Try some of these suggestionshttp://moneycentral.msn.com/content/Savinganddebt/Learntobudget/P36179.asp?special=0403life
... although the suggestion that since you may have only $7,999 worth of cc debt as opposed to your neighbor with $8,000, that that's a reason to feel good about your situation...well, I suppose some people have to look for a silver lining wherever they can find one, but geez, how sad.VL
It seems like frugality would be a lot more satisfying knowing that you never have to go to work again, rather than *having* to be frugal to pay off debt. <g>
<<It seems like frugality would be a lot more satisfying knowing that you never have to go to work again, rather than *having* to be frugal to pay off debt. <g> >> It is. Seattle Pioneer
"It is". SPDittoceo
Keeping your goal in mind can help you fight the urge to spend...This is what has kept me going...
I'm currently frugal so that I can maximize savings today for the reward of compound growth tomorrow --> FI and RE if I want!I've a friend, who just yesterday, was complaining of how 'frugal' he is - and evenso, he and his family are about $200/month 'short'.I just nodded and agreed with him, made some 'sympathetic' noises...He knows how I live, what I spend money on, etc and makes 'comparisons' between us to purport that I do not have his 'needs', and therefore I can 'save' more.True - I don't have his 'needs' - and I prioritize my 'needs' differently than he. I guess my point is that while he does indeed live 'frugal' in some ways, he allocates the proceeds of that 'frugality' differently than I.for me, frugality is FI priorityRalphFWIW - I start nodding and making sympathy noises when someone complains that they have to replace their 8 year old car because it has a noise in the airconditioner :-) they get to make their own choices
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