As I mentioned in a previous post, I’ve been going back and forth about how to proceed in my journey. It seems there are two choices: (1) continue with gazelle-like intensity, spending nothing extra. Or, (2) keep intensity high, but allow for some spending exceptions. It seems to me now that I will take route [...]
The further I get into my Out of Debt Journey, the less I think about it. I knew this would happen, of course, and I even looked forward to it. It’s no fun being preoccupied with money all the time. But, it makes me a bit nervous, because when you’re focused intensely on something, you feel like [...]
To me, there is a stigma to the words “I’m busy” or at least to saying them out loud to other people. I wrote about it on my personal blog once. Even now that I know I am really busy, I can’t quite get over the stigma. But, I’ll ignore that feeling for now, because [...]
While home for Christmas, I had a conversation with my step-dad where he said that both he and my mom had noticed that something seemed to have changed with me since they saw me in August.
Every time I’m in town, my step-dad and I go out for coffee—just the two of us. In August, we [...]
When I decided to get serious about debt reduction, it seemed there was nothing I could do to reduce my monthly bills. I have always been very conscious about keeping them as lean as possible. There’s no fat there to cut. My problem is shopping and the way to deal with that was to stop [...]
I am a 26 year old PhD student working hard to get out of debt. This is a personal story.
