On an even brighter note ... we're a little bit closer! Woo hoo!
Happy dance! All right, so we've been saving money via basically
putting ourselves on lock down. It's paying off. For one thing, we've
actually got a decent chunk (well, decent when compared to the usual
zero or twenty bucks to spare, but by far not enough to just up and
move out with unfortunately) in the checking account. Another thing,
that's going to take some getting used to, is that instead of waiting
until pay day to pay bills, the money is actually right there. I can
pay bills when they come in, instead of waiting a couple of days until
one of us deposits a paycheck.
See, I've got all our bills on a
schedule that about half of them fall on or after one of our paychecks,
and the other half comes after the next two weeks' paycheck. It's been
that way for a few years now. It is so damn awesome, but so damn
strange, being able to open a bill and go 'Oh, OK, let me just pay that
right now!' I love it though. Already, most of our bills for the
month are paid off, and we're by no means hurting for cash yet.
Speaking of paying those bills ... we paid off one of the credit cards
tonight!
Yup, ZERO balance! There's no fees, programs or
anything with it, so as long as we don't spend anything ourselves it
will remain at a zero balance until we either close it or use it.
We're intending to close it after my husband has another job, because
while credit cards can be MAJOR trouble (don't get one if you don't
have one, just play it safe for now), we already have it, we know the
dangers, and if he's not working it could be the difference between
eating and not eating.
Either way, screw all that stuff for
the moment, I'm not taking away from the awesomeness of having one
down! Just a few more to go! We're getting there. We're finally
getting somewhere! I could almost cry I'm so happy about it. I know
you might be thinking 'big deal', but to me, for us, it is a HUGE
deal. Ah, yup, ending this one on a good note. G'night!
Hegemone posted on Oct 13, 2009
| views: 63
Comments
-
raindove said on Oct 13, 2009....
hey girlie, i am truly happy for you hegemone. after all that you have been through and the way you conducted yourself so gracefully even though it was causing you great deal, you really deserve this and so much more. never lose that spirit of yours. -
CayenneMan said on Oct 14, 2009....
I'm happy that you're happy. I don't like credit cards but I have no other choice but to use them :o( . Cash just doesn't seem to always cut it these days. I know all about the credit card game and the dangers lurking from misuse, I've see folks get into a lot of trouble with their plastic friends, even to the point of losing their homes :o( . Spending cautiously is the only safe way to go but I bet Obama wouldn't tell you so. Good luck to you and have a great day. -
Hegemone said on Oct 14, 2009....
Rain - Thank you. Yes, I am trying hard. I don't want to see myself getting so close and then just decide to call it a day because I've had enough. I intend to keep plodding along until we're at the end of the tunnel. :-)
CM - I feel the same way. To me, credit cards are the devil. They can eat you alive if you allow it. I try not to allow it, they're only for emergency purposes and to build credit. We haven't used them in a looong time, but were paying off a couple of them because of two times having to move. The first time being when my dad and I had our episode and I didn't have enough cash to move out with, and the second time being when we moved back out and away from my SIL and her toxic family. At least I can say I've never just gone on a shopping spree with them, or thought 'Oh what the hell.' and bought something I didn't need, or couldn't wait for. I end up with too much of a guilt trip on that when I buy with cash anyway!
-
mixednuts said on Oct 14, 2009....
I was taught be GOODFELLAS to always pay cash! -
Lucytorial said on Oct 14, 2009....
@ Mixed nuts, mate can you stop this tagomatic bullshit, its freaking annoying its like a spam tag...Hege ~ Its so good to see you bouncing happy, congrats and keep going girl your goal is in sight now, perhaps closer than you think. :-} -
Me-Myself&I said on Oct 14, 2009....
this is some mighty good new. i relate totally to debt problems and how it can ruin a person. i'm here to tell you! ;~( i have lived and learned. if i can't pay out the hard cash, i'll wait till i can do so.
you are now on your way to getting closer to your home! *smile* now lets do that happy dance.****** it is good to read you so happy.
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UnicornForm said on Oct 14, 2009....
you are strong
you didnt let mone problems get to you and your marched on
im even happy to hear this
because my parents have credit card debts
but they are split
im not sure if they will et payed off -
Hegemone said on Oct 15, 2009....
Mixed - It's a lot better in the long run, but if you're in a pinch, and I mean a real pinch not just a 'Oh I want that.' pinch, then sometimes you might need it. Yeah, what's with the Tag-O-Matic tag? It is starting to look a little fishy. Maybe select another tag that is going to be synonymous with your name?
Lucy - Thank you, and that's the way I feel too. It is finally getting closer in a way I can really see, and that makes a HUGE difference.
MMI - I am definitely happy to be so happy too. I totally agree with you in that I'm more willing to wait and suffer it out until I do have the cash than to screw myself with credit. The only things I'm going to be comfortable with using the credit on now will be to pay a bill if my husband and I can't while he's not working and while I'm either working less hours or none, depending on what my job does.
UF - It can be rough, but if you just buckle down and keep trying you'll get there. That's how we're getting ours paid off, and ours aren't even that much compared to some others' debts, but to us, they are a gargantuan amount. Best of luck to your parents.
Comment on "We're Getting There!"
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