We've dumped all credit cards. If we need something like one, we'll use a debit card (which is almost as bad). Everything should be as much cash and carry as possible. If you see the money in your hand and then not, it has a huge psychological effect. But watch out when a check comes in and the urge to splurge. Really. Beware of debt consolidation services. It's just as easy and usually better to come to an agreement with a credit card company or whoever to pay off your debt at 60% of its value or less with no interest. Judith has been handling these negotiations and we've cleared out a credit card or two already. The one thing I've been having problems with is the need to spend money to make money. I know a new mouse with extra, mappable buttons would increase my productivity but I've been reluctant to get one for ages. Same thing with conferences. I should really go but it's not been in budget. As an extreme example, I'm typing on a keyboard that's missing most of its letters. I can do it because my fingers know where to go to type what I want and it impresses the hell out of people who see it but maybe a new keyboard might be a better idea. Know where to spend. I'm not sure I do. :)
On Fri, Mar 18, 2011 at 7:38 PM, Justin Scott <leviat...@darktech.org>wrote: > > I've finally decided that I've had it with being in debt and trying to > do whatever I can to get rid of it. Selling books, cutting the family > budget with a chainsaw, putting all expenditures under the microscope, > and even selling the car that I'll be making payments on until the end > of time unless I do something about it. Our debt is a mix of one car > payment, one credit card, and lots and lots of students (no house > though, we're renting for now), but it's over $80k in total. Any debt > war stories to get me pumped? Any suggestions on interesting ways > others have cut back? > > > -Justin > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Order the Adobe Coldfusion Anthology now! http://www.amazon.com/Adobe-Coldfusion-Anthology/dp/1430272155/?tag=houseoffusion Archive: http://www.houseoffusion.com/groups/cf-community/message.cfm/messageid:335395 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/groups/cf-community/unsubscribe.cfm
