Anyone who actually reads this blog will notice that my debt ticker has changed. The initial number I used came from my credit report--wrong way to do it. My number of debt is actually larger than I thought.
So I have all these goals. It's not that I haven't made progress, because I have. Instead of being in a panic every two weeks before payday comes, I have a pretty good handle on our finances. We at least are paying bills and meeting needs. I overspent a bit while in Florida, that much is true. It makes me feel SUPER guilty. Bad, bad, bad me. Looking at my tickers, I get completely overwhelmed.
As I read your blogs and gather advice, I feel like I should definitely adopt a Dave Ramsey plan. This will entail my becoming even more organized. I appreciate all of the advice I've gained through reading your blogs. Thanks for being such a knowledgeable bunch!
For me, I'm going to list out my accomplishments and goals. Read on if interested:
Accomplishments:
1)paying bills immediately upon pay day
2)keeping track of anticipated expenses using a spreadsheet
3)for the most part, sticking to budgeted expenses for food, etc.
4)am eating healthier
5)have worked out three times this week and last
6)am paying attention to where the money is going
7)set up automatic bank to bank transfers
Goals:
1)list out debts and detailed goals for what I want paid off by the end of 2008
2)stick to an evelope system for food/entertainment/gas items
3)get emergency fund to $1000
4)find things around the house to sell on craigslist/post them on craigslist
5)look for places to cut expenses
6)try to build up to working out 6 days per week
7)FOLLOW THROUGH!!!
I guess that's all for the moment. If I think of more, I'll add it.
Just Thoughts
March 7th, 2008 at 04:39 pm
March 7th, 2008 at 05:40 pm 1204911604
Remember, focus. You can do it. It's hard, but you can do it. It helps me to have all by debt listed on my blog, and I look at the progress everyday. It keeps me focus on the step am on and my end goal.
Good luck, and everyone's behind you.
March 7th, 2008 at 05:48 pm 1204912087
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