Mr. Serious and I have recently made a life change. A life-style change.
Hold.Me. It's a little scary.
We read The Total Money Makeover by Dave Ramsey and we are on board.
We are fortunate that we do not have a lot of debt, but we still want things to change.
Tuesday, after the endoscopy, we sat down and made our October budget. Every penny has to be accounted for. We've never done this before.
After the budget was completed and tons of erasures were made (thank goodness we had the foresight to use pencil), we did something drastic:
I can't believe it, either.
And, we didn't keep a spare one hiding, either. They are all.chopped.up!
As my sister pointed out, "that's a lot of credit cards!"
No, we didn't use them all.
In fact, we never had any outstanding credit card debt. It has always been paid off every month.
But, that's part of the plan. Not using tomorrow's money today. Using only what you have. Keeping ourselves accountable.
I promise I won't be boring my internets with all of the details, but maybe an update here or there won't hurt, right? I'm sure you all will be wanting to know how my Tar-jay trips will go without my trusty Discover card in hand!
{ 44 comments… read them below or add one }
← Previous Comments
Very smart!
We have one credit card for emergencies, but we don't have any balance on it. Other than that, no credit cards for us either.
Are you ok? I have heard about all the flooding and just wanted to check in.
Good for you! This is going to make a big difference to the amount you end up with down the road.
=)
Great Job! Good luck!………..
← Previous Comments
{ 1 trackback }