"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
image credit: photo xpress