jimj1s

I am so elated to be done with this goal! Yes, I wrote “not worth it” in the description, but that is only because of the cost. The achievement is gargantuan, and having the ability, the credentials, and the title are life-changing.
The trade-off is that I am now paying on huge student loans, which are hampering my financial well-being.
On the whole – I would rather have the money, since having the doctorate does not look likely to enhance my income by much :)
Yes – I am more than willing to help if you are pursuing this goal – just drop me a line!

I am down 30 since March 2012 – I joined DukanDiet.com – it has been the only diet that has worked for me over many years
10 to go – expect to be there next 2 months as they are dropping more slowly now :)

I have a good job, and make a decent wage

BUT – I spent too much and have a big mortgage and a family to support

I have paid off all credit cards and cars (finally, and then bought more cars and recharged the credit cards higher than ever.

What frightens me is having a big expense or a job or income change that causes me to have to borrow more and descend into insolvency.

6 months living expense for me is about $5k per month, or $30k total.

That’s a lot of dough for this small-town boy.

But I HAVE to do it. I want to sleep easy at night knowing I can handle unexpected monetary hits. It has taken me a long time to get to this point, but I am now deferring instant gratification in favor of savings. I’ve saved nothing. I have a long way to go.

Please God, be nice to me and let me keep saving without an emergency causing me to drop big bucks along the way.

Changing from a spender to a saver seems impossible to me.
But I keep trying.