WHERES MY MONEY?

OK, SO HERE IT GOES.....

THIS IS THE OFFICIAL BEGINNING OF TRACKING WHERE MY MONEY GOES.
BECAUSE IT GOES, AND NEVER COMES BACK.
AND THAT JUST STINKS.

IN MY QUEST TO BE A BETTER MONEY MANAGER, I AM CHOOSING A FEW THINGS THAT I CAN "CANCEL"- SUBSCRIPTIONS, CABLE/SATTELITE, NETFLIX, IF ITS EXTRA, WE ARE GIVING IT UP. I AM EVEN PARTING *SNIFF* WITH INTERNET AND TEXTING ON MY CELL PHONE FOR A FEW MONTHS TO CUT BACK ON THE COST OF THAT BILL, SO I CAN PAY OFF SOME OTHER DEBT.( OOH THE KIDS ARE GONNA HATE THIS)

WE ARE ALSO ALL CLIPPING COUPONS- IF THERE IS NO COUPON- WE AINT BUYIN IT...

THIS BETTER WORK OR IM GONNA BE MADE MISERABLE FOR NOTHING. :)

AS FAR AS MEDICAL BILLS GO, THEY ALL HAVE AN AUTOMATIC PAYMENT PLAN, SO THEY WILL BE PAID IN TIME...LITTLE BY LITTLE.

WE DISCOVERED WE CAN USE OUR FLEXIBLE SPENDING ACCOUNT FOR PRESCRIPTIONS AS WELL AS OVER THE COUNTER THINGS- JUST GOTTA REMEMBER TO KEEP THE RECIEPTS.

ALSO HEARD- (DIDNT KNOW THIS) THAT IF YOU KEEP THINGS PLUGGED IN ALL DAY THEY USE POWER- EVEN THOUGH THEY ARENT ON...SO I GOT OUT ALL THE SURGE PROTECTORS AND REARRANGED JUST ABOUT EVERYTHING THATS PLUGGED IN TO SAVE A FEW BUCKS- IT WAS TRUE! I CHECKED THE METER AND IT SLOWED DRASTICALLY.


SO HERE ARE THE BILLS, IN NO PARTICULAR ORDER....

THINGS THAT WONT PAY OFF SUPER FAST:

HOUSE- WE LIVE IN
HOUSE -WE LIVE IN
HOUSE- WE RENT OUT
TRUCK 1
TRUCK 2
DVC
PERSONAL LOAN
INSURANCE

CREDIT CARDS I CAN PAY OFF FAST:

VISA
CAP1-J
CAP1-A
DISCOVER

NORMAL STUFF:

HOME PHONE
CELL PHONE
ELECTRIC
TRASH
PROPANE
SATELLITE
HUGHES NET
PROP TAXES

GROCERIES
GAS
MEDICAL BILLS
NETFLIX
ENTERTAINMENT



THE NUMBERS ARENT LARGE ON THE CREDIT CARDS- TOTALLY GOING TO BE MY FIRST ACHIEVEMENT. THE PERSONAL LOAN IS KINDA SMALL TOO. BUT IM AFTER THE BIG DOGS....THE TRUCKS AND THE SECOND MORTGAGE.

SO IF ANYONE HAS ANY GOOD IDEAS AS TO HOW TO PAY THIS OFF- LET ME KNOW. I HAVE BEEN SENT TO DAVE RAMSEYS WEBSITE A COUPLE TIMES, AND ALI HAS BEEN A BIG HELP IN TELLING ME TO TELL MYSELF NO TO THINGS UNTIL WE ARE OK....

DEBT IS A SERIOUS PROBLEM FOR MOST FAMILIES, AND WE ARE NOT ALONE, OUR DEBT WE HAVE ACQUIRED KNOWINGLY, AND WE HAVE TO ACCEPT AND DEAL WITH THE CONSEQUENCES. TRYING TO KEEP THINGS PAID UP IS A TASK, BUT TRYING TO PAY THEM OFF EARLY IS NEARLY IMPOSSIBLE FOR MOST PEOPLE. IT IS HARD TO PAY PETER WHILE ROBBING PAUL- I KNOW I AM SITTING THERE. MAKING DECISIONS ABOUT KEEPING THE GROCERIES OR BUYING GAS FOR THE CAR ISNT ALWAYS EASY.
WE ARE NOT CARRYING OUR DEBIT CARDS ANYMORE. WE DO NOT HAVE A CHECKBOOK ON US. WE DO NOT GO WINDOW SHOPPING OR TO FLEA MARKETS OR TO GARAGE SALES.--LOOKING LEADS TO BUYING.......BUYING LEADS TO BLAME AND GUILT.

ITS ALL UNNEEDED. I HAVE BEEN READING PROVERBS THIS WEEK EACH DAY BEFORE I START WORKING, AND THE ONE THING I KEEP GOING BACK TO IS PROVERBS 3.
I READ IT OVER AND OVER AND NOW I HAVE HAD THE REALIZATION I CAN DO THIS.

IM HOPING PUTTING MY FINANCES OUT THERE FOR YOU TO SEE AND WATCH MY JOURNEY IS GOING TO BENEFIT SOMEONE.

AND IF ANYONE WANTS TO CONTRIBUTE FROM THEIR EXPERIENCE PLEASE DO NOT HESITATE TO LET ME KNOW.....IM GLAD FOR ANY AND ALL ADVICE.....