The Way Things Are

December 7, 2010

A couple weeks ago, it was pay day and I was excited.  I have a lot of pay days, since I have two jobs that both pay twice a month and rarely on the same schedule, but the first pay check of the month from my full time job is the exciting one, because it [...]

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There Will Be Mistakes

November 23, 2010

One thing that really scares me about being debt free is knowing that I will continue to make mistakes with my money. My debt situation was so extreme and I reacted to it in such a strong way that I feel like I should know enough now to never make another mistake with my money. [...]

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Preparing for the Real

November 18, 2010

I’ve thought a lot about being out of debt, but I realize now that those thoughts were always fantasy-like.  I can tell, because in my fantasies I dress a lot better than I do now and I don’t worry about stupid things.  Now that it’s only a few months away, I’ve come to realize that [...]

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The Debt As It Stands (11/16/10)

November 16, 2010

I’m still on track!  On track to be out of debt by the end of the year, that is.  Good thing, because I am so ready and I really can’t think of a better way to start 2011.  Strange to think there’s only one more of these mid-month update posts to go.

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It’s Been a Year

November 11, 2010

At this point, I feel like there’s a milestone to celebrate just about every week.  This one, though, is worth mentioning.  A year ago this month, I started this journey to get out of debt. I can’t say the exact day, because this didn’t start with a light bulb moment.  At some point in early-mid [...]

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Now They Want Me

November 9, 2010

It has recently come to the attention of Capital One that I am getting ready to pay off the Visa they gave me more than four years ago.  I don’t blame them for being taken by surprise.  It’s been maxed out for nearly two years now.  In that time, they haven’t paid me much attention [...]

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It Doesn’t Matter If It Was Different

November 4, 2010

I guess the embarrassing thing about debt is that it suggests you have no self control.  For that reason, I held on for a long time (and maybe I still do) to the claim that my debt was different.  It went to rent and groceries and text books!  And, okay, some nail polish too, but [...]

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Deferred Maintenance

November 2, 2010

When it comes to health care, even insurance companies agree that preventative medicine is not only better, but cheaper than only addressing a problem once it’s become a problem.  I suspect that’s true of a lot of things, which troubles me a bit as a person trying to get out of debt. The tendency is [...]

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Consumerism

October 28, 2010

I have always had the vague intention to blog about consumerism.  Not in general, of course, but as it relates to me and my debt and my future life without debt.  I haven’t, because I’ve never felt like I had much to say about it.  I realize now that it’s not really that I have [...]

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It Doesn’t Feel Real

October 26, 2010

I guess because I’ve been distracted, when I look at my current level of debt, it doesn’t feel real to me. I started with such a high number that even after working hard for a long time, it was still a really high number.  I remember when I reached the half way point–$10,000 paid off and [...]

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