Join me in climbing out of the slavery of debt one day at a time!

Fill your jar!
The Change Jar
Several months ago I began to put all of my spare change in an old opaque pitcher. I had tried saving change in clear glass jars but I found that the old adage "out of sight, out of mind" was true. If I could see those shiny quarters, I would use them. With the change out of sight, up on the top of an old fashioned free-standing kitchen pantry, the change stays there. It's actually my first attempt to not spend every bit of money in my wallet. This jar has a purpose: Christmas. But the mere fact that I am saving money and watching it grow gives me tangible satisfaction. I encourage you to do the same. Let's save for that rainy day, Christmas, or whatever!
About the Author
I am the proud mother of four great kids and wife to the most patient man on earth. Over the course of the last seven years, I have gotten us into a large amount of debt through bad habits, unwise choices, and circumstances beyond our control. I decided to share my struggle to pay it all back with other moms, knowing that there are others out there in the same predicament. I had enough of worrying about how we are going to pay the bills, send kids to college, have money for retirement while I played chicken with our checking account. Desiring a better way of life, I started this journey to becoming debt free one step at a time.
Saturday, September 19, 2009
Taking Advantage of a Great Equifax Service
We have used Equifax for years to track our credit score and. They advertised a new service for $15.00 a month that lays out a debt repayment schedule for you and keeps track of whether or not you are on target each month. According to Equifax, we should be debt-free (except for a mortgage) in two years if we stay on plan. They use the "debt-stacking" method and map out which credit cards you should focus on first. I tried to keep a debt-stacking plan on our computer using Excel, but I like the fact that I don't have to look up the balances each month because they track that for you. Much easier. I am excited about following this plan.
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