I hate finances.
Hate.
I hate paying bills, I hate spending money, I hate looking at my bank accounts, etc.
The last year has been especially stressful on the finance front. I was on bed rest and on disability until Jack was born, and that was a significant pay cut. After Jack was born, I not return to work outside of the home but instead started teaching piano and voice lessons from home, which is not super lucrative. Meanwhile, D has been working in the same job and while his boss agrees that he deserves a raise, the company "cannot afford" to give him one.
Meanwhile, we have a car with an awesome custom body job from hitting a deer 2 1/2 years ago that needs to be fixed (5-6 grand worth of repairs). We have credit card debt (not much, compared to the national average, but it's still there). We have a small student loan that we're making payments on. We have a car loan that we're making payments on for our Corolla. The car repair and our debt hangs over my head.
Add that to the normal expenses of rent, PGE, car insurance, food, phone/internet and gas.
And we live frugally - we don't go out to eat often and when we do we use coupons, when we buy clothes we buy them on super clearance, we don't take extravagant vacations, etc.
But, I still stress about getting out of debt and making ends meet.
While I've been reflecting on areas in my life that I want to change and improve, this is one area that begs to be improved, at least for the sake of my mental health.
One of my "resolutions" is to be credit card debt free by the end of 2013.
I feel like this is achievable. I would love to be entirely debt free, but that is an overwhelming goal and we simply don't have the income for it, at least not at this point. And, I personally don't think that the small student loan or the car loan are considered excessive or unnecessary debt.
But, credit card debt on the other hand? I think that carrying around that debt is unnecessary.
So, I am going to be sitting down and figuring out a serious action plan for how we can be credit card debt free by the end of 2013 for sure.
Which leads me to this question:
Have any of you gone though this paying-off-debt process? What tools helped you the most? Any apps or websites or charts? What do you suggest?





























Print
and cut these out on something sturdy like card-stock as they're going
to get traced a quite a few times. Don't cut out the stem - you just want
the leaf shape.