I was in debt pretty much but decided to pay off most of my credit cards and actually froze them in a block of ice. I have a couple of cards that I use from time to time but I pay a lot more than the minimum each month and I'm below the halfway to my limit mark. As long as my bills are paid I can afford to buy myself something to reward myself for the hard work I do. I get a bonus every month and I put that right into savings. Right now I am saving for an upcoming trip in October (don't know where I'm going... it'* a birthday surprise) and also for a new a/c unit before next March. Mine quit working right after I returned from Chicago in July and it would freeze over. I didn't use it for a long time but then we had the heat wave and I used it a little here, little there but never enough to completely wipe the unit out. I kept the temps on 78* to get by.
There are simple ways to cut back. When you go shopping use a list and stick to it. Budget your money. Perhaps you can refinance the vehicle and get a better rate. We do a lot of refinancing and our loans have gap coverage built in so our insureds can cancel the coverage they purchased for $400 to $1100 and get a refund. Plus you wouldn't have a payment due for another 45 days or so. Keep your thermostat at the same temps, turn off lights when not in the room. Sell stuff on Ebay to get a little extra pocket money. IF there is something you know you want.... save for it.
That is my 1 cent.... I'm on a budget
Dark Teal Metallic (CAI, 180* T-Stat, Dual Climate Control, Tinted Windows, Silver Grill Inserts, Headlight Blackouts)
Also have: 1992 SSEi(CAI, Xenon Glow Headlights, Cyberwhite Navigator Fogs)
Originally Posted by BillBoost37
Stop starin at my thingy!