Friday, August 31, 2012

No spend month~September

Well, I have made a decision.  Starting tomorrow, September 1st, I declare it NO SPEND MONTH!  I've started to notice that restless feeling again.  You know, when something is bugging you and you just can't shake it.  For me, it's paying off debt.  A few years ago, after my hubby lost his job due to our lovely economy we were reminded why it is so important to save, save, save.  Wait...scratch that...we were reminded how important it is to GIVE first and then save, save, save.  We currently have car debt and the house debt.  Doesn't sound like too much when others are drowning in much more debt than that.  But, like I said, we've been down this path before and we paid off all that other debt years ago.  But, it creeped back up into our lives and now...well, I am waging war!  I hate debt.  I hate all the bondage it brings.  I hate all the heartache it brings.  I hate the heaviness that it brings.  It really just isn't worth it.  Nope.  All this stuff that I's just junk.  Yea, it might not be junk today, but give it until next season and it will be.  That's just how we Americans have become.  It's a disposable society we live in...and I am the guiltiest one.  So, with that said.  I am commiting to paying off this dreaded car debt first.  With about $8000 left on it...sigh...that may take awhile.  Unless, of course, I stop buying junk.  Even nice junk, like clothes from my favorite store White House Black Market.  Goodness, I love that store.  Just walking in makes me smile.  Okay, enough about that I need to stay focused.  Is it possible to pay it off in 8 months?  Yikes!  That's $1000 every month until May.  Hmmm....I don't know.  BUT, I have to admit that when I look at our checkbook, I do see a lot of areas that can be trimmed.  Like groceries, eating out (although not much of that is going on with a family of 6), my Target jaunts which always cost me way more than I had anticipated walking in.  There is just something about Target that I love.  It's just such a fun store for me to walk in and I always love browsing...ahh...Target.  Okay, back to reality...this dumb debt is weighing on me.  I am ready to say "buh bye" to that nagging feeling of owing someone something.  So, I am taking the pledge (even if it is my own pledge)...I am not spending anything the month of September that is not a necessity.  The necessities would include our giving, house payment, car payment, insurances, utilities, gasoline, and grocery.  I need to look into some of these areas and see where our money is going...the one that jumps right out at me is grocery.  I've already done this weeks grocery shopping and I did really well coming in at around $100 for a family of 6.  However, I had done a pretty large shopping trip the week it doesn't really count.  Next week will be the true test.  I am hoping to stay focused and get this car paid can be done, it will be done.  I just gotta want it bad enough.  Feel free to join me in this debt payoff journey.  Start with your smallest debt.  Maybe it's a gas card, or a credit card.  Just pick your smallest debt and let's do this TOGETHER!  Leave me a comment and we can spur each other on to victory!  C'mon, you know you want to...Right? Right? Anyone?

Do not store up for yourselves treasures on earth, where moth and rust destroy, and where theives break in and steal.  But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where theives do not break in and steal.  For where your treasure is, there your heart will be also.  Matthew 6: 19-21

1 comment:

  1. Hey Jamie I like you I am right with you I hate debt and I am so praying God will get us out of it. Biggest is our adoption. If I stick around your blog enough I see that happening. WE too totally believe in the Treasure principle. YOu cant out give God. Give to the Lord 1st and all the rest falls in place. I would love to say we are debt free with our adoption but we have two zero percent loans. WE thought we was going to be sponsored by some local websites but it has not worked out yet so we are just moving on along trusting God in this JOurney. WE are almost done and we are totally in love with a wee one and so many are in debt for stuff we would rather be in debt over SOME ONE than something. God is the one who sent us on this journey he is the one that will have to provide the means. WE steped out on Faith and we are holding him to His word. Love our blog will forsure keep checking in Love it. Blessings Anne