Sorry I haven't posted in a while. I have been packing up and getting ready for my move on 4/13. Credit card debt reduction plan is going well. I am down to only $5019 on two cards. These two cards are currently in my lock box and will not be used until their balances are zero. The only card I am using at this moment is my old Discover and I am paying the balance in full each month.
I have been searching for other ways to lower my expenses each month and therefore increasing the amount I am applying to kill my credit card debt. I think I may have found a couple of other ways:
Groceries:
In the past month or so my favorite news show, Fox 35, has featured this company called The Grocery Game on their segment called "Does it really work?". Its about a woman who found a way (I have no clue how) to basically use the combination of a grocery store sale and manufacturers coupons to lower your grocery bill. I mean a grocery total going from $42.86 to $1.82. And each time the news show tested the company's method it actually worked. All you need to do is sign up with the company, pay $11 for 8 weeks, receive a weekly list of products for sale at the store you chose, and the Sunday newspaper with all the manufacturer coupons inside. I could basically go from spending $200 a month on groceries to hopefully $50. I haven't joined them yet because I am moving and want to wait until I am settled in and can check out what grocery stores are in my area. Then I will pick one and sign up with The Grocery Game. I'll let you guys know how it turns out. If it does work then that will be another $150 savings per month that can go to credit cards. *crossing fingers*
Car Insurance:
I have my car insurance, life insurance, and rental insurance with the same company, Statefarm. I pay $123 a month for all three which, compared to most, is pretty damn good. I have been with Statefarm for about 5 years now and I think they are awesome. I have known the folks at my local Statefarm office since I had my daughter at the age of 20 and had to trade in my Supra for a Prism. I have been receiving a lot of mail from competitors like Geico and Allstate. All suggesting that I could save up to 40% on what I currently pay for car insurance. That would be a savings of about $40 alone on my car insurance (I pay $95) Now my thing is this: If I could get a cheaper price from somewhere else, would it be worth it? How committed should I be when it comes to paying off my debt? Is saving maybe an extra $40 bucks a month worth losing a company I am familiar with and trust?
Got a dilemma on this one!
Anyways thats all I can really work with at this point. I think I have exhausted all areas that I can lower. I have attached a comparison of my monthly expenses this month and what my expenses will be for April. I was able to save $310 a month. Pretty good huh?!
On another subject.......
I am going to start a weight loss blog today or tomorrow. My health is another Empowerment journey I am on. I hired myself a personal trainer at the beginning of this month and I have lost 12 pounds since March 5. My goal weight loss is 140 pounds by February of 2008. I have a short term goal of 75 pounds by August 25. My sister is getting married then. Anyways please feel free to read that blog. I will be posting recipes, exercise tips, detox methods, eating habits, and etc. And let me please state the following:
I am not a doctor or nutritionist. I am not licensed to give advice on weight loss. All I will be doing is documenting my journey and things that worked for me.
Aside from that feel free to read on. Well I gotta go finish packing. Have a great weekend and God Bless!
Dimps
I have been searching for other ways to lower my expenses each month and therefore increasing the amount I am applying to kill my credit card debt. I think I may have found a couple of other ways:
Groceries:
In the past month or so my favorite news show, Fox 35, has featured this company called The Grocery Game on their segment called "Does it really work?". Its about a woman who found a way (I have no clue how) to basically use the combination of a grocery store sale and manufacturers coupons to lower your grocery bill. I mean a grocery total going from $42.86 to $1.82. And each time the news show tested the company's method it actually worked. All you need to do is sign up with the company, pay $11 for 8 weeks, receive a weekly list of products for sale at the store you chose, and the Sunday newspaper with all the manufacturer coupons inside. I could basically go from spending $200 a month on groceries to hopefully $50. I haven't joined them yet because I am moving and want to wait until I am settled in and can check out what grocery stores are in my area. Then I will pick one and sign up with The Grocery Game. I'll let you guys know how it turns out. If it does work then that will be another $150 savings per month that can go to credit cards. *crossing fingers*
Car Insurance:
I have my car insurance, life insurance, and rental insurance with the same company, Statefarm. I pay $123 a month for all three which, compared to most, is pretty damn good. I have been with Statefarm for about 5 years now and I think they are awesome. I have known the folks at my local Statefarm office since I had my daughter at the age of 20 and had to trade in my Supra for a Prism. I have been receiving a lot of mail from competitors like Geico and Allstate. All suggesting that I could save up to 40% on what I currently pay for car insurance. That would be a savings of about $40 alone on my car insurance (I pay $95) Now my thing is this: If I could get a cheaper price from somewhere else, would it be worth it? How committed should I be when it comes to paying off my debt? Is saving maybe an extra $40 bucks a month worth losing a company I am familiar with and trust?
Got a dilemma on this one!
Anyways thats all I can really work with at this point. I think I have exhausted all areas that I can lower. I have attached a comparison of my monthly expenses this month and what my expenses will be for April. I was able to save $310 a month. Pretty good huh?!
On another subject.......
I am going to start a weight loss blog today or tomorrow. My health is another Empowerment journey I am on. I hired myself a personal trainer at the beginning of this month and I have lost 12 pounds since March 5. My goal weight loss is 140 pounds by February of 2008. I have a short term goal of 75 pounds by August 25. My sister is getting married then. Anyways please feel free to read that blog. I will be posting recipes, exercise tips, detox methods, eating habits, and etc. And let me please state the following:
I am not a doctor or nutritionist. I am not licensed to give advice on weight loss. All I will be doing is documenting my journey and things that worked for me.
Aside from that feel free to read on. Well I gotta go finish packing. Have a great weekend and God Bless!
Dimps
Comments
Feel free to visit my blog at http://www.conceptsmarketing.blogspot.com
As for groceries, I am definitely trying out the Grocery Game. I'll let you know how that goes KK.
Your welcome and thanks for stopping by. Come back again.