Friday, January 28, 2011

Super Bowl Squares

Happy Friday! not a whole lot going on today. I'm at work. It's sunny outside with high temperature of 70 expected for today. I'm still waiting for all my tax documents to arrive so I can use that money to pay down debt. As you can see, nothing exciting is happening down here.

This morning I decided to do a little gambling on the upcoming Super Bowl game between the Packers and the Steelers. I purchased 2 squares for $10 each. One for me and one for the wife. Any winnings will go towards paying down my debt! Wish me luck!

Have a good weekend!

HS

Wednesday, January 19, 2011

Avoid Using Credit Cards

Avoid using credit cards. Why? see below, credit card companies charge you interest. When I saw this number I was shocked! the number came from my Citi Forward credit card, that's how much they've charged me just for keeping a balance. Keep in mind this balance was never really that high, the average was $3,000 dollars. I still have this balance but I'm hoping the picture below helps me pay it off faster:



That's correct, they charged me $516 dollars, They basically added it to my balance. Haven't paid for it yet but that's still a lot of money. So learn from me and avoid using credit cards. Pay for everything with cash, now if I could only learn this lesson I could have saved $516 dollars.

HS

Monday, January 10, 2011

Transformation

We started week 10 of our Body-for-Life program and it seems I've hit a plateau, the weight is no longer melting, in fact based on my belt I might have added some. Not sure what's going on, nothing has changed, I'm still working out 6 days a week and watching everything we eat. I think my body is confused, it wants to go back to the old me and I won't allow it.

I started reading a new book by the same author, it is called Transformation: The Mindset You Need, The Body You Want. The Life You Deserve. Search for it on Amazon. It is a good book and basically it wants you healthier, happier and more alive. I never thought I would be reading self help books in my 30's but look at me now. I admit, I enjoy learning new things and perhaps this book can help me change. I need to change and grow up but change can be hard. I miss going out to bars, drinking and smoking, waking up with a hangover and going for some fast food. I miss the social scene: friends, ladies, expensive clothes. Lately my Saturday nights consist of making dinner at home or going to bed at 10!

Anyone else trying to grow up or I'm the only one? LOL

Don't worry, this is the last post about me, I need to focus on debt, now that's a crisis I really need to tackle, we are close to $8,000 in credit card debt again...

HS

Monday, January 3, 2011

Happy New Year

Happy New Year! This is my first post for 2011. 2010 was a good year but it was very expensive. We added close to $8,000 in credit card debt. I simply can't control credit card spending, I know I've had a few posts on that subject and ideas to control it but I'm just not there yet. We are spending way more than we earn. Hopefully 2011 will be the year of less debt and more income. I'm hoping to get a raise in September 2011 or a new job as soon as possible.

New Year Resolutions:

Me: Continue Body-For-Life program. We started week 9 and my weight is down to 192.2 lbs according to the scale this morning (216 on Nov 8). We have 3 weeks to complete our 12 week session. We are hoping to start a new session in 3 weeks and continue our transformation. I will continue posting my progress and hopefully share my new abs with everyone.

Money: Read Dave Ramsey's Total Money Makeover again! I love this book and my goal is to live by it. I know I criticize Dave a lot but I think I can do this. I'm going to pick up a copy on Ebay and read it all over again! I need money inspiration for 2011 and better ideas to help pay down my debt.

Debt: Pay off all credit card debt and stop using credit cards. I'm hoping to accomplish this by using our tax return money and making $1000 dollar payments to debt every month. I don't carry any credit cards with me and I plan to use cash from ATM every week.

No other resolutions for this year! keeping it simple and hopefully my readers can keep me accountable :)

What are your new year's resolutions?

HS