Ah, that consumer lifestyle…

This makes an appearance at the reservoir every year. Is it a dredger?
This makes an appearance at the reservoir every year. Is it a dredger?

Or, the way I used to be, but no more!!

Four years ago, I paid out about $3K per month and that was before I had eaten. How, you ask? Well, $1250 for rent, $900 for my half of a mortgage payment, and $900 in student loan payments. Yep, that’s a whole lot of cash going out the door. It left me with about $500 for the month, and that was to cover food, utilities (I mean, CABLE was a must!!), car repairs, etc. Not to mention that I was also fighting through the stages of unmedicated clinical depression, and add in the turmoil of a marital split after 11 years together, and you don’t get a frugal person. You get someone who doesn’t want to sit home because then that forces you to sit with your thoughts. And who wants to do that when all you feel is guilt, a heavy heart and lots and lots of self doubt? No, you want to go out and shop. Read more

Getting Rid of my Debt, Part 4 (to save or not to save)

Sorry for the crappy quality of the photos above – the lighting in my apartment is not great.

A huge focus of mine over the past year or so has been reducing those blasted balances of mine. You saw in my last post on debt what those balances are. However, I have a question I’ve been trying to mull over.

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