Debt-Free
June 28, 2008Steve and I have made a resolution to become debt-free. I have utilized Dave Ramsey’s advice and step program to ramp this baby up. (i didn’t purchase any of his kits – it’s not in my budget) Credit Cards are gone – though it’s funny when you get rid of them, their load of debit remains.
I have also been keeping track of where we spend everything on an excel spreadsheet. Hoping the bars and graphs I create at the end of the month reveal some secrets to ending our debt. (actually I know the secret, just not quite ready to face it – quit spending).
So, as I post, I am holding myself more accountable – to what I spend, and on the creative ways I am sure I can save more money. Hang on – I’m going in! (niecy Nash)
A while ago, I decided to always pay cash for my gasoline. I am buying it at Marathon. If you go into the building and put $50 on a gift card, they credit it for $52. That’s a 4% rebate. You can walk directly out to the pump and put $52 of gas in your tank. Share you money-saving tips on your blog for us!
That is good! We have been going to Kroger, as they give 10 cents off per gallon when you shop there & Scotts (every $100 purchase). I use my Nat City Debit card and earn points which you can cash back in. I did learn you have to use the debit card as a credit (it still debits directly from your checking account, just no pin) in order to earn your Nat City points. I also pay all my bills online (more points, no charge, no postage). The biggest eye-opener has been keeping a spreadsheet of every bit of cash we spend. Those $8 trips through Taco Bell & McD’s add up!