Day 153

I can't believe how much time has passed since my last post!

Work is very busy -- crazy busy!

Paying off debt has been going slow but I plan on getting a lot done this month. I did purchase some needed equipment for the business. $$$ I spent about $3000 there but I have improved my work flow and am getting this done a lot quicker :)

My future shop account will be paid off thins month! Yay! One less account on my debt list!

I still need a washer and dryer. Laundry piles up like crazy in my house now that I actually have to find the time to go out to do laundry. 

I closed three of my accounts today and now only have two. My one account was costing over $30 a month in bank fees so all I was doing in that account is being done in one of the two still open. Yay to saving money! 

I bought winter clothes for my son and that was a $300 bill -- yikes! But it had to be done. 

I was thinking about money yesterday and how much I make a year for being a single household income and I really do well -- I just need to work on learning how to manage this money. Oh, and still no child support from my sons father, ugh! 

I'm off to check on everyone else now. I hope your all well! 

Total Debt paid: No idea right now since I closed one account where debt was paying off through online banking. I should have checked into that! Whoops! 

Day 135

I spent $84.66 today on stuff I really didn't 'need' . It was all baking stuff: cookie cutters, baking sheets, cookie decorating stuff and some and pancake molds so I can make my son Halloween shaped pancakes...yes, I really didn't need the molds!

Day 137

I've been reading a lot about credit counseling and I'm actually glad I was denied the counseling when I was looking into it back in June...it was brought me to this blog and my inspiration (change can be a good thing) but the agency I was talking to had radio adds (very costly, I've had them so where does that money come from???) and they charged $100 to set up the plan plus 10% of my total debt -- yikes. Not until reading more into the book I am reading I have learned that this form of credit counseling is only out to take my money. It would have cost me about $5000 just to have them help me. Instead I pay for internet, and I have bought a few books and I am doing just fine :)

I still have so much to do this month to keep up

Total Debt Paid: $23,003

Day 125

It's Oct 1st and with a new month I think I'm in need of new goals with strict discipline. The bills are beyond what I can pay this month and cut backs will have to be made if I plan on paying my bills on time, buying a washer and dryer and putting money away to debt.

The process has slowed down again on how much I have put to debt. I seem to do this...have set backs but will pick up again and this month I plan on having another great month. I'm totally broke today, yesterday and the day before living in my overdraft. I will be paid $900 today and out of that will pay my rent, gas and groceries for the week.

October Goals

• pay bills on time
• buy washer & dryer
• no movie rentals
• read more debt blogs
• blog at least three times a week
• pay off future shop bill
• no new clothing for me
• get child support
• finish reading managing debt
• find ways to save for debt
• track all incoming and out going money
  

I just found some money saving tips that I will need to consider:
#1 Avoid temptations.
#2 Use grocery coupons and buy generic items.
#3 Don’t use credit cards.
#4 Make a list.
#5 Pay yourself first.
#6 Cut out your vice habits and drains on your dollars.
#7 Shop at discount stores and outlets.
#8 Buy used.
#9 Downsize.
#10 Postpone purchases.

Total debt paid: $22,253