It’s starting to happen. As the credit card bills roll in I realize that the steps I’ve taken over the last 6 weeks are paying off. My credit card bills are down $700 from my average bill. It feels amazing. I don’t wait to open the credit card bills like I used to do. I’m keeping track of my spending. And it’s going down. I’m using the debit card more often.
I’m questioning each charge- do I really need that? Can it wait? Is it really worth $40 to me? Pretty much, when I buy something now, if I don’t love it, it goes back to Amazon. Yes, I use Amazon for many of my purchases. Now, I’m also looking at their deals- especially lightening deals. I want the best deal now. Before, I would buy anything that was at a discount. Not anymore.
I feel in control and not on the defensive. And it feels really good. Dave Ramsey always says, “the psychology is more important than the math.” Winning with money. Still lots of work ahead of me, but I am on the path and I am in control.
I estimate I will be done with my car payments in 9 months. So excited for that. I’m analyzing that if I can cut back here and there, if maybe it can be sooner like 5 or 6 months. And then that money will go into saving and investing.
It’s starting to happen 👍