Today, Andrew and I have embarked on a makeover of our finances. We have never been very good with money and are not financially fit. So, we are starting our money makeover. We have a book that we've been reading (by Dave Ramsey if anyone's interested) and it gave us the kick in the seat that we needed to make a change. So, we sat down, drew up a budget, and made a plan. Then we cut up every single one of our credit cards. It felt so great! I did not realize just how much I despise Capital One until I took the scissors to that evil little card. THEN (drumroll please) we paid off one of our credit cards and now that debt is gone completely. Of course, there's other debt ready to step up to bat and it will be a long process to paying it off, but we're committed to getting debt free. Since we truly are poor graduate students, that is the lifestyle we will have. So, please, if anyone has any tips or advice on how to save dollars here and there, we welcome the comments! Also, encouragement will be greatly appreciated. It's never easy to admit that you've made mistakes, especially when it comes to money but enough is enough. Hopefully, one day, we will be a success story about getting out of debt.
3 comments:
I know that must have been very hard to do, but we are very proud of you. We will try to send care packages to you often as you try to cut down on your expenses. Here are some ideas for you:
Freecycle.org
DVD rentals at libraries
Swaptree.com
Walmart.com (search for "free samples"), has free 10-pack Cottonelle flushable wipes and gain detergent that could be had for no shipping and only a few survery questions.
couponcravings.com
Anyway, good luck. We love you.
Mom
Good luck!
It's tough at times, especially when you really want something.
But a great reward in the end.
so I thought I'd let you guys know that I'm starting one of these. Only because I love yours so much. haha.
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