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It's tough to tie ourselves up with something like this. I completely understand. During the past few years my husband has lost his job, got a new one, I have lost income to various reasons (mostly not enough work) but have managed to stick with the plan.
Sometimes it hurts just a little bit for sure.
In your situation, maybe you can set your limits a little lower according to your income each month but maintain one constant... the one you are trying to pay off. Other things can slide a little bit if they need to but just maintain that one bill that you are putting the bigger money on.
I should have mentioned earlier too - Car insurance!
Did you know that some companies offer you a tiny little discount when you pay every 6 months or once a year, rather than once a month?
I now pay about $30 less every year because I pay every 6 months. I know, it's only $30 but it is what it is right?
While everything may not really be negotiable, that's the attitude I have adopted and it has helped me change my money habits for sure.
So what if they tell you no the first time, or the second time, or even the third. Keep asking.
By the way, if you remember the name of that book, please post it. I would be interested in reading it too. Maybe there is something else I have missed that I could be doing. |
not to worry - sm - penny wise
