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Wow He Pullef it Off

December 2nd, 2017 at 01:10 am

I couldn't wait until Sunday so I pulled next week's debt BINGO number and that number was 20. I applied this amount ($20) to CC3 and got the balance down to $999.26. The goal was to get this debt below $1000 before the end of the year. I'm so excited. My new goal is to be at $500 by the end of December, with a pay off in mind for January. I can't believe that I would have three CCs paid off by the end of January.

I hate I fell off and racked up CC2 the late part of this year but at least I got back on the tracks and am trucking along.

I noticed the SO seems to be really down. I don't push the issue any more about the budget and getting on track. He's paid out this week almost a $1,000 and and I think he is feeling the pinch. Today the rent is due, along with the electric, water and plot. I normally feel bad asking but it is what it is. I need the money to send off the payments. When I get home today, I'm simply going to ask him for the money so I can drop the checks in the mail, not my problem your mother is running a business and not paying you.

Update to this post.
Today was suppose to be a no spend day, the free blue Berry pancakes 🥞 were disgusting so I ended up spending $4.53 at the office cafeteria. Next I had a craving for a soda so that cost me $1.50. I added $6 to CC3 for the wasteful spending, new balance $993.26.

The SO came home with his share of the rent, electric ⚡️ and water 💦 bill. I was actually floored and was tempted to ask how he had pulled it off but opted against it. I ask and then there is a sob story making me feel guilty, I then say don't worry I got it until XYZ ,next thing I know I'm annoyed. I'll pass, give me your money and I'm done. I'll remind him that the plot bill is due (6th).

15 Responses to “Wow He Pullef it Off”

  1. creditcardfree Says:

    Excellent! Good for him. And that is definitely good news for you.

    Plot payment? You are buying burial plots?

  2. Out of the Dark Says:

    Great news. Maybe a corner has been turned.

  3. Amber Says:

    CCF Yes, pre Dave. I wanted to make sure I was buried by my das and he got one next to me.

  4. Beawealthywarrior Says:

    Yep, you did right by not asking a question you don't want to hear the answer to. Good job!!

  5. DW Says:

    OMG! Good for you. You did right by not asking. Save yourself from his drama.
    As for the $6 spent, think of it as a reward for the incredible week you’re having.

  6. snafu Says:

    Don't you think SO deserves praise for getting his financial obligations in place, on time, no drama ? Positive re-enforcement is one of the most applied and widely used stimulus following a behaviour that makes it more likely that the behaviour will occur again in the future.

  7. Amber Says:

    SNAFU I'm familiar with positive reinforcement; unfortunately, I'm at the point where I'm done. I've informed him that I was proud of him, good job, this is the man I fell in love we, we can do this, you name it, I said it. As the saying goes, you can lead a horse to the water but you can't make it drink. He's been raised by a woman where struggling is the norm, if they're not struggling it doesn't feel right. Everything must be late.

    I'm not saying that my parents taught me how to manage money, but one thing they always drilled home is that you pay your bills on time and even if it's ten dollars you put it aside. My side bar doesn't reflect it, but right now I have about$11k in one account, $8k in another, 401(k) and a home that I rent. Though most of it was gifted, with the exception of the home, I want to build my own wealth, make my dad proud, not to mention myself. I'm not blaming anyone but myself. I was debt free prior to SO; even had money aside during the recession when I was let go, didn't worry about anything then. However, I fell into we will take this trip use a CC, buy this on the CC because it's easy, I'll get the money back and pay the CC. Well the money came and I paid the minimum. A new job cam and then I lost it, and depleted my savings because I ran up credit cards impressing a man who ultimately had nothing . Best humbling experience ever.

    I've realized that he has to want better, he needs to decide where and who he wants to be with. For me, I want what my dad had a few rental properties, nice savings , an annuity check coming in with my SS every month, give back to others and far most, retiring early. So as DR I'm living like no one else so that I can live like no one else 😉

    Again, thank you all for the tough love. I have one of the softest hearts there is and you all remind me of the end goal when I begin to think differently.



  8. DW Says:

    Well said!

  9. Dido Says:

    yay for you on getting the balance under $1,000!

  10. rob62521 Says:

    Good for you getting the money from SO. Keep up the good work!

  11. PatientSaver Says:

    Thank goodness! You have a good head on your shoulders. Let's hope this trend continues.

  12. crazyliblady Says:

    Why doesn't he just get a different job? He does have job skills that could be elsewhere, right?

  13. Amber Says:

    Hi CrazyLilady,

    He's a momma's boy and he feels super obligated to her. It's actually scary; honestly, if he worked anyplace else and wasn't receiving a check he'd quit a long time ago. All the mother has to do is cry and his heart melts and he stops talking.

  14. Myfinancekits Says:

    Slow and steady win the race. If you are consistent in paying down the debt, yo will soon discover that you are totally out of debt.
    However, it is very easy to creep back into debt if care is not taken. One needs to be discipline in spending. Living on budgets will help a great deal.

  15. LivingAlmostLarge Says:

    Congratulations and good luck.

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