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The wind in my sails....is slowing fading

November 8th, 2011 at 10:09 pm

I wrote a blog entry yesterday but somehow managed to wipe out my entire screen before I could post it...so I was very annoyed & decided to put it off, wasn't gonna write it again. So this is my 2nd attempt -- hopefully I don't blow this thing up.

My motivation has been struggling lately...making me feel depressed. We are 11 months into our debt snowball and have paid off over half of our debt and will be on track to have reduced our overall debt by at least $70K by the end of the year. While it is an exicting milestone, it is also somewhat nauseating b/c this has been a big ole whippin!! it is hard to squeeze every penny out of your budget week after week...pushing the limit every month and really restricting our spend. I am also the enforcer - my husband is onboard with the plan but sometimes I feel like I am the one having to keep us on track. I have thought of 'quitting' once or twice but then I think to myself, quit for what?? so I can be broke forever instead of just these few miserable months? So quitting would make me ultra stupid -- just doesn't make sense to quit and go back to what we were doing. So having resolve that internal conflict, I have no fear that I will quit but I can still complain that this plain sucks!! It will be something that will stay with me forever -- will not be repeating this again.

On a brighter note, I did some 'dave ramsey' negotiating today and it worked! One of the things I've been putting off buying are new tennis shoes for me...mine still look good/clean but they are at least 3 years old and they are broken down internally/structurally so they hurt my feet after a while. Anyway, I had a fairly large medical bill budgeted to pay this pay period (about $698) and that is pretty much all that is stitting in my bank account right now. I found some shoes today that are what I wanted and they were on sale for $20 off so I took a gamble that I could call the dr. office and offer them LESS to settle my account in full today. So I went ahead & bought the shoes and made the call to my dr office when I got home. Not suprisingly she said she would have to ask the doctor and call me back when I asked if I could setting in full for $600 today....she called back in about 10 mins and said YES! I was very pleased that it worked out b/c I do feel guilty about buying new shoes right now which is why I kept putting it off, etc. BUT I am tired of my feet hurtingn all the time so I don't think this was a wasteful expenses. I have 2 other larger dr bills I have budgeted to pay in the next pay period...I'm gonna try it again! See if I can knock off about $100 if I offer to 'pay it off today' :-)

I'm back to the grindstone for now -- squeezing dimes out of pennies and quarters out of nickels...wish me luck.

5 Responses to “The wind in my sails....is slowing fading”

  1. baselle Says:

    remember that the goal is to limit your misguided spending, not your needed spending. If your shoes are broken down, causing your feet, legs and back to hurt, new shoes are NEEDED spending.

    Awesome how you talked down 98$ worth of spending, that's a 15% savings.

    I feel for you. Getting out of debt is like running a marathon, and you are somewhere at mile 15, where the excitement of starting is long gone, and right now its moving your legs step by step. Right now you've got to figure out your pace and figure out ways to encourage you to get that next mile and the next mile.

    We are here for you to cheer you on. Keep going, the goal is worth it!

  2. ceejay74 Says:

    Agree with baselle. You're more than halfway there, so it won't be too long before you can let up and focus on something else!

    I've only done the cut-to-the-bone thing when we were really desperate. Now I am still paying off debt at an accelerated pace, but also adding in some luxuries as our budget permits. I know I'll get out of debt and am going at a good pace, but sometimes I think how much faster we could be going if I just put everything toward it. If you're already used to that pace, I'd keep going if I were you!

  3. Shiela Says:

    Keep going! You can do it.

    According to your goal you will be debt free by end of 2012, that's only 14 months away! Even if it take you 15 or 16 or 20 months, it doesn't matter the end is near. It's better than going backwards.

  4. creditcardfree Says:

    Great job on the negotiating. One less debt...yipee!!

  5. Ima saver Says:

    Good going!

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