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Monthly Archives: November 2008
Thanks!
Thanks everyone for all of the well wishes concerning the root canal and your advice on the emergency fund. I definitely got some good ideas from your comments. I’ll write more later in this day, I’m creating this post pre-coffee.
Posted in Debt Reduction
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Root canals and emergency funds
After yesterday’s entry, I realized that those who are much savvier than I am were probably thinking to themselves, “You know, Michelle wouldn’t have to lose her back tooth if she had an emergency fund.” So OK – I’m not going to lose the back tooth, that one turned out to be fine … it’s the one next to it that’s set for a root canal. Today, in fact – and all I can think to myself is “oh joy.” … Continue reading
The Economic Implications of Cavities
I found out a couple of things the other week when I went to the dentist for the first time in about five years. One? I apparently have a great tolerance for pain (as evidenced by the fact that I did not cry real tears when my lovely dental hygienist started scraping on my front teeth with the Cavitron – I swear, that’s what she called it) and I have about five cavities in this huge gaping maw we call … Continue reading
I *heart* MSN
I must confess that I’m something of a MSN.com junkie and at times it can be a dangerous distraction to my work day. (In my defense, it’s what my home page is set to – just like everyone else in my company. Sure I could change it to Google, but why deny myself such joy?) There are two reasons I particularly love MSN – first and foremost is their celebrity gossip (I’m shallow.). The second reason? Some of the best … Continue reading
Direct Deposit Advance: My Dirty Debt Secret
I wondered when this moment would come. The moment where I’d have to fess up my dirty little secret that is my biggest stumbling block in reducing my debt. I’ve made no bones about it – my biggest obstacle when it comes to reducing my bad debt is no one other than me, myself and my crappy banking skills. I would like to tell you that the chaotic mess my financial state is in could be attributed to a perfect … Continue reading
Posted in Debt Reduction
Tagged bank, banking, debt, debt cycle, Debt Reduction, debt secret, direct deposit advance, direct deposit funds, overdraft charges, smoking
4 Comments
Adventures in debt
I have a lot of debt to tackle myself. Can you elaborate on the debt management program you completed? I am interested to hear about it. I got this question from Funny Honey the other day and thought that I would do my best to answer: Like I said before, most of my credit card debt accrued during my last year of college and the years immediately following. I honestly don’t think that I bought anything worthwhile with my credit … Continue reading
The Credit Card Letter
I’m a packrat. If someone tells me that I shouldn’t keep the tiny, black patent leather ballet shoes that I wore when I was five, I’m going to point to my father and the love-worn teddy bear that he’s kept since his childhood. My packrattedness (uh, yeah – that’s going to be a word for today’s purpose) is something that’s as ingrained in me as my tendency to believe that deer, like state troopers, tend to roam in pairs. If … Continue reading
Posted in Debt Reduction
Tagged credit card, credit card letter, debt management program, Debt Reduction, packrat
2 Comments
I’m In Debt – Introduction
I have to be honest – shortly after I decided to write about my debt – I had a moment of panic. Was I really cut out for this kind of thing? I’ve been reading debt reduction and other financial blogs for the past year. I’ve also read books like Dave Ramsey’s “Your Money or Your Life” and Amy Dacyczyn’s “Tightwad Gazette” so I know that I’m doing the “right thing” when it comes to reducing my personal debt: I … Continue reading
Posted in Debt Reduction
Tagged Amy Dacyczyn, credit cards, Dave Ramsey, debt, debt management program, Debt Reduction, fashionista, personal debt
5 Comments