Where I am Today (Medical Bills, Credit Card Bills, and All)
We’ll be Credit Card Debt Free Next Year
How We’re Getting to the End of Debt
- We Play Outside: It’s been easy to forgo entertainment as we love to go on hikes, take walks to the park and enjoy having dinners at home. We are both physically active and do not belong to a gym.
- We eat at home: We make most of our food from scratch and have gotten good at suggesting potlucks when we entertain friends.
It’s been an adjustment yet it will all feel amazing once the only debt we have will be our mortgage. I’d love to say my Mom’s bookkeeping skills were passed to me via DNA. Alas! They were not. I have learned the hard way, a little late in the game, that money is energy and the best way to keep it in a positive flow is to learn how to budget, how to save, and how to pay things off without revolving credit.
Learning from my Grandfather
My Grandfather never purchased anything he couldn’t pay for in cash. It’s my new mantra. It takes discipline. It isn’t complicated. My advice is to stay focused, make a list of what needs to be paid off (because it feels good to cross items off!), and whittle these debts down one at a time.
Good luck, everyone! And for those of you who are still working in trades where you get tips? Take some advice from someone who’s been there/done that: start today to think differently. Imagine you get paid once or twice a month and learn how to budget. It may sound hopelessly old fashioned, yet I truly believe that the way the world economies are going, [being financially sound is] going to be The New Cool Thing. The faster you begin, the better off your accounts will be. Trust me on this one!