Depressed....

August was the worst month. I really didn't get the plans laid out like I was wanting to do. We had so many things happening that it was difficult to stay focused. September I have no choice. I have got to get things in order. I let a couple of bills slip last month so this month I am playing catch up. I could just kick myself. Hubby had to reallocate some of his 401k to help free up some much needed funds. He is a hugh advocate of saving for our retirement. I had to have a heart to heart with him the other night. With gas prices so high and food prices alone we are really struggling. However, if I didn't have all this credit card debt then we would be just fine. What really scares me is that next fall my daughter will be going to college. Why did I let this happen? Anyway, I can't change the past but I can diffently do something about the future. Here are a few of my ideas.....let me know what you think.

1. Have a garage sale.
2. Cancel pool service. ($155.00 per month savings)
3. Pawn a ring.
4. Sell some items on eBay.
5. Sell wooden swing set on Craigs List.

I am also wondering about becoming an affiliate for Amazon. Any information would help greatly.

Pressing On...
DLD

Opening the Wound....

I am opening the wound.....I am $35,000.00 in credit card debt! I could just kick myself in the behind. I knew better than to allow this to happen. I really don't know what has allowed me to even let this happen. Other than just being plain stupid! My interest rates are in the 20% and I have so many cards it is hard to kept track of them all. I am working on trying to consolidate them into one or two lower interest resources. Once I can get them consolidated I will start a payroll deduction account at my credit union so the amount I pay each month can be directly deposited into an account to strictly pay only my credit card debt. I am going to divide the amount I will be paying by 4 and have that amount direct deposited to the credit card debt account I am opening at the credit union. I will then set up an reoccurring bill payment for those bills to be automatically paid each month. The biggest hurtle I have right now is to get the bills consolidated. If you have any suggestions please comment as I can use all the suggestions possible.