Saturday, August 7, 2010

What Made Us Do This?

"The world is changing at such a rapid rate that waiting to implement changes will leave you two steps behind.  DO IT NOW, DO IT NOW, DO IT NOW!"

This sweet little quote came from a gift bag I got for my birthday in July!  There's all types of quotes written all over the bag, but this one caught my eye.  I started thinking back to that last day in October 2009, with me standing over the garbage can with my two credit cards and a pair of scissors.  I made that choice to implement change in our spending patterns and took action.  We were tired of dreading the end of the month-not enough money, so we charged it!

We haven't looked back, but I will say at times we get weary running this race, but we never stay in that rut for more than a few minutes and my husband and I always start talking about all we've done to date and how we'll feel when the entire $65K is at $0.

For us, these three things have made the most difference in getting out of debt/staying on budget:
  •  Using cash only in an envelope system
  • Budgeting our monthly income down to the last penny
  • Using coupons to keep our grocery budget low
Of course I'm just thankful that we're able to do this.  In my next post I'll share with you more about the envelope system and categories we use.

image credit: photo xpress

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