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First student loan to pay off

Tuesday, November 19, 2013

Getting back to frugal.

I remember a time when I became really frugal. I always was but I made it a point to really watch what we spent, how we spent money and what to save on. I also remember that at some point during that time I was happier for some reason. I think I love the challenge of saving money and paying off bills. I would rather save money but for now I"m paying off debt.

Today I had a crazy notion. What if I sent once a week a extra check to say my credit card payments, and student loans. But the catch is what if I only had 2.00 to send? hmmm. Well I thought then 2.00 x 4= 8.00 so that is at least that much  off the principal of the bill right? Times that by 12 months and that is 96.00 a year. So it does add up.

But I do hope to send in more than that but its a start for right now. How do I plan on this little sum of money?? A little change cashed in here and there, a little from filling out surveys, and reading emails, a little from selling stuff  I do not need, a little from here and there.

I'm going to coupon and cut back and work my way back to a more simple time where it was possible to save and live well. We did it before it will not take much to get back to it. Little did I realize that I love the challenge of finding free stuff, free entertainment, Or cheep entertainment. Stocking up my freezer with good food that is home made. Shopping thrift stores for bargains. And visiting the mall with coupons and looking for things that cost next to nothing. It can be done I done it before and I can do it again.

Life is not easy and sometimes you make huge mistakes. But its not impossible to fix those mistakes either. one can not just lay down and cry about it. Eventually you have to do something about it.

My one frugal thing I did today. Make my own bathroom cleaner. Go figure I had the ingredients in my house, I tried it and it worked pretty well. Its just plain old Vinegar and Dish washing soap. I think Dawn might work better I'll pick some up this weekend. But what I had seems to work on some of the soap scum in my tub. Heck that little bottle will save me from buying up cleaners to try to find something that works and wasting money on stuff that could not do 1/2 the job this did in a few moments! Oh joy.

Got to reach though the cob webs to remember what other little things I did. I"m determined to get rid of this debt. First check  is going out this Friday. Cant wait to knock that money off my balance. :) I have been paying on the balance at the school too. So that is 2 that I will keep track of more carefully. I'm thinking rewards to the 1/2 way point will be in order somehow. Got to keep this fun as well.


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