So, while I'm getting financially acquainted with our situation, our goals, our realistic future, I decided to go to Mint.com and start calculating some goals.
I am very familiar with Dave Ramsey and his 7 Steps to Financial Peace, but I have to tell you, even those are overwhelming when you're barely paying your minimum credit card payments!
Unfortunately, we were really close to being debt free, and then, we got too big for our britches...and sunk ourselves. What were we THINKING?! You're right! We weren't at ALL! Ugh. I am very ashamed of ourselves... especially since ourselves is really me. After all, I am the one that controls the bills and the money. BOO for that! I miss the Mad Men era when the men dealt with the money. <sigh>
Dave Ramsey cutting credit cards. |
But alas, here we are. In a rut. I am working, we are working really hard to get out of it! In fact, just today we decided that I would take all my Christmas money that we agreed I could spend on myself for a "gift" and put it toward a credit card bill. Do you know how hard that was? I didn't want the interest hitting me on March 1st, though. Maybe I'll get something cool when we get our tax return. We'll see. :) The good news is, once the payment goes through, I'll be DOWN ONE CREDIT CARD! Can I get a what what?!?!
That makes me WAY more happy than getting stuff. I will get my stuff, eventually. I do get a teeny tiny bit of spending money each week, so, I'll just have to sell more cookies and save up my spending money, I reckon.
{...to be continued...}
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