We worked it out. I hate ultimatums, but damn if I didn't have to give one. I'll spare details. This is a blog about my financial crises and not my romantic life, and I'd like to keep it that way. The good side of this is bills are paid on time and my grant check, which came on Thursday, can be used towards my financial goals. This is fantastic!!
Now, the punch list to your left-- my Pitiful Portfolio-- has a method to it. I've decided to put my current savings first, and save the delinquent stuff (which has already caused all the damage it could possibly cause) for when I feel financially secure. That means, I want $2,500 in a savings account and $2,500 in an emergency credit card. After having that card for another year and a half, I'll be able to get that $2,500 deposit back and transfer it into my savings. And, hopefully, at that point it will double it, making $5,000 in savings, $2,500 emergency card and a dent into the debt.
When I have my $5k stashed, I'll start working from the bottom up. I'll get rid of the smaller collections accounts, gradually make my way up and then settle on some of the big jobs.
I'll post again a little later with my updated spending. And at the end of the month, I promise to provide a spreadsheet and graphs to really make it apparent where I'm spending too much unnecessary money. But, I'd like to make this clear again. I want to be out of debt by working for it. I'm not looking for handouts or a saving grace. I want to work for it. I do want advice and help, but I also want it understood that I'm trying to build a life and enjoy life now too. I ask for very little-- a garden, art supplies, bathroom furniture, some work clothes. I won't be giving up spending entirely and foregoing enjoyment until the day I break even. I'm doing this so that I can worry LESS, not MORE.
Thank you, current and future readers, for your support and understanding.
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