errantember

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I just torched my last credit card after paying its outstanding balance of $15. I'm currently reading Dave Ramsey's Total Money Makeover on the recommendation of my mother, who's sound financial advice is one of the reasons my house, which has appreciated 75k in the four years I've owned it, is my only outstanding debt.

As practice, I've successfully kept myself on a food and entertainment budget for the past 2 years. I just pull out the cash at the beginning of the week, and that's it for the week. A comprehensive budget is a little more challenging, but totally necessary for any degree of sane financial planning.

I might be time to practice guitar...

Current Location: The Kitchen
Current Music: This is the Life - Weird Al Yankovic

No, it's not spam, it's my financial reality!

I just paid off the last of my student loans five minutes ago. The only remaining debt I have is a few hundred in credit cards that I pay every Sunday, and my home mortgage. On the advice of my mother, I'm currently reading The Total Money Makeover by Dave Ramsey. I've kept a food and entertainment budget now for over two years, and I try to keep my checking account at the same level, but generally don't have a comprehensive budget. Now I'm going to set one up, as well as stop borrowing money for things I want to buy. The house will be a little more complicated, as my intention is to sell it to the coop when I'm ready to start it as a legal entity. That will mean getting a loan from a place that will loan to coops, which have a very bad reputation for folding.