|
YES!
My change came before 9/11. Living from pay check to pay check was not my idea of living. Making over $55K and still in debt was crazy, so I chose to do something about it. Being unsecured debt free is the best thing.
I buy cards for .39 each, people rarely read them, and if you looking for Hallmark on the back, then you are just too shallow. I buy nice Christmas gifts, but I start the day after Christmas, and I try to but 1-2 gifts a month, cash only, catching things on sale.
I shop with coupons on sale items. I cook a lot frm scratch. How many pair of black shoes can you have, believe me too many. 5 years ago, I had 40 pair. I cleaned house, simplifying my life, donated to women shelters, salvation army, friends, etc. Stopped charging, closed out accounts, went from 7 Visa's to just 1 with a 9.9 interest rate. Driving a 7 year old car, instead of trading a car in every 2 years, got an emergency fund, money in the bank. I don't deprive myself, because I still travel, eat out on occassion, shop for clothes, give the baby, wedding, birthday, Christmas gifts, but I have taken control of my spending, and got my life back.
|