had to pull out the credit card at all! Woohoo!  Now, that might not seem like much to some of you, but for me that's big progress!  I have to go to the gas station tomorrow and I know it won't be cheap, it never is, but at least I know I have the money to pay for it now, so I won't have to use credit.  I'm taking a few more days off from work and really hoping these don't become big spending days like they were last month when I did the same thing.  I have a few things planned, but not a ton of stuff, so it should be relatively inexpensive.  The week after this one is looking to be really mellow and should involve very little spending!  Yay!  I will have to work a really long one day next week, but the overtime will be a nice addition to my regular paycheck, going to be nice to have some extra to add to the debt.  :)

So, like I said, not a whole lot going on here, just wanted to check in. 

Current debt:  $242,070.51

Wednesday, June 6, 2012

Long time since last post....is never a good thing...

Ugh!  It's been over a month since I've last posted and that is never a good thing.  Whenever I'm not posting often, it usually means my finances are in the toilet.  Seriously, who wants to tell the world when things aren't going great, I like to post about my successes, who doesn't?!   It's really not all that bad, but I've been making very little progress on my debt reduction and that is extremely frustrating!  I was off from work for a week over Memorial day weekend and any time away from work usually spells lots of SPENDING for me.  :(  I'm disappointed in myself for my lack of restraint while on vacation.  This wasn't really like a "vacation" anyway, more of a staycation and trying to use up vacation time before losing it, so there was really no excuse.  Oh, but the sales were SO great for the holiday weekend and I am now the proud? owner of a beautiful new sofa from Macys.  Or should I say that Capital One is currently the proud owner of my sofa?  I've been analyzing my debts ever since that long week off and am not pleased with my behavior or my debt totals.  When I realized that my car is currently 10% of my total debt, including my mortgage, I about had a heart attack!  This is SO not acceptable and must be dealt with ASAP.  This coming weekend will find me listing many more things on eBay and getting rid of things I don't use, need or want all in order to help pay off my existing debt.  Almost $7,000 on the credit card and $24,000 on my car along with my mortgage of just over $200,000!  All this on an income of around $50,000/year.  Who do I think I am to have amassed so much debt?!  Not happy at all with myself right now and I'm going work my fanny off to get this monkey off my back.  I'm 40 years old and certainly don't want to continue having this much credit card and auto loan debt hanging on.  OK, enough about my ranting about my bad behavior, time to stop typing and do something about it.  Time for some tough love with myself and time to take the one credit card I have, out of my wallet and put it on ice. 

Current debt:  $242,935.00  (Ugh, makes me a little nauseous just typing that!)