Debt Is A Huge Burden

I have been in debit, mostly credit card debt, all of my adult life. I am seeing light at the end of the tunnel though--I should be out of debt in a year and a half. I will have my car paid off in a year, and my credit card debt should all be paid off 6 months from then. I can't wait! I will stockpile money after then. I need to bolster my savings for sure, and I also want to buy a house. I could have done so much more if I had not been carrying debt all of these years. There is a lot of Free Financial Help out there for those in debt. I benefitted the most from Dave Ramsey. I don't always agree with what he says, especially about politics, but his message is good. DEBT IS STUPID! And I intend to manage my money so much better in the future. I had drinks with a friend of mine who is now debt free. She got a new job with better pay, and that is the biggest reason she is out of debt. She said to me she thinks she will never be out of debt again, and she just says that it is a mindset. That once you are out of debt, you don't want to be there again. i know that I will feel the same. Once you are out of debt, don't go there again! Make that a mantra!

Looking For Deals On Furniture

I am focused on updating and improving my condo right now, and I am still on a budget, so I need to shop around when buying furniture. Here are the things I need: new Dining Room Furniture , particularly a new dining room table (not sure whether I want a square or Round Dining Table ), and a new desk and dresser for my guest room, and some other miscellaneous things. I might even start looking at some China Cabinets , because I don't have much cupboard space.

My challenges are that I have a small condo, so I have to be creative with my space. Also a small budget, so there again I have to be creative. These two are matched by my small amount of time to go looking for furniture, so I may have to preshop and narrow down my choices online. At any rate, I am very excited and hopeful about finding some good buys and stretching my furniture dollars. I can't afford to buy a house right now, so I want to make my current home as new and exciting and functional as possible.

Money Saving Tip: Don't Pay For Something Twice!

Don't pay for something twice. Especially month after month after month. This should be obvious to anyone on a budget or trying to get out of debt. Well, give me the dunce cap. I just realized I have been paying an internet service twice every month, once through my cable company and once through my phone company. Talk about a dunce! I decided to switch my service from my cable to my phone company to save on my bill. The totals of both bills were too high, and I thought I could save my money by switching from one to another. That was probably true. But in my bizzy bizzy life, I never had time to actually switch it over, and because I was so bizzy bizzy all of the time, I never realized that I never canceled one of them. So for the past 8 months, I have been paying two internet service bills, wasting about $300. Good going!

Fencing A Yard Cost Effectively

Almost every night, or morning, I wish I could just open my door and let my lovely dog Stoopot out to do his business. But I live on the second floor in a condo building, so that is not possible. But, hey, I can dream, can't I? I have many friends who have dogs who do live in homes with fenced in backyards though. And I envy them so much. That would make life just that much easier.

First I would need to buy a house. And I am a ways off from that. And then I would need to fence in the yard. Maybe check out chain link fence san diego and other online sellers. Cost of fencing a yard can be prohibitive, but I have heard that chain link is cost effective. I like wooden privacy fences too. Wooden ones can be beautiful. But chain link is good too, because you can see through it. Fences--one more thing on my list to get.

Best Mystery Shop Ever!

I can't believe it. I just happened to log on to one of the mystery shops sites I use, and wow! I got a shop where I get a $50 bonus for just having a pizza delivered to my house. Gonzo! Not only is there a $50 bonus, but I get reimbursed for the pizza. And it is my favorite pizza company, and I get to order the topping I like. Can it get any better? I don't think so. I want more of these!

Free Wifi At Starbucks!

I am so pumped it is like I am high on caffeine! Starbucks has announced that beginning July 1, it will offer free wifi. Yes, free wifi! No more pesky card or registration. I love to veg out at Starbucks and read up on law or read or write on my blogs. And I have not minded using the Starbucks/AT&T arrangement. But you know what? It will be better without it. Everytime I go, I have to search for my card, and then I have to either use it or put money on it. And then I have to remember how to log on. And all of that is kind of a pain in the butt. And it will be so much nicer when we don't have to fool with that. Starbucks will benefit greatly from this new change.

Debt Really Holds You Back

I am experiencing again the negative effects of debt. I am within two years of being debt free.  Which for me is a miracle. A few years ago, I never thought I would be that close. But thanks to stopping using my credit cards and listening to Dave Ramsey, among other financial gurus, I am closer than ever.

But I have had my law license for a year. I am still at my old job, but have taken a few law cases on the side. And I have had some success.

But if I were debt free right now, I would feel more free quitting my job and hanging my law shingle. But because I am still saddled with debt, I don't feel I can do that. My debt payments still take up too much of my monthly check. This is sad. Debt does limit possibilities. But the good news is, I am getting closer.