I am happy to report that once again this month I was able to double the min payment. My original plan was to pay at least half of the $270 balance however, that changed. Of course "something came up" and well that went out the window for now. My other half owes me $100 until his payday next week. So i'm really pondering if I want to just send that $100 onto my credit card which will technically cut the balance in half. I'm not sure next week is payday and i am due my tire refund sometime next week also. I'm very eager to receive that check as I have allocated those funds towards the remainding $40 tickets you see on my side bar. I will have all of them paid off so I'm looking forward to that indeed.

I made chicken fajitas two nights ago and I still have steamed veggies lefft over. Therefore this morning I went to the local grocery store and bought ground chicken, pasta noodles and sauce to make a big pot of beef and mac. (chicken is a healthier choice for me) My neighbor calls it lazy that i'm making a big pot to last more than one night. In my opinion I am doing what I have to do to cut out the urge of eating out. While I trim my debt I plan to trim at least 40lbs right along with it. Last night I also wrote out my budget for the month of August and if all goes well no mishaps i'll be able to pay down my orchard bank card. I'm so excited and actually looking forward to paying the bill now. Whereas in the past i'd pay the min and than get depressed when the new statement issued and the balanced didn't move.

So this Friday will be the first payday since I decided to clean up my financial act. I need help guys do you all put your budget for each paycheck down on paper. Is it better to use a monthly calendar? Also how do you determine which debts to attack first?? and or how much to put towards them. I don't mean to sound clueless but as my profile will show I haven't been the best at money management in the past so i'm willing to learn.

I've been reading your blogs for a couple of weeks now and i've finally decided to start one of my own. I must say that I have in such a very short time learned a lot from reading your blogs. I'm 26 years old and between car loans, credit cards, and student loans have about $50,000 worth of debt. I'm very much excited about starting this journey to becoming debt free. I'm determined to teach my daughter about good saving habits and how important it is to have a healthy financial life. I'm looking forward to reading more blogs and learning more from you all.