Like most Americans (not that it’s a good excuse) I’m in debt. Thanks to my husband who is quite possibly the world’s cheapest man I’m not up to my eyeballs- maybe just my neck. Debt is bad people, very, very bad. I have come to the conclusion after many years of living with debt, that it sucks and I want out. I’m ending my long term relationship with my credit card, student loans and any other unsecured debts that I have. I have laid out the plans and have been putting in the grunt work to change 2 major things about my life that I don’t like right now, my lack of $ and my excess weight (mostly in the form of fat). I don’t make New Year’s resolutions because that’s kind of dumb. No one ever sticks to that shit and I am committed to change. Since the debt is mine and mine alone I don’t expect my husband to help me pay it off. He went to college too and has since paid off his loans. I can do the same. Besides he already works two jobs to take care of me the two dogs and our house. Putting extra stress on him is not in my plan. I live way to close to a beautiful mall and right smack between two even more gorgeous Targets. Very dangerous to the saving impaired- like me. I spoil my dogs and myself rotten and the time for major sacrifice has come. Harley now gets store brand cottage cheese with his kibble, and Ty will have to be happy chewing up my old manky socks for a while. I wash my face with $2.99 Baisis soap and moisturize with Target brand crème. I even use Irish spring (ok ok ok… I really don’t mind using Irish spring body wash… it smells wicked good and there’s a shamrock on the bottle…. that’s right, a SHAMROCK ON THE BOTTLE MO’ FO’S!!!!!!!) Oh it’s going to hurt, no doubt. Every indulgence must be cut out and eliminated like that spot on my neck that I thought was a melanoma but turned out to be a giant cyst. The next beauty products that I’ll need are shampoo and conditioner. I use bumble & bumble products almost religiously. I will now be buying four dollar brand X hair products from bed, bath and beyond. I have enough clothes to last me for quite some time, so I’m good there. I realize that I have a family and so I won’t be able to totally eliminate all expenses. But I want to do everything in my power to curb the spending and become more financially responsible. On that note: Below is a picture of the $225 Hunter Boa rain boots that I will not be getting. If any of you kind readers feel the need to buy me extravagant and ridiculous gifts, these bad boys would be a good place to start.
