If you look at my magic numbers over to your left, you will see my shameful secret. I am frugal, I know what to do, yet I am racking up $1000 more in debt on AVERAGE per month. The stock market may go up, but we are getting poorer. Some was put on because of the cruise and the trip to Disneyworld. The rest is probably food and junk my kids wanted and I spoiled them with. I do bad things, like not telling myself NO! So I will challenge myself, although I have done it before and simply and easily talked myself out of the challenge for whatever "good" reason I may have come up with, I will challenge myself to see if the last number on the line can go DOWN in one month. Think I can do it???......
What numbers tell you...
July 17th, 2007 at 11:29 pm
If you look at my magic numbers over to your left, you will see my shameful secret. I am frugal, I know what to do, yet I am racking up $1000 more in debt on AVERAGE per month. The stock market may go up, but we are getting poorer. Some was put on because of the cruise and the trip to Disneyworld. The rest is probably food and junk my kids wanted and I spoiled them with. I do bad things, like not telling myself NO! So I will challenge myself, although I have done it before and simply and easily talked myself out of the challenge for whatever "good" reason I may have come up with, I will challenge myself to see if the last number on the line can go DOWN in one month. Think I can do it???......
If you look at my magic numbers over to your left, you will see my shameful secret. I am frugal, I know what to do, yet I am racking up $1000 more in debt on AVERAGE per month. The stock market may go up, but we are getting poorer. Some was put on because of the cruise and the trip to Disneyworld. The rest is probably food and junk my kids wanted and I spoiled them with. I do bad things, like not telling myself NO! So I will challenge myself, although I have done it before and simply and easily talked myself out of the challenge for whatever "good" reason I may have come up with, I will challenge myself to see if the last number on the line can go DOWN in one month. Think I can do it???......
July 18th, 2007 at 12:04 am 1184717042
Maybe a more detailed post in the forum will yield ideas you can use to get that number down or at least prevent more of a backslide.
Whatever you decide, good luck.
July 18th, 2007 at 03:59 am 1184731156
July 18th, 2007 at 06:17 am 1184739426
Seems to me your downfall is your kids.
Short of getting rid of them, what are some things you can do (or not do) to hold the line when it comes to the girls??
July 18th, 2007 at 01:22 pm 1184764955
July 18th, 2007 at 08:52 pm 1184791949
Yes, contrary, they are a downfall and I am a spoiler. I have been trying to spoil them at home with little homebaked treats and stuff. It will help when they go back to school. DD3 starts tomorrow!
Ima, I did take my CC's and DH's CC's (except one for him) and put them away. I have overdraft on my debit card and I TOO frequently use this to my advantage. I need to keep in my mind, when the money is GONE, it has to be GONE!!
katwoman, unfortunatly I KNOW what to do, but its having the nuts to do it, to say NO!
Amber, thank you for the nice words! Too often I "fall off the wagon" and maybe if I am harder on myself instead, it will help more!
Thanks everyone for your encouraging words! I even went online last night and paid 3.53 to make my total number an even number! A little psychological thing!