I started a new job yesterday. I now am employed full-time by the State of Utah working graveyard shifts at a youth center. Not really the ideal job, but it is a great way to head in the direction that I want to go. I am also going to attempt to continue working 4 hours per day 5 days a week at my old job. I don't know how well that will work out, but I am going to give it a try. I have been listening to Dave Ramsey's audio book about getting out of debt.
My first attempt to start this process was putting my car for sale on ksl.com. I keep lowering the price, but only car dealerships will offer anything on it and only if I agree to purchase one of their cars to replace it. I am up-side down in my car loan about $2000. Ideally I would like to sell my car for what it is worth, so I would take the loss of $2000 and I'd like to get a new loan of about $5000 to pay that amount off and purchase a $3000 car. I don't need a new or nice-looking car. I just need one that will be safe and reliable. Currently I do not have my car registered because I keep hoping someone will want to buy my car. I ride my bicycle around everywhere. I actually like it a lot and I don't mind not having my car to drive. I never go anywhere very far anyway. I rode the train on Saturday and it was very relaxing to have someone else do the driving. Soon it will get cold and my bike will no longer be an option. So I need to sell my car soon or register it.
The second thing I did to get out of debt was get this second job. I'm not quitting the first one because I hope that I can put more toward bills this way rather than spending my excess money on things that don't help me in the long-run. The job I just got also has insurance benefits so I can finally go to the doctor and dentist for random things if I need to.
Dave Ramsey also recommends that before I start paying more than my minimum balance on things that I should save up an emergency fund. He's a smart fellow, I think I'll begin with that. I know something will come up soon that I will deem an 'emergency' and I don't want to disrupt my process of getting out of debt simply because there is an emergency.
These are my current goals, and I really need help achieving them. Please don't ask me to go out to eat or go to the movies or anything else that requires my money to be spent on THINGS rather than BILLS. I need your support and advice to get through this.
I'd like to end this on some other happy things I've been thinking about lately.
The news of good weather, summer and bright flowers are some of the reasons I love spring time. Heat, green grass, sprinklers and outdoor activities are reasons I love summer. The most exciting time is Halloween! I love dressing up, decorating, passing out candy and parties that happen for Halloween! Just the thought of it already makes me want to break out my Halloween box to get started and it is only August. I shop for decorations after each holiday so I pay usually no more than 25 cents for things. Its wonderful. Halloween! Its coming quickly.
3 comments:
Good for you girl. Just start plugging away and you'll be debt free before you know it!
I am loving the direction you are pushing your life toward. No one ever regrets making an effort to get out of debt. Way to be proactive and tell people what you need. Also way to work your butt off. There is no reason you can't put down a 60 hour work week. People do it all the time when they have big church callings, kids and all kinds of other adult responsibilities. You CAN do this. It will be hard sometimes. I will not always be fun, but it will be worth it. I want to hear you scream "I'm Debt Free" When you call in to tell Dave Ramsey. DO you listen to his show? If you don't you should it's fun and motivating. We lobve Dave Ramsey.
I love that you discovered Dave Ramsey. I am a big fan of his plan. You can do it. I also love listening to his program. There's so much for all of us to learn in the money world.
love ya,
Aunt Tammy
Post a Comment