I'll start off with how I did in September:
- Post on this blog at least 15 times- Managed 8 posts!
- Reduce my debt by £500 - yes
- Earn £100 in extra income - yes over £200
- Record my daily spends - 3 weeks out of 4
- Make better food choices and lose 8lbs - 1lb loss (less said the better)
Um, not too bad! This month it's more about tasks than goals:
- Move ING direct debit from personal to joint account
- Cancel visa credit card
- Get a haircut
- Back up and clear my pc
I still have a visa credit card that I haven't used for ages, and I'm cancelling it. I don't need (or want) it; this will make me credit card free.
A couple of years ago this would of felt really scary, not now. It feels amazing. The aim of this blog was always to help me get debt free and I'm not quite there yet. However to a certain extent I feel like I've accomplished what I really needed to; to stop using credit cards as a support to living my life. I'm not saying that credit cards are bad, my husband has an American Express card that he uses to full cash back advantage, but for me they are no the way. I want to live a simple 'use cash only' life.
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3 Comments:
Keep going!! You may not achieved all of your goals, but you achieved a bit of them all!!
That makes you the first person I know that is credit card free! Wow Wow!
I don't know how it works where you live, but here (California) being totally without a credit card can lead to some tricky situations. I have one friend who has never had a credit card or a driver's license, and when she travels she runs into situations where hotels (that have accepted her reservation) either turn her away due to lack of credit card or place an inordinate "hold" on her checking account to protect themselves from damages she might cause to the room. Before I got my first credit card, I wasn't allowed to rent a car; they seem to enjoy having the option to charge your card for the price of the vehicle should you smash it up.... So think carefully about all the details! I, personally, plan to not close my account once I go debt free, but the card will get a place of honor in a nice frame inside my closet door so I see it and am reminded that "we just don't do things that way in this house" every day.
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