I'm poor. Financially, I make less than what is necessary for me to take care of myself and my three children. But, dammit,I'm good at money management. My recent problem is that money management takes time, and since I had to go back to work, I'm also bankrupt in that department too.
Talking about goals, one of the things I worked very hard for that was completely annihilated by the divorce was to be debt free. When I left my ex, every bill I had ever incurred was paid off in full- except the house. But after sabotaging my job, refusing to pay child care until the divorce was final and he was court ordered to, and playing expensive psychological and emotional games with my health- in addition to the divorce costs, I also found myself using my credit card to survive, even with extensive help from my parents.
Well, now I have a job that pays me a livable wage, but only IF I can get these bills eliminated.
Super budgeting me has to take the time. So here are my financial goals:
*Be able to pay all of my bills with no assistance from others
*Pay off my credit card
*Pay off my medical bills
*Be able to start saving money again and create an emergency fund
To do this, I need to carefully rethink how I spend my money.
Today, I found this handy little link on how to save money on utulities. I don't have time for couponing anymore, but I do want to start using my Swagbucks account again so I can go back to buying gifts on Amazon for free with my points.
This summer, I am going to get a job to start aggressively paying on that darn credit card. In 10 years, I want to make a promise to myself that I will have paid my parents back every cent that I took from them.
Now- to the spreadsheet!
Talking about goals, one of the things I worked very hard for that was completely annihilated by the divorce was to be debt free. When I left my ex, every bill I had ever incurred was paid off in full- except the house. But after sabotaging my job, refusing to pay child care until the divorce was final and he was court ordered to, and playing expensive psychological and emotional games with my health- in addition to the divorce costs, I also found myself using my credit card to survive, even with extensive help from my parents.
Well, now I have a job that pays me a livable wage, but only IF I can get these bills eliminated.
Super budgeting me has to take the time. So here are my financial goals:
*Be able to pay all of my bills with no assistance from others
*Pay off my credit card
*Pay off my medical bills
*Be able to start saving money again and create an emergency fund
To do this, I need to carefully rethink how I spend my money.
Today, I found this handy little link on how to save money on utulities. I don't have time for couponing anymore, but I do want to start using my Swagbucks account again so I can go back to buying gifts on Amazon for free with my points.
This summer, I am going to get a job to start aggressively paying on that darn credit card. In 10 years, I want to make a promise to myself that I will have paid my parents back every cent that I took from them.
Now- to the spreadsheet!
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