So today I totally took myself out of my comfort zone. I paid off 2 credit cards, following Dave Ramseys baby steps. Goodbye Avenue and Lane Bryant. ( Hell soon I won't have to shop there anyway ) His program is to start with the lowest credit card balances, and work your way up. I didn't want to pay these cards off as the balance is less then $300, but that is what I have to do to get out of debt. I don't know why I am so tied to debt.. by my 42nd birthday I want to be totally out of credit card debt. I know I can totally do that, before as I only have around $20,000 left to pay off. My goal is to build a riding arena and then a horse trailer when I am out of credit card debt. I will also write Suze Ormans show hoping I can get on her "Can I afford it" segment. She will probably say no as I need to have 6 months worth of my salary in my savings account, but maybe I will build a riding arena after I do that. Hell I am 40 now, its time to start to plan for my future.
I don't know why I worry so much about money. If I needed cash for a emergency I do have credit cards to fall back on or charge on, as right now I am putting all my extra cash into paying off my cards. Even though I only will have $100 cash on me it puts me in panic mode. I have enough hay in my barn to last me a month, just paid $220 for all my horses feet to be trimmed and shoed and that will last 8 weeks, but I still worry. Its so silly... But its part of being a mature adult that I haven't done for such a long time.
I actually feel pretty good knowing I have paid 2 cards off. I won't cancel them totally as it will hurt my credit score ( Suze Orman's advice versus Dave Ramsey ) I have 6 more to go, and I will start next with my First National Bank ( WOW ) Credit Card. It has a $3300 balance and needs to be paid off by December or I get charged compounded interest since it was a zero interest credit card. I am focused now, at least for today, which will be a good day :)
The picture above is of Princess playing with Luna. I have moved the goats into my back yard to help with weed control. I will see tonight if they stay in my back yard. They somehow have a way of making it over a fence to go back into the pasture...
1 comment:
Heehee, I love that picture! Thats the most active I've seen either of the goats.
It's awesome that you've set a specific goal to get out of debt in 2 years. I agree that the best way to start is to pay off small-balance credit cards. I've done that, too. It also gives you a good sense of accomplishment since it's one less bill to pay!
Don't stress too much over money. Just remember that there are people SERIOUSLY struggling to make ends meet, and you'll never be there. You can afford the basics & bare necessities, and that is definitely something to be thankful for!
Post a pic of you soon so I can see your hot babe levels increasing with all that awesome weight loss!! :)
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