Oh, it’s so hard. Started my Spending Fast on May 5. It is May 7. I tanked yesterday. :( Work functions that cost money but, since they promote my career, I justified it. So difficult. This site is exactly what I need. Reading the new pledges helps me to re-committ to mine – even though it is only two days old. Thank you, Everyone.
I love this. I am on Day 8 of the spending fast. What is hard for me is being restrictive in the necessary needs. For me, I can do just fine not spending money on unnecessary goods. But i am trying to find ways to cut back on all the necessitities, electricity, groceries, etc. I did my calculations and in order to be debt free by my goal of August 2015, I need to pay $1240 a month to my debts, and right now I average about $750. Somewhere I need to find an extra $500.00 a month by either cutting expenses (which i cut all i think i can) or make more money. I am thinking maybe working a second job. Sorry for the ramble. I am so determined to do this.
Keep at it and don’t get discouraged. I went all in on eliminating $27,000 in debt back in the late ’90’s. If grocery shopping is your Waterloo stick to a really restrictive budget. Our family of 4 eats a nutritious diet on $80/week. If you’re single you won’t have to contend with other family members wanting stuff that is “off budget” and you can stick to stuff like rice, beans, fruits and vegetables. This site has a great list off cheap eats.
Well, in reading everything, Anna had a wage of 33,000 dollars to get down the debt. I don’t have anywhere near that, so in looking at wants and needs it’s a lot tougher. It’s more of a focus on increasing cashflow rather than cutting. I can certainly do without some aspects of luxuries, but I’m barely making ends meet. Hard to put money towards debt when you simply don’t have it!!! But I will do my best!
Oh, it’s so hard. Started my Spending Fast on May 5. It is May 7. I tanked yesterday. :(
Work functions that cost money but, since they promote my career, I justified it. So difficult. This site is exactly what I need. Reading the new pledges helps me to re-committ to mine – even though it is only two days old. Thank you, Everyone.
I love this. I am on Day 8 of the spending fast. What is hard for me is being restrictive in the necessary needs. For me, I can do just fine not spending money on unnecessary goods. But i am trying to find ways to cut back on all the necessitities, electricity, groceries, etc. I did my calculations and in order to be debt free by my goal of August 2015, I need to pay $1240 a month to my debts, and right now I average about $750. Somewhere I need to find an extra $500.00 a month by either cutting expenses (which i cut all i think i can) or make more money. I am thinking maybe working a second job.
Sorry for the ramble. I am so determined to do this.
Keep at it and don’t get discouraged. I went all in on eliminating $27,000 in debt back in the late ’90’s. If grocery shopping is your Waterloo stick to a really restrictive budget. Our family of 4 eats a nutritious diet on $80/week. If you’re single you won’t have to contend with other family members wanting stuff that is “off budget” and you can stick to stuff like rice, beans, fruits and vegetables. This site has a great list off cheap eats.
Well, in reading everything, Anna had a wage of 33,000 dollars to get down the debt. I don’t have anywhere near that, so in looking at wants and needs it’s a lot tougher. It’s more of a focus on increasing cashflow rather than cutting. I can certainly do without some aspects of luxuries, but I’m barely making ends meet. Hard to put money towards debt when you simply don’t have it!!! But I will do my best!