Author: Cheryl
•11:40 AM

Wow, that is a heavy title. Just couldn't think of anything else to call this.

I am making up a financial notebook to keep everything in it that I need to get our finances in order. I printed out my spreadsheet of my remaining credit card debt.

And then I got a little depressed. I know we have paid two cards off so far and a 1/2 of another one, but when I saw the remaining balance, it completely bummed me out. We have so far to go still. But I must keep reminding myself that this is not a race. Its probably just my impatient streak coming out.

In the next few weeks we will have a decrease in income too by about $300 a check, and so all of these money saving techniques will really come into play. I felt like before, we did these money saving things to pay off our debt and build up a savings account quickly. But the decrease will make it harder to pay more to the credit card, but I am determined not to give up on this goal. Tough decisions will need to be made. But every little bit we can send to these places helps.

I read many a blog where I see people reach their debt free goals and I am so unbelievably happy for them. I know one day that will be us and I will have the most soundest sleep of my life that night.
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On December 4, 2008 at 3:10 PM , debtfree2009 said...

You will do it. I am a bit like you in that I have no patience. Once I make my mind up I want it done right that minute. One thing is that if we suffer the "pain" of debt we will be less likely to jump back into it.