My husband and I devised this harsh credit card digging out plan, the success of which will depend on a number of factors, including cutting the spending and increasing earnings (as expected during this season). We've had a couple of unexpected expenses arise this month and my husband's business has been a little slower than we'd expect, based upon previous years. I am hoping that we can stick to the plan tightly for the next 5 months. If we can, we'll save ourselves almost $5,000 in interest charges.
It's really hard to manage your money when you don't know how much will be coming in. It's also hard to be disciplined enough to bring your lunch to work every day and not treat yourself to little niceties occasionally. It can be a little depressing, but I just have to keep reminding myself that nothing is as satisfying as being debt-free.
The month isn't over yet and we still have time to make progress towards this month's digging out goal.
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