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Little steps....

April 9th, 2012 at 12:59 pm

So it has been about a week since I started this blog...and I can tell you, some very positive things have come out of it.

First of all, I am no longer in denial and no longer have my head in the sand when it comes to my debt and finances.

Secondly I know I need to address certain things like the interest rates etc, and come up with a plan to get this done once and for all.

I am realizing that all my actions either support this new goal or do not support it, and am adjusting things as I see the "un-supportive" things...like taking things back, and going for the less expensive items when I can.

Like I had bought a beautiful dress for my brother-in-law's wedding coming up in 2 weeks...but I found another one that is a third the cost, and I can see myself wearing again, where the first one I am not sure I would have an occasion to wear it...so I will be returning the expensive one.

I also have a daily iced tea habit...it costs me 72 cents a day to get my iced tea...I discovered my husband also does this...so basically a little over $7 a week is going to iced tea...so I made a big pitcher of iced tea and it is in my fridge...it is not much, but every little bit helps, right?

Also remembered I have $150 worth of Visa gift cards, so we plan to use those towards the new tires from my last blog...so that should save us some money out of pocket...in the past I would have used that for "fun" money or a treat...but I feel better using it for a necessity and sticking to the plan.

The best thing that has come out of this decision though is the communication between my husband and myself. We are discussing finances, and things and deciding we can't afford things like a pricey trip to San Francisco, and hockey play off tickets...and are opting to camp or do something more affordable while we tackle this debt monkey. I actually feel like we are on the same page...and that is wonderful.

Anyways...thanks for all the wonderful comments...this has been a great first week here, and I look forward to sharing the rest of my journey with you all!

8 Responses to “Little steps....”

  1. Swimgirl Says:

    Good for you! Lots of progress.

    And it's the little things that DO make a difference. The iced tea... if you LOVE it, and it's an important part of your day, you can allow yourself to have it. But if it's just a habit and there is a cheaper solution (that is worth the effort), then go for it, because those little amounts DO add up. The thing is... it's the conscious thought about where your money goes that makes a difference. I spend almost $100 for conditioner for my hair. Crazy, right?! You can get some conditioners for free! But I consciously CHOOSE to do it. My hair is difficult to deal with, the bottle lasts at least 10 months, and frankly, I'm grateful each time I wash my hair. I could get cheaper, but I don't want to. And it's all about making those choices. I scrimp on all kinds of other things to make up the difference.

    Best of luck to you! Glad you are here!

  2. Ima saver Says:

    Keep up the good work. Little things do make a BIG difference!

  3. wowitsawonderfullife Says:

    Great entry!

    Did you realized that when you said $7 per week for ice tea you were also saying $364 per year? That's not a baby step - that's huge!

  4. creditcardfree Says:

    Oh...you have no idea how much us regulars like this type of post showing your BIG changes in spending and outlook towards your spending and debt. Yipee!! So happy for you. Keep up the fantastic work.

  5. Swimgirl Says:

    Totally agree, creditcardfree! It's exciting to watch the process, knowing the benefits and how much better it makes people feel!

  6. ceejay74 Says:

    Very exciting and impressive! I look forward to your continuing journey as well.

  7. Bob B. Says:

    I've found that once you start living a more frugal life style, you don't really miss the old lifestyle that much.

  8. scrappytappy Says:

    Bob B. is right. I don't miss anything about my "old life." In fact, I'm grateful to have a retirement fund and savings plan in place. I used to go out with friends a lot. They are spenders. First it started out that I COULDN'T do that but now it's more that I don't WANT to do it. I'd rather save my mom for a more important goal. I don't see those friends as much anymore but it's just as well. I'd rather not be sucked back in to that big spender mentality.

    Sorry I hijacked your comments, I feel like I have a similar story to you so I'm compelled to give advice Smile

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