get out of debt

I’m on my way! I organized my bills, and even created an excel spreadsheet to track my monthly payments (What can I say, I’m a computer geek). I’ve now payed off 3 accounts, and I’ve lowered my monthly bills! 2 more accounts getting payed off next month! Woo hoo!!!

I finally got over the fear of what I would find if I actually looked into my files and figured out who I owe. It’s not nearly as daunting when it’s on paper and you can see progress.

As a result of this orginization that took an entire Saturday, I now am up to date with everyone and am no longer making any late payments. Yay for being on time!

I guess all I have to do now is be patient and stick to my budget… Who knows, maybe I’ve smarted up in time and in a few years, I can even buy a house! :)

I need to start keeping track of my payments so I actually feel like I’m getting somewhere when I shell out money every month.