Posts tagged with: credit card

New Year’s Resolutions, V

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31. Keep track of every movie I watch – I’m doing this on the same page as my books. I’ve also added a category for new music tastes, too.

32. Pay off Chase card – this one will be done at the end of January. I am SO excited about this.

33. Pay off Capital One card (2008 will be my year-outta-credit-card-debt) – This one might be July or August, but it *will* be taken care of this year!

34. Cut out sugar (and all sugar substitutes) for at least a week – I mentioned the sweet tooth before and think this could be a start to cutting out most of the sugar in my life. I know that a week isn’t really long enough to make a total change, but I can start somewhere right?

35. If I make it through the week, try for a month – see above.

36. Cut out fast food for an entire month – so not even once a week like the beginning of the list said. I swear the stuff is addictive.

37. Eat like a vegetarian for an entire month – I don’t eat a lot of meat, but I do eat some, so I think cutting it out would be really interesting.

38. Visit five new states – I’ll be visiting both Atlanta, GA and Columbia, SC in January. I’ll be able to hit the states around there after I move. If I drive myself out there to move, I’ll get this number doubled in no time!

39. Visit a foreign country – I am hoping Greece. Mexico would do.

40. Begin nose job research – this is something I’ve wanted for years but never looked seriously into. I think it’s about time. I hate my nose.

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Things I’ve learned

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$ signI mentioned in a previous entry that I was working at paying off credit card debt; and I got a very happy surprise in the mail on Friday night. Credit card #2 will be paid off with a $16 payment in September. The debt on this card was (from what I can remember) the highest of the four I’m paying off, and seeing that it only has $16 left to pay on it, I am so encouraged. That piece of mail got me thinking about the things I’ve learned from being financially responsible, and the overall theme has been you don’t have to have it all.

1. You can live without cable. There are at least a half-dozen sites on the internet where you can watch television (this does mean, though, that you have to have high-speed internet).

2. You can live without haircuts every six weeks. I haven’t had my hair cut since February. It doesn’t look as great as it could, but that’s okay. I’ve gotten used to having to work to make it look fantastic, but I have saved so much money by just letting it grow out. I could be trimming it myself, but I don’t trust me and scissors on my own hair, so I’ll just wait.

3. You can live without brand new (or brand name) clothes. I have learned the joy of shopping at Goodwill and the excitement of finding two new pair of Gap pants for less than $20.You can find some really good deals if you’re willing to work a bit for them.

4. You can live without so much of a social life. I work 40 hours a week at the bank and then 12 hours a week on other jobs as well as writing this blog and my personal blog, too. I don’t always have time to spend with my friends, and while they get frustrated with that sometimes, they know why I’m doing it. (Church has been my social life, and that works a-okay for me!) My friends have also been amazing in understanding that I can go out to dinner with them if they help me out, and they’re fantastic about that.

5. You can live without what you want and just get by on what you need. Right now, there is a huge list of “want” in my life, and a very short list of “need” and I’m still surviving. My bills are being paid and I’m a happy woman. Think about this a bit … do you really *need* that next purchase or is it on the want list?

6. You can live without being absolutely independent. You can ask for help. I’ve asked my friends, I’ve asked my family, I’ve even reached out to pastors at church and asked for help. Asking for help doesn’t make you weak, it makes you strong. You know you can’t handle something on your own and so you turn to someone else.

What can you live without?

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Intro to Two for Tuesdays

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Creative Commons License photo credit: Dare*2*Dream

Two aspects of health that many women don’t normally consider include your relationships with other people and your finances, but if you think about it, both can have very positive and very negative effects on your health!

Think about it; if your marriage is struggling, your head hurts, your shoulders ache, your stomach grumbles and growls no matter what you eat. Your physical health is clearly dependent upon your mental and emotional health. If your finances are tight, you probably aren’t eating a lot of fresh fruits & vegetables, vital to a healthy diet. You might be using the McDonald’s drive-thru more often than you would otherwise and your health definitely pays for that.

While I don’t have any fantastic articles this week, I wanted you to start thinking about the fact that your mental & emotional health are very closely related to your physical health!

Just for kicks though, here are a couple of financial tips I’ve learned in the past year that are worthy of being shared here:
1. Pay off your credit cards before other debts. The interest rates on credit cards is normally twice (if not three or four) times as much as other debts – get these out of the way as soon as you can!
2. Buy certain everyday items used! DVD‘s, CD‘s, books, sporting equipment and even clothes can cost significantly less if you buy them gently used. I have found (new with tags!) $50 pants from The Gap for $7 at the Goodwill because I’m willing to wear used!
3. Money is important, but it’s not everything. You can get buy being broke. I promise!

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