So, Randy and I had a good chat last night about our credit card debt. Wow. Very scary to think that we have let ourselves go like we have. With very little in savgins, which is I think MORE scary! So we have to stop the bleeding.
Here is the plan. Every dollar I make babysitting the two boys will go right to debt, as well as Randy's paychecks from cleaning at night. We will budget what he makes from the church and live off that solely. We will spend cash and cash only. I think I have to leave any piece of plastic at home and if I have no more cash for the month then I am done. Thats it. No more excuses or saying, we'll just pay it off next month. NO MORE!
May will be the first month we try this... we shall see how we do. I may even go back to donating plasma which will give us $240 a month if I go twice a week in the right time frame to get the $60 a month.
WIthout the plasma money, that was just thrown in now, we can have it all paid off, including Randy's student loan and our van by August 2011. Now that is straight through, no bumps or interruptions. That is being very disciplined and not spending anymore extra.
Wow. That is all I have to say. I want to also set up a savings account for both our children and start putting money away for that. If they want to go to college someday that would be great of us to start doing that now! Also, Randy and I want to eventually retire and not have to worry about money, so we are going to have to start putting money aside for that.
I can see where money can be be a big stress on a marriage, but Randy and I have now a firm graspe on our goals and what we want to accomplish. Just staying faithful to those goals is what is going to be so hard. But, we can do it! God will help us. I believe that with all my heart!
Ok, gotta go get Sophia something to eat and get her to rest. At 1:00 I am walking with a good friend and a nap before we go would be wonderful. Elliot is sleeping already on the floor. He fell asleep a little bit ago. Love my children!
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