shopacholic's personal blog

Okay let's just say today was a pretty productive day. I cleaned and organized my house like crazy. I was keeping myself busy while trying not to spend any money today. Today was supposed to be a no spend day except.... i had to go to the store and buy some icecream! it was an emergency! And believe when you are 7 months pregnant...ice cream is an emergency. Not to mention i bought some m&m's to top my fat free vanilla frozen yogurt..go figure! It's gotta be the hormones! On a good note I had coupons and only spent 1.39 for a gallon of frozen yogurt and a pack of m&m's..so there you have it my rationalization. But for real..I have bigger fish to fry..for example my credit care debt. I have three credit cards: $1,400 , 5,500 , and 4,400. with a grand total of (drum roll please) 11,300 ouch that was hard to type. Write now i am focuing on the 1,400 chase card now. I am taking baby step to eliminating my credit card debt. I figure with a baby on the way, a mortgage, and working on my masters degree...it's time to pay the piper! and be responsible! I mean I had fun while it lasted..i traveled the world..bought alot of cool stuff but now i'm in DEBT! If only i were this smart a couple of years ago. Well since i can't erase the past i must move forward. I vow to never be that irresponsible again! Whew that felt good to let it go! Now action speaks louder than words so i must take care of this debt one day a time! Thankyou guys for all your support as i continue my journey to financial freedom..i will continue to seek motivation from blogging and reading all your blogs everyday!

So I have managed to have two no spend days, which for me is pretty good! I almost stopped for iced coffee on my way to work and instead i made my own from home. I think these little changes in my everyday habits will really add up as long as i am consistent with it. But for now i'm just going to take one day at a time and try to make wise decisions when it comes to saving and managing my money!

It been over a year since my last post and my finances can reflect that maybe it's time to get back into it.How could i have fallen off wagon? Anyway when at first you don't succeed..try..try again! At least I haven't accumulated any new debt...so that is a start. But i still have 3 credit cards that need to be payed off to be debt free except my mortgage and then I can focus on that. My personal goal is to blog at least 3 times a week to keep myself motivated and hopefully motivate others in the mean time. I'm expecting my first child in novemeber and hope to be a better frugal house wife and I know through the support of you guys and keeping myself motivated ...anything is possible!

Thankyou all for all your support in my journey. I continue to enjoy reading all your blogs and learning from you good habits. The last two day were no spend days from me. I decided to brown bag my lunch. I work night shift at a hospital and I often by my dinner and latte at Au bon pain or the cafeteria. I spend and average of 6-10 dollars everytime I work. So my new goal is two bring my dinner and snacks to work and save money. Making small changes to equal big results. Maybe I will put the money I save towards the $ 10,782 in credit card debt I have. Ouch! typing that out looks really bad. I've finally come to the realization that I need to stay focused and pay down my debt. Thanks for the motivation guys, there is hope for the future, it's not too late!

Wow! I'm so excited to have finally made my first entry. You all have inspired me over the last year since I have been lurking around this site and forever learning from the valuable knowledge you all have to give. Since my blog is a working progress I hope someday I will be able to share my knowledge too. Well I all hope you have a wonderful day as I will continue to make improvements to my blog and set up specific goals.