Todays thoughts.

This is Bill Dog and he says hi. :) He smiles like a person. lol.

Today I was listening to one of Dave RRamsey'svideo's on youtube. There are many just plug in his name. But it stuck me today that in order to get out of debt is to make the first move and make a plan.

I have been thinking on this for a while and I thought how to get everything together in order to keep track of it. I got me a binder and put all my bills into it. And its full. That is because I also put in all the student loan papers and information I collected throughout the years. I figured out that student loan stuff needs its very own folder. Go figure.

As I build these binders, make a get out of debt plan I am starting to see how things are really. Its not pretty. In fact its ugly. But its not impossible to tackle. It will take work and lots of it.

What I need to do and have not done yet is build a savings of 1000.00. And I tell you what its not going to be easy. As I write this I am thinking of the car repair I need done on my car. uggg. But I do plan on starting that savings this week and add to it.  This is so hard for me because we do not have much money. And it seems when there is a little I can find something to spend it on. But I am going to learn how to change my spending ways.

This is so important to make these first steps toward the big goal. I am ready to face those debt demons head on. I am ready to figure out my lowest bill to pay and get working on it. Then celebrate when Its done then move onto the next one. I hope that I can see the light at the end of the tunnel at some point in the next year. My goal is 5 years. Its scary because a lot can happen in that time.

Building the binder was a step into taking responsibility for us. To have it all in one place to open up and see it. Not having enveloped piled up on the table or desk somewhere. The loan information I will look at again with new eyes I think. Because this is my biggest scariest debt demon of them all. Its what is driving me to take control here and get rid of it.

I know we all are wishing for the government to come in and save us from this debt, I know we wish that someone will just take it all away. Or that the school will close or we get into a class action suit. But the reality is that these things are not happening and that we need to take  care of this our selves. No matter how we feel about how we got there. After all no one forced me into this, they did not force me to sing the loan papers. I was talked into a lot of things and I was stupid to listen to them at the time. Time has come that we need to own this. If in the event something happens along the way to help then that will be a blessing. Until then help yourself.