Tuesday, September 8, 2015

Debt Quote Tuesday May 17, 2011

After the $10,000 payoff announcement the other day I thought today would be the perfect time to revisit my very first Debt Quote Tuesday post. 

Consider what a great forest is set on fire by a small spark.
-James 3:5
I haven't much left in the budget this week but I'm not going to get discouraged about it. There have been a few days during these past couple weeks when I've considered my lack of discipline, I've looked at the plans and plans and more plans spread way out into the future which I've made in hopes of tackling this debt and I've been nothing but discouraged. Sometimes it just looks to big, the overall process. Sometimes I begin to lose momentum and I just want to go back to the old ways, to charge and spend and live it up right NOW. 
I think I'm slowly working away from those negative moments of discouragement and doubt though. I'm learning that I cannot hold the weight of one or two bad decisions or financial slip ups over my head. When I screw up I have to let it go and move on. I heard the above verse spoken today and I thought about this financial struggle. I can only do this thing if I keep the fire inside burning. When the flame starts to die down the struggle and toil and journey become to difficult to handle. I'm relying on a small spark to burn a mighty forest and I cannot keep beating myself up and risking extinguishing the flame.

I'm REALLY thankful for this blog. Having to face the music everyday is really keeping me and my spending in check. Constantly re-evaluating where the money is going and what wasteful habits we have is seriously helping me change for the better. I love that people are following along with me on my journey. I love that (slowly but surely) I am climbing out of the hole and even though some days all I can do is stop and cling to the steep crumbling dirt lining the walls of my pit and simply catch my breath and look at the bright sky up above past the opening, I am getting there. I am getting out. I am on my way to freedom. The fire burns brighter!
Since this post, over four years ago I've slowly but surely made my way considerably further up the debt hole. The sky above is seemingly getting brighter and certainly getting closer. Thank-you to every one of you who has come along for the journey. Every comment, every stop by, every one of you who visits regularly or stops by occasionally has helped me to keep the flame going. Thank-you all!

Spending rundown today: I had a small list of things I needed to pick up today on the way out of work: milk, dish soap, eggs, chocolate chips. I kept adding things to the list while I was working at the store. When it was time to leave I told myself "I do not want to spend more than $15 today." I started getting groceries, adding things up as I went. I went over $15 but couldn't figure out what to put back so I didn't. "Gah, plan ruined." When I got to the check out I realized I had a $2 off coupon in my wallet. The total came to $16.96 but the $2 off coupon brought it down to $14.96. I managed to meet my goal/ stick to the plan by default. Oh, I will take that victory any day!

My budget for the month is $513.62 which leaves $360.71

Average daily spending for 2015: $18.03


  1. Oh yea....I'm not jealous at ALL that you stuck with your budget & I went $150 over mine :) It is hard to keep motivated but in all honesty, reading your blog every day and corresponding with you helps me more than you will ever know - it makes ME accountable too and when you say "let it go and move on" - it makes it a little easier to handle!!!

    It is very easy to get discouraged with finances - it is SOOOOO easy to stick your head in the sand or rationalize EVERYTHING like we did and spend money - it is soooooo much harder to save it and spend it wisely. That is why we all have to stick together and help each other out!!!!

    GREAT JOB sticking within your budget - that is awesome!!!

    1. If I can be of any help to you at all that makes me unbelievably happy. Thank-you Sue! You're doing great. It's all about the baby steps right :)

  2. It is, but I don't have the luxury of time to take as many baby steps as you - I need to start walking a lot faster :)

    1. Okay that made me laugh but truly we all feel that way. We should be pouring money into retirement right now but there' s no extra because of the debt. Just keep baby stepping!

  3. You are so so impressive!!!! That is a lot to pay off and so fast. YOu will get there soon enough.
    We didn't have credit card debit for many, many years and then I went crazy and bought a car and spent our reserves. I got 0% for one year on the credit card but still I better find a way to pay it off and quick.

    1. Thank-you! I finally feel like there will be an end to this madness.
      I hope you get your caught back up soon. That 0% is so hard to resist, isn't it :)