Ten months ago today I recieved an amazing gift. (coincedentally, it was my birthday) The Loan Shark and Sharkess signed the gift letter showing that they were going to gift me the down payment to my house.
I have been doing my best to send them as much money as I can ever since. Which hasn't been as much as I wanted.
Last week, the IRS sent me my refund check (even though they teased me and told me it would be 6 weeks, it arrived a couple of days later)
About 30 minutes ago, I arranged to pay the balance to the LS family. Then I scheduled a payment that would wipe out my credit card.
I think I have enough to cover the last two bills as well although I may choose to knock out one of them and leave myself a little cushion. i like cushions. I'm expecting to be debt free (again) within 3 months.
I know that in order to remain this way, I am going to have to change some habits. I am already working on those.
Last weekend, when Cheese suggested we hit Costco, I declined. I didn't need anything there and tend to spend. Today, there was a man on craigslist selling a shop full of tools for $700 bux. SUCH a good deal. I have it, I could do it. but i know they would sit in my garage until i get around to cleaning it. progress on that project is SLOW. really slow. And i would incur more debt via interest rates while my shop full of toold gathered dust.
I'm learning. I'm trying to curb my spending habits. permenantly, not just until i get another wild hair to buy something cool.
There is so much cool stuff to have...