16
Jul
Posted by The Wife in Climbing Out. 4 Comments
Being on a budget and working with cash has made things easier for me at the register.
Daughter A is finally agreeing to wear some other clothes besides the “zoo shirt” she’s been living in and fleecey pants. It could be the 100F+ temperatures we’ve been having, but whatever! It’s so nice to see her legs.
A Surprise Shopping Trip
So, the other day I got a $10 off coupon from Kohl’s, a local big-box department store. I decided that I would pitch in a couple of bucks and take the girls shopping and get a couple items of clothing as a treat. Something Summer-y. We spent over half an hour trying on different clothes: pajamas, dresses, shorts… I only pulled things from the clearance rack to stay in the budget I had set for myself. We finally narrowed it down to four items that would only ask about $6 from my pocket.
As we stood at the register …continue reading
12
Jun
Posted by the Dad in Climbing Out. 4 Comments
Every time I want to text someone with that crap phone I am reminded of our goals
Okay, there’s really nothing fun about buckling down and getting out of debt. Or is there?
No, there can’t be; it’s a barren, joyless trek through sacrifice with nothing but denial and self-discipline.
Ha! Haven’t you guys seen Mary Poppins? Spoonful of sugar, baby. Our family has had loads of fun while working this debt snowball. In fact it’s forced us to find free & low-cost things to do together that we wouldn’t have sought out back when we were brain-damaged. …continue reading
31
May
Posted by The Wife in Climbing Out. 7 Comments
It’s the last credit card that is the hardest…
We are getting debt-free and there are no ifs, ands, or buts. It makes decisions easy when you either have the money or don’t.
I go to the grocery store with cash. I let the cashier know what I have and I get her/him to buy in with me from the beginning so when the total gets close I have help making decisions about what goes back. …continue reading
22
Apr
Posted by the Dad in Climbing Out. 11 Comments
if you too are thinking about ditching your big bank and finding a local bank with a soul, I encourage you to give it a try
This post is an example of what happens when companies put customer service last and the customer realizes there are other choices after all. Everyone who engages with customers (which pretty much means everyone) should be reading Seth Godin’s blog. That really is the sidebar to this post, but I think it’s so important I’m putting it right at the top.
I am consistently amazed by businesses that seem to go out of their way to make things more difficult for their clients. Not just slow, awkward or boring but down right more difficult. …continue reading
24
Mar
Posted by the Dad in Climbing Out. 13 Comments
Don’t ask me how to get your exemptions right. The tax tables are obviously some kind of weird voodoo.
Not long ago I was becoming frustrated with our progress on Baby Step 2. I am painfully impatient to get out of debt. Just ask The Wife.
Yet it’s a long road. Most people who follow the plan we are doing need 18 – 24 months to become debt-free. I’m afraid we’re going to need more.
What does ole Ramsey say? “Children want it now, adults devise a plan and stick to it.” …continue reading
18
Mar
Posted by the Dad in Climbing Out. 4 Comments
“When you stop writing I will know you’re finally enjoying yourself.”
I was the kind of kid who got horribly homesick. I have no idea why, but I remember it being terrifying to spend the night away from home. Maybe it was because we moved so much when I was young …continue reading
