Whoo!

The last two days have been busy days but Mr. M and
I were able to find $575 to pay off a credit card.

Whoo for a victory!!!

 I'll post the totals tomorrow but we are very
{very} close to being less than $30K in debt.

Praise the Lord!!



Photo Credit

Cash Matters

I saw a story featured on Money Savings Mom this morning that provided a great perspective on why to use cash when making small purchases. Over the years, I never thought twice about whipping out my card to pay for a soda since I rarely carry cash.

This is a great reminder on how to be more thoughtful when it comes to small businesses.

Thrifty Shopping

My and Mr. M's jobs require business attire all the time which is why we have some "stupid tax" as we used credit cards to purchase clothes. Since, we're trying to get out of debt and not using the cards, I am now researching thrift shops.

I discovered this great website, The Thrift Shopper, and it such a helpful tool in my new discount shopping. Thrift store shopping is my favorite but if it can help me dig out of this hole, I'm all for it.

And they laughed.

This week I had the most interesting experience when I closed one of our credit cards that had a zero balance. Now I realize for those who live by the FICO score that closing a credit card (no matter how old it is) will hurt your score. Thanks to Suze Orman, I'm up to speed on all of that FICO jargon for the most part.


But here's the thing - we didn't need it. If we're going to be debt free, I don't need temptation lurking around to bring us down.


Which is what I told customer service who preceded to laugh at me and then transfer me to someone in the accounting office who laughed as well. To be honest, I'm sure having a caller that says "Sorry...I don't need credit" is a vast difference from the typical calls they get. And honestly at the end of this get out of debt journey, I'm going to be the one that's laughing.