I just spent the last hour writing down all the information on my credit cards (for information sake) and cutting each one up. That is 9 cards all together (3 store cards and 6 credit cards). Two of the cards were empty - the other 7 practically maxed. Now, I have only my debit card - good news - I have only overdrawn my account once and it was by a stupid mistake (I didn't realize it takes a few days for a paycheck to go through - I was 18) and I'll slit my wrists before I overdraw again.
*I know, bad/gross attempt at humor- but I'm trying to give you an idea about how upset I am about my problem.*
P.S. I do have overdraft protection.
I realized I had a shopping/ going out to eat problem back in May '08 but wasn't really able to do anything about it. I transferred some balances onto 0% cards- but it didn't work, I just charged the old ones back up and added new stuff to the "0 precents". Stupid I know - but, I wasn't exactly thinking about being responsible. I was thinking "if I'm going down I might as well enjoy it". I was depressed, but in a odd way, still trying to stay above water.
I decided to get a second job. It took a few months to get a second job that would work with my slightly weird availability (every other day). I got the part-time position at PetSmart in August. The hours still aren't as many as I'd like to have...but we're in a Recession ...I know - GREAT).
I have got to STOP charging. I have to LIVE on my paycheck. I have to eat at HOME. I have to. There isn't any other options.
Please, Give me Encouragement. And Easy to Make Recipes. :)
1 comment:
I'm glad you cut them up. We can get out of debt but it will take time and discipline. Love you.
Will start going thru recipes. We need to eat at home more too. Lots of people brought us meals and as such ideas of things to make.
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