Today I watched the final episode of Oprah's Debt Diet. After each of the first 4 episodes, it ended with me getting sort-of excited about getting out of debt. Today, I am a GAZELLE (read Dave Ramsey's book, Total Money Makeover). Even though it feels so daunting to look at the spreadsheet I have of our debt because of the extent of it, I know that one day we'll be done with it all! I have completed our first zero-based budget, where I have assigned every dollar we have coming in this coming month to how it is going to be spent. I've always known that we live paycheck-to-paycheck, something we'll be done doing eventually, and that our budget is very tight, but without this specific budget, I was always just HOPING that at the end of the month we'd still have enough money. Now I know that for July we should have approximately $130 extra. Before this new budgeting technique, I never would have imagine we'd have that amount left-over. What a huge snowball that will go far, very fast!
I'm also trying to add to our income a little bit at a time. For example, I just recently sold a few books on cash4books.net. Not much $ there, but today they bought a book that they didn't buy yesterday. Always trying to get rid of more of our stuff. I've been completing surveys online at opinionoutpost.com. Just today I requested my check of $12. I received a $10 rebate check from Kraft Foods. I will receive a $5 rebate and $15 in giftcards to Rite-Aid. Now to make craigslist my friend and get rid of everything we don't need.
Slowly but surely this will all add up.
I am also going to re-read
to further intensify my heart for getting out of debt!