Category Archives: Me vs. Credit Card Debt

Ready For Fall

Well hello to my GORGEOUS readers (I’m drinking wine so I may or may not, but probably do have my beer goggles on).

It has been one looooooooong summer and I am so ready for fall (and no, it is not because of “pumpkin spice latte” season…geez, I’m not THAT much of the stereotypical white girl).

Summer sucks for the following reasons:

  • Any temperature over 85 degrees is miserable.  I already know I am going to “Hell”, I don’t need to get acclimated to the temps yet.
  • anigif_enhanced-buzz-29343-1373055715-0Wildfire season.
  • Bugs.
  • Bikinis (I gained 15 pounds this summer, so even a moo moo was hard to squeeze into).

P and I also had a very expensive summer.  With a summer mix tape that included songs like “Not Cooking At Home Boo (Too Hot To Turn On The Oven)”, “Oh SH$# My Car Broke Down…Again”, “We Broke As F&%$, But Let’s Go Out Of Town Anyway”, and the always classic “Sipping On $8.00 Beers With Our Friends (You Only Live Once) Remix” our debt has gotten out of control.chow-yun-fat-lighting-cigarette-with-burning-money

Why is it that I always feel like we take two steps forward with our debt promptly followed by two steps back?

Whoa…

Holy late 1980’s Pop Song Epiphany Batman!

I just realized when it comes to how P and I view money, I am Paula Abdul and P is that cartoon fox with the wife beater and suspenders (it is a fox, right?) in the classic “Opposites Attract” video.

See?  Who needs therapy when some old school Paula vibes will suffice?!

Back to what this blog is about:  Fall!!!!

This is what I LOVE about fall:

  • Soup.
  • Hot chocolate.
  • Boot weather.
  • Football season (Go Hawks).
  • Leaves changing.
  • Bugs dying.
  • Halloween.
  • Clothing that covers everything is finally acceptable to wear once more.full-body-sweater
  • Blissfully making the transition from summer social butterfly to spinning a hermit cocoon for the fall.

I LOVE FALL!!!!!

Can’t wait to drop some lbs and save some monies (not a typo, just had to drop a rhyme) this fall!

Ang

5 Simple Ways To Start Getting Out Of Debt Now

After years of drowning in credit card debt and student loan debt, this gal started a blog 2 years ago in the hopes of chronically her journey to becoming debt free.

2 years later…

Well, shit!!!   I am still in debt but at least my head is finally above water enough to breathe again.  Ahhhhh.

Even though there is still a loooooong way to go for me to becoming debt free, my debt is dwindling little by little each month.  If you can relate to being in debt (which according to an article published by nerdwallet.com most of you can) I would like to share some simple things that YOU can do NOW (God, don’t you just love the power of capping specific words) in order to get out of debt sooner rather than later.

1.  Get Honest.

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Though I am sure there is a more eloquent way of expressing this step, to put it simply this step sucks donkey balls.

Get honest with yourself.  Get honest with your partner if you share (or are planning to share) finances.  Find out how much you owe, to whom you owe it, and how much interest you are getting slapped with each month.

Yes, this means opening up that stack of mail you have been avoiding.

Yes, this means getting on the phone and trying to lower your interest rates.

Yes, this means being proactive about your money…or lack thereof.

2.  Put Those Credit Cards On Ice.

Credit-Card-in-Ice

Saw this trick in one of my fave guilty pleasure movies Confessions of a Shopaholic.  Any credit card you have in the house, freeze it.

Now.

If by chance you don’t heed my advice, think of it like this:  Credit cards are like the Kardashians.   Evil, vile things made of plastic that do more harm than good for the American public.

3.  Cut Off Your Cable.

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This step sucks too, but only initially.

Do I miss my DVR?  On Demand?  Bravo?  Yes, yes, and sweet Jesus, YES!

By shutting off the cable, am I saving money?  Am I still breathing?  Did life continue to go on?  Yes, yes, and YES!

My husband and I shut off our cable last spring and we ended up saving an additional $70.00 a month.  That is an additional $840 a year we can put towards our debt.

With options like Netflix, hulu and youtube do any of us really need cable?

4.  Staying In To Eat.

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It is amazing to me how much it costs to go out to eat.  I didn’t realize it was an issue for our household until my husband and I had an epiphany a few summers ago.  We could not figure out where our money was going each month.  When I went back a few months to review our bank records (step 1, getting honest) I was shocked to learn that we had been spending an average of $1,000 a month on eating at restaurants and going to bars with friends!  Shocking and also embarrassing.  Now we try to prepare breakfast, lunch and dinner ourselves 85% of the time.  That extra money we save goes to extra payments on our debt.  You live and you learn.

