Action plan--a bit late, but action
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Action plan--a bit late, but action
| Sat, 11-26-2005 - 10:08pm |
Hi, everyone. Well, I am the turkey of the month. Roasted by DH. Stuffed with overspending on Thanksgiving. Trussed and strung up with an additional $1500 added to the cc the last 3 months. How stupid can one be? Apparently, no one but me. Sooo---DH has decided to take the 10K from the refi (it has to be deposited by a certain time) and pay off my car payment ($6700) and the medical bills. The cc is gone. The card to the credit union, I cut up into a million pieces so I wont be tempted to raid it. Action plan: l) Ssek new or additional job in NY. 2) Take the $300+ for car payment and put it into the e-fund. Yes, it means driving awhile to get there, but at least I cant take it out. 3) Increase from 15% to 20% in 401K thing. 4) DH set up stock account at his bank. Have had enough. Whiz.

Whiz,
Please don't beat yourself up about this. You spent too much on the cards...we've all done that. If we hadn't, we wouldn't be here. :-D It sounds like you and Dh have a plan worked out to remedy the situation, though. Increasing your 401K is a wonderful idea. I wish we had that much going into our retirement account. I think we only have 7% going in right now.
Everything will be ok.
Hugs,
Pat :-D
Hey Whiz,
I use to like to spend money on ridiculous things. I changed the "what I obsess over" to money. I want to try to get as much money as possible. Its now thrilling to see my balance climb every month in my ef, and the cc debt decline.
I just stopped carrying cards. Then a few weeks later I just sent them through the shredder. Now I do not even act like they are "revolving" credit. I treat them like its a debt that I am tired of paying every month. When I go shopping I take cash, what I don't have I can't spend.
Maybe a cash system will be the best bet for you.
Shannon
Shannon