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Debt reading and other things...

January 4th, 2013 at 07:27 am

Thanks to Spondulick's Forever for being one of my favorite blogs. Upon reading your sidebar, I found How to Get out of Debt, Stay out of Debt, and Live Prosperously by Jerrold Mundis. Lovely BF gave me an itunes gift card which I used to purchase this book and have been reading for two days. While I have read Suze Orman, am acquainted with Dave Ramsey, this program seems the most realistic and feasible. I will mix it up with some SO and DR to my liking and hopefully get the ball rolling.

A win for me was receiving a catalog yesterday for the Company Store. Winter sheets on clearance with free shipping? I almost purchased, was so close to the trigger. Then I remembered how much more expensive those sheets will be from not paying off the interest on the debt I already have. I stopped myself and was successful today. That being said, I will build room in my spending plan for myself, but not enough for $100 sheets I do not need.

I have updated goals, etc. I will refine later. I am still working on my food stamp challenge for myself. It is exceptionally difficult, but it has helped me to plan meals and curb frivolous spending. I made pizza dough and a huge slow cooker full of sauce for New Year's Eve. I then used the sauce over the course of the week for pasta dishes. I used it all! I will continue to refine my planning and what not.

Last year I had a goal of accumulating Target gift cards from good sales and Amazon gift cards from Swagbucks to use towards Christmas. That plan got derailed due to my beginning a masters program to get my administrative certification (before the law changes in 2014...best do it now). I did have a nice chunk to help out with the holidays. I am going to continue that work and see if I can better that number.

Here's to a better year! I feel like I'm always jumping off the wagon, but as Mundis points out, first you must admit you have a problem. I admit it, I have a problem. Let the real work begin!

4 Responses to “Debt reading and other things...”

  1. Petunia in a Flower Garden Says:

    Not buying the sheets is a great start to your financial new year - good work!

  2. FrugalTexan75 Says:

    Sometimes the best thing to do with catalogs is ... throw them away! Big Grin

  3. Homebody Says:

    Mmmmnnn...I will have to check it out. Suze is my best friend and I know Dave pretty well too!

  4. Jerry Says:

    That is a great decision that you can build on throughout the coming year... and I agree that catalogues can lead to some of the biggest temptations, especially when they are offering big deals and free shipping. I have fallen victim to that more than a couple times, myself. Wink Hey, if you have the insurance that you can overcome the temptation, then more power to you. Good job!
    Jerry

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