I have been trying to make some small changes when it comes to my spending habits. I LOVE to spend money and have the debt to prove it. I have collected a good bit of credit card debt and then there's the school loans (I tend to not include my school loans in the amount I owe since, well, they are school loans...I know stupid thinking) So I decided that it was time to get rid of this debt and I needed to make some changes. Last year I met with the Burks and really looked at what I owed. I met with them because they had done Dave Ramsey and were living a debt free life. If you haven't read the book I highly recommend it! Funny part about all of this is that my parents have raised all 6 of us kids debt free. So I figured up all that I owed, had to take a moment after getting the grand total (yep I have REALLY done my share to help stimulate the economy!!) and then I had to figure out what changes I was going to make to make getting out a debt not just a dream but a reality. I had just started my job at South Plaq High and was living in a really cute 3 bedroom rent house that was costing me close to $850 a month. My parents offered to let me move into one of the little two bedroom trailers that they had been given after Katrina and so I made the decision to make the move. I then cut up all of my credit cards and started making some changes. Now I would love to say that it all went as Dave said but I have some serious shoe, clothes, and travel addictions, all of which have been not so good for the spending free lifestyle. I do allow myself to spend a little here and there but none goes on the cards. I even did my trip to Europe all cash and nothing on credit. I had already paid for none refundable tickets before deciding to get out of debt so I had to go, but was so proud of myself for not using my cards. I have fallen off the wagon a few times and have not put as much of a dent in my debt as I wish but I'm still working on it. I hope to have two of my cards paid off this year. Gods blessed me with additional funds since deciding to do this. I have had three opportunities this summer to make a considerable amount of money and I will be able to do them because this is the first summer in four years that I have not done a trip out of the country. The not traveling and taking a big summer trip has been one of the big changes that I have made, while there has also been quite a few small ones.
Some of the small changes include: doing my own manicures, dying my own hair, reducing my cell plan and direct tv channels, packing lunches, and not buying little knickknacks for my house. I still have a long way to go and a lot less spending to do, but I'm going to get there.
Every few months I have to refocus and get my spending under control. I wish it were easy and that I had never gotten myself in this situation in the first place. But that is life, you live and learn. I will finish with one of my favorite quotes... -Till Tomorrow
"Experience is a brutal teacher, but you learn. My God, do you learn."
— C.S. Lewis