I don't think anyone would be laughing at your $10 snowflake, I know I have had weeks where I was only able to round up to the next dollar on one payment, but even that made me happier than not adding anything. All those $10 snowflakes really add up, you are doing great! I have days where I look at all my debt and am so overwhelmed, then I have other days where I feel really calm about it and know that I am getting somewhere with it all. Just take it one day and one debt at a time and you will get there. :)
Focus, hon, focus. One step at a time. You KNOW that getting those little things taken care of leads to the next step.....paying more toward your "main target". Which, in turn, leads to the next step.....your next "target".
I know it's frustrating, you've made the decision and started the process to being debt-free, but you want it now. That's pretty typical.
It might help if you put this all down on paper in a "stairstep" fashion. That way you can more easily visualize getting to the next step.
Heck, no, nobody will laugh at your $10 flakes! A flake is a flake, and will help to get the job done. Nobody laughs at Julie (jbtex) for her 'saved change' category-she's proof that no matter how small your snowflake is, every bit helps.
Have you thought about lining up the debts in smallest to largest amounts and working your way up from there? It might do you good to see the 'quick wins', and make you feel better about it all.
I don't think anyone would be laughing at your $10 snowflake, I know I have had weeks where I was only able to round up to the next dollar on one payment, but even that made me happier than not adding anything. All those $10 snowflakes really add up, you are doing great! I have days where I look at all my debt and am so overwhelmed, then I have other days where I feel really calm about it and know that I am getting somewhere with it all. Just take it one day and one debt at a time and you will get there. :)
~leanne
~leanne
deciding to be happy doesn't mean that everything is perfect, but that you had decided to look beyond the imp
Focus, hon, focus. One step at a time. You KNOW that getting those little things taken care of leads to the next step.....paying more toward your "main target". Which, in turn, leads to the next step.....your next "target".
I know it's frustrating, you've made the decision and started the process to being debt-free, but you want it now. That's pretty typical.
It might help if you put this all down on paper in a "stairstep" fashion. That way you can more easily visualize getting to the next step.
Good luck!
Deb
Heck, no, nobody will laugh at your $10 flakes! A flake is a flake, and will help to get the job done. Nobody laughs at Julie (jbtex) for her 'saved change' category-she's proof that no matter how small your snowflake is, every bit helps.
Have you thought about lining up the debts in smallest to largest amounts and working your way up from there? It might do you good to see the 'quick wins', and make you feel better about it all.
Sounds like you're going to do well in 2005!
Lisa :)