Facing the debt monster on paper.

In my quest to figure out how to pay off my debt I am facing a few challenges that I do not like or care for or really hate seeing. 

I have not done this in a long time and its way way past time since I should be doing this. WRITING DOWN ON PAPER WHAT MY DEBT IS!  And folks is a scary not pretty and its a pretty ugly site. In fact my stress level starts to go up. My heart beats faster, my breathing is slowing down I feel faint. I hate it. But its necessary and needs to be faced head on! 

Start with the small stuff first. Things like the cable is behind a month, the electric, what is left of the car payment. All pretty much easier to handle at this moment. Take a look at my income do a little math. And well its not as bad as I think. We could be watching what we spend each week. So there is a little extra to do a little with. But I have to heat my house yet so well.... Another demon I rather not talk about. A necessary evil in the winter to keep warm. Anyways still there is a small amount left. 

The plan! I have a plan in the works! But its only on paper so far. I need to crunch a few numbers yet to get this in action. The goal is to have these small debts paid up or off by December! Crazy I know its the holidays people! But hey its not enjoyable when you owe a butt load of money to Sallie mae! So why not. 

In order to face good old Sallie in the near future again I have to take care of what is lingering around right now. Facing it is the first step. Then make a plan, go over the plan and then pick a date and put the plan into action. Mark it on the calendar and have a date to which you pay that last payment. Start small and move forward. Its not easy, its scary, but it can be done. 

I figure I can come up with 40.00 extra a week to put toward a debt. I figure that I could spend that much on eating out twice, buying things I do not need at Walmart, buying a few things at the thrift store, extra gas to get somewhere, a day out doing something on the weekend. There are lots of things that 40.00 can go for so fast and easy so instead of eating out I'll put it toward my debt. We can cut back on eating out no problem. We need to stay home and work around the house anyways and get things done here. 

So 40.00 a week for the next 8 weeks if 320.00. I have 429 to pay off my car loan. I think I"ll start there and pay it off early. Goal one is decided! Wish me luck.