This year is a year of change for me. I'm on a mission to save as much money as I
can by getting rid of the excess in my life.
I want to convert my garage into a one bedroom house and I want to pay
cash for it. And I want it completed by
the end of the year. Big dream; Big changes.
So, here are some of my changes:
No lending money to anyone.
No charging on my one credit card unless it is for monthly
bills that I pay anyway. (That will save
me $500 - $1000 a month)
Cash purchases only.
Paying with cash always makes me stop and think.
No impulse buying.
That always gets me and I find that most of what I buy is want and not
need.
A strict monthly budget where every dollar has a name.
If you are in debt, living beyond your means, spending money
you don't have, couldn't pay for a new car battery because you have no savings,
you are a slave. A slave to debt.
Don't say you can't do it.
The truth is that most of us don't want to do it. We want what we want when we want it. We are like spoiled brats.
If you have animals, car notes, big screen tv's, go out to
eat, have cable, buy a new cell phone every year, spend outrageously at
Christmas, then you choose to be broke.
Choose to be debt free and see how much money you really have.
I see so many people who dream of making big bucks and have
no plan or desire to get out of debt.
They think when they make those big bucks, THEN they will start paying
off their debt. HA! If that dream does come true, the chances of
them getting out of debt are smaller than the chance of making big money. You have to know you need to change and then
make a plan to change it.
Anyone can do it. You
just have to want it more than you want the stuff.
Start 2016 by getting your life in order to become
financially free. Check out Dave
Ramsey's Baby Steps for how to advice.
I love this quote by Dave:
"live your life like no one else (frugally to get out of debt) so
you can live your life like no one else (being debt free and living abundantly)."
I am listening to Total Money Makeover to and from
work. I will finish the book tomorrow
evening. Just 3 daily commutes is all it
is taking. This weekend will be spent
working on that new budget.
My goal is to save at least $1500 a month. I’ll keep you posted!
Debt free is the way to be!
copyrighted 2016
caryn cannatella
Skinny Fiber
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