OK – so we are in the first month of working on our new debt and re-looking at our overall financial situation. Well, we started out with a bang. We knew we were getting into the ring with a formidable opponent that we had created. Our poor spending decisions, laziness, and vacations fed this beast. And he was looking to take out his pound of flesh with around an 8% interest rate. And really, in the world of credit cards, that definitely isn’t a usurious rate, but it’s still sucking money away from us.
So, while we’re putting our first opponent through boot camp, we were getting fat and living the high life.
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Here at The Door, we need to get out financial house in a little better order. We’ve gone through a lot of ups and down, paying attention and not, spending and scroogery when it comes to our finances. We’ve even gotten to the point were we could call the Dave Ramsey Show and scream WEEEEEEEEEE’REEEEEE DEEEEEEBT FREEEEEEE! After kicking it for a while and starting to save up a pretty good nest egg, we had our first child and got complacent. Now we find ourselves in credit card debt and having car payments. This is just really unacceptable and we are starting to get re-focused so we can try to get to some of our goals and maybe send our child to college in 16 years! Here’s what we are going to do.
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Well, I did it. Actually, I’ll say we did it. The Woman on the Door and I were due to upgrade our phones, so we re-upped with AT&T and took the plunge on some iPhones. I’m really not sure if I’m completely sold on it yet, though. I mean, I like the thing and all, I’m just really not sold on the forced data plan. My wife’s company will pay for her data plan, so that helps, but I’ve yet to ask my company if they’ll cover mine (my hopes are low but I’ll ask anyway).
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OK – so we are in the first month of working on our new debt and re-looking at our overall financial situation. Well, we started out with a bang. We knew we were getting into the ring with a formidable opponent that we had created. Our poor spending decisions, laziness, and vacations fed this beast. And he was looking to take out his pound of flesh with around an 8% interest rate. And really, in the world of credit cards, that definitely isn’t a usurious rate, but it’s still sucking money away from us.