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.
Sunday, August 15, 2010
How Not to Shop
In general, I need to leave the kids at home when I shop. I am too much of a softie when it comes to, "Mom can I have some gum?" or "Mom can I get (insert some junk food I don't normally buy)?" Yesterday I took my two youngest to get haircuts, and I forgot the cardinal rule before going anywhere: inform them ahead of time that you are not buying hair products. I thought of it, and then I didn't do it. So guess what? I return to pick them up and the 10 year old asks for the hair products that made her long, thick, sometimes frizzy hair become super-smooth. She wanted both of them, so I told her, only to stop the whining (bad move) that she could pick one. Well, that one was $26.00!!! I was using points I had earned for their haircuts, so I said yes, and I earned points toward future purchases by buying the little bottle of goo. If it weren't for that, I would have said no for sure. Still, I spent $26.00 I didn't need to spend because I was afraid to say no. Why? That is the question. I am learning to say no and being a planner not an impulsive spender. Sigh. I did tell her that from now on she has to spend her own allowance on any hair products! Thank you God for your grace when I mess up!
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