The other day someone told me that I could never pay off my credit card debt by myself or in 3 years. My credit card debt goal is 18 months. Which is completely doable if I follow through with all my carefully laid out plans while also saving money for an emergency fund. So I am going to prove them wrong by proving myself right. I am not doing this for them - I am doing this for ME. If you try to do something for someones benefit beside yourself; it will 95% of the time fail. You have to do anything in life for yourself first.
I sat down looked at a rough estimate of next week's money coming in. I wanted to see a full account of where the money was going. We are able to pay off the first credit card next week! The card is closed but mainly because the stores closed. Toys R Us will be paid off in full next Wednesday. So 1 down many more to go. Next week the cell phone bill comes due which means my last cell phone payment is done and the insurance is done. I will be cancelling the insurance once I pay off the phone. They want more to file a claim to replace the phone then if I would just switch to MetroPCS now. At tax time I will be switching to MetroPCS though. I will pay off my phone in full and have the insurance on it. It will be a pricey phone so I can do everything I need to with it and my apps work.
I called AT&T U-Verse to look at the bill and where we can save money there. By adding a second home phone line (which we will probably never use), we can save $50 a month on the bill before taxes and then after taxes it should still be down about $40 a month. So I told them add that phone line. I wish we could switch to SlingTV; however with my special needs child we really need certain channels and it would just have us right back where we are with AT&T. We are better off staying with them.
I do need to add one thing to the budget which is a co-pay for a specialist doctor so we can save that money for when we actually do need to see a doctor or have a minor surgery. This money will help for unexpected surgeries or hospital stays as well.
This week's budget is rough to say the least but we are managing. We will have our big allotment of money on Wednesday to get the monthly bills paid on time. Credit card payments are already scheduled to be paid on Wednesday. I get paid on Thursday. Monthly bills come out of Wednesdays money and weekly bills come out of my paycheck. This month is a bit weird as I started Mid-month on this idea. However, it just means I am ready to go full force in November.
I sat down looked at a rough estimate of next week's money coming in. I wanted to see a full account of where the money was going. We are able to pay off the first credit card next week! The card is closed but mainly because the stores closed. Toys R Us will be paid off in full next Wednesday. So 1 down many more to go. Next week the cell phone bill comes due which means my last cell phone payment is done and the insurance is done. I will be cancelling the insurance once I pay off the phone. They want more to file a claim to replace the phone then if I would just switch to MetroPCS now. At tax time I will be switching to MetroPCS though. I will pay off my phone in full and have the insurance on it. It will be a pricey phone so I can do everything I need to with it and my apps work.
I called AT&T U-Verse to look at the bill and where we can save money there. By adding a second home phone line (which we will probably never use), we can save $50 a month on the bill before taxes and then after taxes it should still be down about $40 a month. So I told them add that phone line. I wish we could switch to SlingTV; however with my special needs child we really need certain channels and it would just have us right back where we are with AT&T. We are better off staying with them.
I do need to add one thing to the budget which is a co-pay for a specialist doctor so we can save that money for when we actually do need to see a doctor or have a minor surgery. This money will help for unexpected surgeries or hospital stays as well.
This week's budget is rough to say the least but we are managing. We will have our big allotment of money on Wednesday to get the monthly bills paid on time. Credit card payments are already scheduled to be paid on Wednesday. I get paid on Thursday. Monthly bills come out of Wednesdays money and weekly bills come out of my paycheck. This month is a bit weird as I started Mid-month on this idea. However, it just means I am ready to go full force in November.
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