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It Was Hard to do, But We Made a “Fun” Purchase


Part of the compromise with my husband was to spend some money on “fun” things this summer. I admit, I was so focused on eliminating debt that I soon forgot about having some fun. After we put them in our shopping cart, I told my husband to head for the check-out before I change my mind – LOL.

We bought one 2-Person inflatable kayak and one 1-person.

And let me tell you, we took them out today and had a blast!! My son keeps saying, “Thank you for the fun day.” It was worth the purchase price to see the smile on his face as we were paddling across the lake.

I have a feeling we will get a great deal of use out of these kayaks and I know they were worth the money. And the best part of all – they were paid with cash!!

I hope everyone else is enjoying the weekend!

Taking Inventory of the Things You Don’t Really Need


While trying to fall asleep one night, I was looking around my bedroom and started thinking about how many things I have in my bedroom that I don’t really need. Then I started thinking about other rooms of the house and before I knew it I had a mental list many pages long.

Going through that exercise helped me realize two things:

1.) I have bought many things over the years that I really didn’t need. Going through and really thinking about everything, I see things that were purchased that I thought I needed, but really didn’t. With just doing this exercise mentally, I can only imagine how many more pages would be added when I actually look around every room and physically check every nook and cranny.

2.) I have the makings for a pretty good garage sale. I don’t like having a garage sale unless I have quite a few items to sell. After taking the mental inventory, I realize that I have more I can sell than I thought I did. So, my project for this summer is to have a garage sale and all proceeds will go directly towards debt. What I will do is go room to room just like I did with my mental inventory and have a large box ready to throw everything in.

I’m glad I did this. It gave me a lot to think about the next time I want to buy something. I’ll also hopefully have some more money to put towards debt after having a good-sized garage sale ๐Ÿ™‚

Do You Have a Problem Spending Money?


I was surfing the web and came across this neat quiz from MSN. It’s their “Savvy Spending Quiz.”

Savvy Spending Quiz

I should be so ashamed of myself. My score is 25 out of 100! I really flunked that one – LOL. It shouldn’t be a laughing matter, but sometimes you have to laugh to keep sane.

My results basically told me what I already know – that I have a credit management problem. I do have to argue a little bit with that one. I am learning all the tools and I already know quite a few that I need to manage my credit. I just need more funds to pay everything! I am just laughing right now. Now I just had the urge to cry. But I won’t. I must stay strong and focused.

Technorati Tags: spending+quiz, credit+management, credit+problem

What Would You Do With 20 Dollars?


So many times I’ve been asked, “What would you do with a million dollars?” I pretty much say the same thing every time. My number one thing – pay off debt!! Then, I would give to my family and to charity. I’d also invest, but if you asked me to be more specific, I couldn’t. I’ve been too focused on using extra funds to pay off debt, that I wouldn’t know the first thing to do.

But let’s put a little twist on it…

What would you do with 20 dollars?

I’ll start. First thing I’d do is rent two $0.99 DVDs (one for my son, one for mom and dad), and then put the rest into our checking account to go towards bills/debt.

Not very exciting – but a true story since it has happened before.

What about you?