First, I just want to stop and share some pics from the tree!
We put quite a few small dolls on the tree and I love’em.
Cute and so old fashioned, but check out the hair on this babe!
Rough night honey?
I have reached a milestone. A whole half (oxymoron?) a year has passed and I haven’t charged a thing on credit..
I stopped digging last May 2012. I took a good (scary) look at my finances. I knew I was in trouble and needed to make some decisions and the first was to stop digging.
I listed all my debt and the finance charges I was paying. I went online to figure out how long it would take me to pay everything. I looked at Snowballing and Snowflaking, I looked at cutting back to the bare bones, I tried so hard to make it on my own. I set up a budget and worked very hard to stay in it. But nothing that I could have done would have gotten me out from under the debt load I had created. I am 52 years old, I only have so much working time left, if my health holds up, and I have a teen to consider.
There is just no way I could have done it. I am pretty sure of that. I did try, try I did!
Which brings me to today. I am still trying and doing it!
If you watch your money, and are diligent, you can live on cash. I had to take Gracie, my most favorite cat in the whole universe to the vet to find out why she is suddenly very aggressive toward her 4 year old daughter. Long story, but it ended up with cost of $185.00.
The vet started out wanting to charge me $245.00!
I took the list and started crossing things off that I felt were unnecessary, I whipped out my office visit half off coupon and then he ended up shaving a part of Gracie for free instead of charging me $15.00 for just that!
So I saved $59.00.
It is still an expensive hit and I paid 100.00 today and he let me give him a check for 85.00 to cash at the end of the month, so that helped!
I have changed so much, I would never had the nerve to bicker, but now I do, it bothers me that I have to, but I have no choice!