5.  Start Now.

dublin-marathon

When it comes to getting out of debt, it is a marathon, not a sprint.  Unless of course you win the lottery, then getting debt free is a sprint.  A beautiful sprint that ends up with beachfront property in Maui, and with a pool that comes with a pool boy named Fernando with washboard abs and an ass you can bounce a quarter off of…errr…sorry, got off topic.

Where were we?  Oh yes, start getting debt free by making small changes in your everyday life.

If you go to Starbucks twice a week, change it to once a week.  Then cut it down to just a monthly visit.

If you make it a habit to routinely go out to dinner with friends/family and order an appetizer, an entree and a couple of cocktails, cut it down.  Opt for just an appetizer or entree and a water (alcohol is waaaaay more expensive at bars/restaurants, and people won’t judge you as much when you down a few drinks in the privacy of your own home).  Not only are you cutting down on the price BUT you are cutting down on calories too.  Win-win.

Instead of going to an expensive salon, try out a beauty school instead.  This past fall, I got a great haircut for $10!

Prioritize what your “wants” are vs. your “needs”.

You will be feeling like a baller as your debt gets smaller.

Thanks for reading!  Now go get honest with your bad self!

Ang

Also, don’t hesitate to like my facebook page and follow me on instagram!

AutoMO’BILLS

I watch a woman on a regular basis.  Okay, that sounds creepier than it actually is.  Let me start over: I look longingly at a woman every morning with unabashed envy…crap.  Is it just me or am I sounding very reminiscent of Hedy in “Single White Female”?  Please allow me to explain before you judge me (and turn me in to the proper authorities).

I work in a very lovely office with LOTS of windows.  It lets in the natural light, but it provides quite the temptation for distraction.  A few months back I noticed an attractive woman in an even more attractive red pea coat walking through the parking lot.  It was obvious that she was walking to work.

Then I saw her and her fabulous coat the next day.

Then the next day.

Then it was Saturday and Sunday so I didn’t see her.

Then on Monday I saw her again.

Then again.

Then again.  By the way, I am fully aware that you got the point three lines ago, but I am procrastinating on where to begin my next paragraph, so bare with me.

Then again.

Then again. Okay, I’m done now.

So watching the gorgeous red coat with a girl in it got me thinking on how lovely it would be to walk to work.  How much money could I save if my feet, instead of my car, were my transportation?  Being credit card debt free by the end of the year could easily be within my reach.  However, living so far outside of town does not make that a viable option.  Boo.

So I watch the woman who walks to work with envy.  Why?  The answer is simple:  Cars are a LOT of maintenance, and by “maintenance” I mean “money”.  I do love my car, who I affectionately refer to as Napoleon.  Napoleon gets decent gas mileage and is fairly reliable for the most part.  The only thing about Napoleon is he constantly has his “check engine” light on.  It is a tad bit annoying to say the least.  I assume it is nothing, just one of his “quirks”.  I have had him for nearly a decade and his “check engine” light has been on for most of that time on and off.  Before I go into the check engine light saga any further, let me back “pedal” a little bit (pun very much intended).

So January started off promising for Operation:  Get out of Credit Card Debt in 2014 (side note:  I realize the operation name has zero pizazz, so if you come up with anything more pizazzy let me know).  All of the bills got paid AND there was even some extra money left over that I was planning on using for an extra credit card payment.  Success, right?  Not so fast because P took both cars in for an oil change (which we had budgeted for), but Napoleon’s “quirk” was discovered.

Back to that “check engine” light.  Turns out Napoleon couldn’t control his “temper”ature and his thermostat was out (part of me wants to give myself a pat on the back while simultaneously punching myself in the face for that joke). Bad jokes aside, it’s winter and it had to be fixed.  The cost:  Well with the part plus labor it totaled almost exactly the “extra” amount of money that I had planned to pay for the credit card.

So woman with the red jacket, you walk girl.  You walk.

Thanks for listening,

Ang

My Big Proclamation!

When I started this little blog over a year ago, I did it with the intention of documenting my journey (I hate how overused the word “journey” is but love the band of the same name) of getting out of debt.  My debt has gone down, but very slowly.  Truth time:  My credit card debt is around the $10,000.00 mark, which is less than it was this time last year but still a vomit inducing number.  With that being typed, I’m going to excuse myself and use the bathroom.

Alrighty, i am back!  I’m just going to put myself out there and make one hell of a proclamation:

I WILL BE CREDIT CARD DEBT FREE BY 2015!!!

Now is the hard part.  How in the hell am I going to crawl out from under a five figure amount of credit card debt?  Well that is what this blog is going to really focus on this year:  My journey (cringe) of credit card debt freedom.  Sure there will be a blog about my cat here or there and mentions of various horrendously delicious reality shows mainly featured on Bravo, but for the most part this blog is going to be about a girl. Just a girl standing in front of her bank statement, asking it to love her.

Hope you all join me on my…oh for the love of God…journey!

Thanks for stopping by,

Ang