Step By Step

Okay, I am going to list, step by step, what I am doing, to help those of you, who, like me, need to see things laid out in simple form. I do just want to give credit where credit is due; Amy Bass has a blog of her own, and has really been an inspiration to me. I have gotten a lot of ideas from her. Please check out her site; there is some very useful information there.

http://www.mydebtfreegoal.com/

Okay, here goes:

1. Balance checkbook to bank as of RIGHT NOW.
(I have a whopping $423.98.)
2. Add paychecks of $800.00 (2 weeks pay).
3. List ALL monthly expenses. I listed them both in order by total debt, and by importance.
Since I am behind, I need to pay the most important bills first; food, rent, transportation, and
utilities. After the necessities, then I pay the ones with the smallest balance first, in order to
work on getting them paid off. Yes, my phone is ringing off the hook with people wanting
money; thank God for caller ID. If I don't know the number, I answer, then hang up, all in
one motion, lol. That way, they can't leave a 5 minute message with 15 phone numbers, and
telling me how important it is that I return their call. I know I'm late. Leave me alone. I will
pay when I can.
4. I am paying all bills that are past due, and leaving enough money for groceries, gas, and lunch
money for my son. I did not send the minimums of a few credit cards, since they were
astronomical, so I simply sent them what I could. They can deal with it. The total bills I
am paying this week are $663.54, leaving $175 for groceries, gas, and lunch money. That
leaves $235.44 to go toward next week's bills.

Hopefully, I can make some money on e-bay this weekend; I'll let you know how it goes. :)