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A Few Updates from the Night Owl


It’s past my bedtime, but I thought I’d mention a few things while they are on my mind.

I haven’t posted as much as I would have liked to this week. I guess I just have been a little bummed about having to use my credit card to buy groceries.

But I am happy to report that just a few minutes ago I paid the amount back that I spent and I also sent some extra money to another credit card. Total debt as of this moment – $31,429. This time I made sure I left enough “fun” money in the account to stick to the compromise made with my husband 😉

I also wanted to warn everyone that there may be another make-over shortly. Although I like this template, the small width of my posts is making it difficult to post screenshots. I still owe a post about tracking cash in Quicken, but now I am having troubles getting the screen shots to post so you can read them. I am hoping to finalize the new one this weekend.

As always, thanks for your patience and thanks for reading.

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 🙂