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Slow Going

July 12th, 2013 at 12:11 pm

I continue to feel motivated to save and pay off debt. However, I am just starting to realize how slow-going everything is. There is a lot of waiting that is involved, isnít there? I have been looking at my spending/saving for the last week or so, and there really isnít much to report. I canít wait till the end of the month when I get paid and can repay my sister and start sending money off to credits cards.

A few updates Ė

The retirement thing has sort of worked itself out. After calling about 3 times, I reached someone who knew what she was doing and my retirement account is linked back again to my social security number. I canít access it yet, because they had to reissue me a PIN that will arrive in the mail in 2-3 weeks. But she assured me on the phone that I had about $8700 in the account not counting interest.

I have earned 3 Swagbucks this month already. Itís quite nice.

I have had lots of no-spend days, and the plan to eat frugally at home is working out beautifully thus far. We are eating a lot of bean soups.

My best friend is taking me out to a belated birthday dinner because she was not in town for my birthday. That will be nice.

5 Responses to “Slow Going”

  1. scottish girl Says:

    Yes there is a lot of waiting involved.
    Glad the retirement thing got sorted out Smile

  2. creditcardfree Says:

    Yes, there is waiting, unless you can find snowflakes between pay periods to throw at debt. You are really only paying on debt when you get paid. It's worth it though!!

  3. My English Castle Says:

    There is a lot of waiting. When we were struggling, I used to ask myself every morning--what can I do to save some money today? One day at a time.

  4. ThriftoRama Says:

    Have you thought of going to a nonprofit credit and debt counseling company? They might be able to negotiate lower interest rates or a lower balance on the cards to hasten you're paying them off. Of course, you can also do this on your own.

  5. IndianGal Says:

    I am trying to get used to the waiting. I am going to try and think more positively. If I cannot earn money to put towards the debt, I am going to try each day to save more instead. ThriftoRama, I have not considered that. Most of my current credit cards are on a 0% APR for the next few months. I am going to call them and see if they will lower rates.

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