Got a letter from my doctor's billing office that if I didn't pay off my balance by October 9, they will no longer consider me a patient. It's not a big balance and I've been paying the $25 a month, but they decided they want their $103 now. I also promised my dentist I would pay my balance of $90 when I get paid on the 21st. Yikes.
I pulled up my budget, which I have in an Excel file and got to work. I'm having some surgery next week and will have to be housebound for three weeks, so I reduced the amount I save for gas by $50. Plus my husband goes bird hunting every chance he gets, and of course takes my truck, so I think I'm safe saving a little less for gas. I just had my hair cut last month into a short pixie, so I reduced that line item to 0. Another $30 towards the dentist or doctor. I reduced my grocery amount by $25 since Jim is gone a lot in October and the rest I (gulp) reduced my credit card payment by. That hurt.
While I was at it, I refigured future credit card payment, increased them a bit and look to have the balance GONE by July of next year. IF I happen to sell anything I write, the entire amount goes towards that balance to pay it off even earlier.
I would never have believed I could be so money conscious and actually not feel deprived that I can't go out and just buy what I want. That's what got me in trouble in the first place all three times. I am so looking forward to being debt free!
I pulled up my budget, which I have in an Excel file and got to work. I'm having some surgery next week and will have to be housebound for three weeks, so I reduced the amount I save for gas by $50. Plus my husband goes bird hunting every chance he gets, and of course takes my truck, so I think I'm safe saving a little less for gas. I just had my hair cut last month into a short pixie, so I reduced that line item to 0. Another $30 towards the dentist or doctor. I reduced my grocery amount by $25 since Jim is gone a lot in October and the rest I (gulp) reduced my credit card payment by. That hurt.
While I was at it, I refigured future credit card payment, increased them a bit and look to have the balance GONE by July of next year. IF I happen to sell anything I write, the entire amount goes towards that balance to pay it off even earlier.
I would never have believed I could be so money conscious and actually not feel deprived that I can't go out and just buy what I want. That's what got me in trouble in the first place all three times. I am so looking forward to being debt free!
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