One goal this year is to Blog, Journal or at least try. Not a writer, not trying to be. Just sharing my 2011 adventures with those who feel like reading. Enjoy and feel free to comment.
Monday, January 10, 2011
Fighting myself
It feels like every year I say this is the year I will get my finances in check. Well, this has to be the year. Today I have buried my credit cards. I have taken them from my wallet and placed them in the back of my closet. I probably will need to just tear them up and throw them away. But this year I will gain back my credit freedom. I don't think my credit debt is completely awful but it is causing me to live paycheck to paycheck. If I can get rid of the $5000 in debt my life will be so different. Right now I am just barely able to make it each month. I am going to have to say no to a lot of fun things for a bit but I think if I can get control of my debt I will have the freedom to do a lot more. I might look into a personal loan to consolidate all of the debt into one payment. At this point one total payment might be better then 3-4 separate payments. A little research and some time and I will figure it out. I also need to have a better working knowledge of my credit score. I checked it a while back and it wasn't so good. I am not sure the last year has made much difference but it's a necessary thing to know. I am gonna spend today a bit of time researching ways to get out of debt and how to pay off credit cards. I think if I can keep myself busy with the things I have I will be fine. Blogging, running, crafting, cleaning, all sorts of things that I can do for free in this town with out dropping a credit card on the table to pay for something. It will not be easy but yesterday was the last shopping trip for awhile, sorry Nicole. I need to do this. I need to be free of the debt I have been carrying since college.
Labels:
credit cards,
debt
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