Quote:
Originally Posted by jimstolz76
Thanks
The vacation was not our idea, a friend is renting a big house and invited us to come if we helped pay for a small portion of it. I've never been on a real vacation as I was self employed from 18 til 26 and have been too broke from 26 til now (31) 
We already think the vacation may not be happening due to some other circumstances... It will be a disappointment but we'll get over it.
Right now I need to set up some 'habits' for my wife and I to follow. If it's not second nature, we won't do it. We're both smart enough to follow it if we can figure out a good plan, but we're both also impulsive enough to falter at the first speed bump.
We have done well so far. We bit the bullet a while ago and went to CCCS for debt counseling and are working on paying that off. I have some outstanding IRS debts, my wife has a small $1,300 bill to pay before she can continue classes for a respiratory nursing degree, and we have a car we're paying off. Other than that, we have no debts. It's slowly getting better for us, and I want to make sure we're on the right track. |
You and you alone are responsible for every decission that affects your personal finances. You need to tell every dollar you get where to go. You can't blame speedbumps for your failures, you need to sit down and make a budget and find a way to get fron a to z. EF's are your speedbump buffer, getting debt free and living on less than you make is your way to prosperity. Quit half way doing it and just do it right.