Day three and payday. I've managed to spend just $5.00 in three days and I'm not really missing it...yet. The real test is getting through the weekend intact.
I have included in my budget a weekly amount to put toward my debt and to save for a rainy day.
I have even included a way to include my wife in my saving method and to make it somewhat of a challenge as well. I ask her to pick a nunber within a certain range, at least 20 and no more than 40 . The number she picks is what I challenge myself to save every week. She doesnt know that these numbers will add up to a nice vacation next year (after all my debt is gone)

I am tired of watching money going in one hand and out of the other. I make pretty decent money and own a home and yet every month I don't have much left over. It's because of those looming credit card balances.
Whoever said debt can keep you up at night was not lying as as I have stayed up many nights thinking about it.
Time to stop thinking and start acting on it. I just took the last $2. out of my pocket and put it away. There is excess baggage in the house that I am willing to part with and bag lunches will be the order of the day from now on (coffee will be my only indulgence).
I will keep this blog updated regularly. Wish me luck.
Out of the red and into the black I go.