Sunday, August 26, 2012

Resisted the urge to spend...

Today I went to the mall to meet my step dad to help him pick out an anniversary gift for my mom and I thought about doing a little shopping of my own, I've been wanting some new clothes, but I resisted and thought I would wait until after Labor Day when my mom, my best friend, her mom and I all go shopping at the local thrift store where all the clothes are half off on Labor Day.  In the past, I've done really well on these shopping trips and since I can wear casual clothes to work every day, it's nice to find jeans and t-shirts there at GREAT prices.  To help me resist the urge to splurge today, I only went in to stores that were necessary to help my step dad out with his shopping and I went straight home afterward.  I didn't even go in to any of my favorite stores.  Funny thing, while driving home, I was really proud of myself and didn't feel like I'd missed out on anything, but not at least window shopping.  I think I'm getting better and better at this saving money and not spending thing.  Tomorrow I will know what my paycheck for this Friday will be and I can make my plan to make debt repayments.  With so much overtime, I know I will be able to make another good size dent in it.  Stay tuned....more to come later this week! 

Current debt:  $239,744.00  (darn credit card interest increased this total a little bit.)

Friday, August 24, 2012

Working WAY too many hours....

So, usually when I've been away for awhile it's a sign that things aren't going well, but lately it's all been going right!  We've been swamped at work lately and I've been working a ton of overtime.  Just this week alone, I put in 73 hours.  Woohoo!  That's helping me really make a dent in some of this debt.  My main goal right now is to have the credit card paid off by the end of the year and the car loan paid off at the end of 213.  Then it's full speed ahead paying down the mortgage and upping the retirement contributions.  My parents won't take any more than $2,000/year on the money I owe them, so I may as well put the extra to savings, mortgage reduction and retirement.  Usually when I'm making extra money I spend more, but since I've been working so hard, I've decided to continue being frugal and making the extra money work as hard for me as I've been working to earn it.  Seeing those balances drop so much quicker is very motivating to keep this up.  The funny thing is, I have so many things on my wish list, but none of them seem worth it when I've been working so hard to earn the money.  I've cut down on just about any extra spending, I'm sure it helps that when I get home from work, I'm too tired to go do anything.  I know that this isn't something I can sustain, so for now I'll just enjoy the extra money coming in and get ahead on some bills, feels really good! 

How are things with all of you?

Current Debt:  $239,728.33  (yay, it's under $240K!!)