get out of debt

spent about $9 at McDonald’s

total waste
french fries are so incredibly delish, but eating out in any form is so amazingly expensive

We have 20 thou on the credit card.

my new goal here is to make an entry every day that I spend money and detail what i spend it on. i am not going to include bills. Like the water and the mortgage and the meds from the drugstore. i haven’t decided yet if the cellphones and the satelite bill count. they are kinda optional. but we have had those same bills for years and years, so maybe they do count.

i need to chronicle what we blow money on that isn’t a regular or planned expense. maybe writing it all down will help curb it.

I haven’t put anything on creit in 30 days :)

We finished the refinance. We have one 30 year mortgage on our house now. The second mortgage is gone. The credit card debt is gone. We are cancelling all but one card and keeping it ONLY for emergencys and trips. The new mortgage payment is slightly less than the former first and second mortgages combined. So, the credit payments we were making in addition to the mortgages is all gone now. We should have more money each month now. We had reached a point where we had to use the credit cards for basic needs, like food, because we were paying out so much in bills we didn’t have grocery money left. We shold do a little better than breaking even now.

We decided to refinance our house. We are rolling our first mortgage, our second mortgage and our credit card debt into one new first mortgage that will cost less per month than the three payments together have been. We are also cancelling all but one credit card and keeping it seperate for emergancies only.