Season 7 Sopranos
Ever hear the phrase 'don't beat a dead horse'? Well, that's what joes and jills all over the country are doing a week and a half after the end of the season 7 Sopranos. Questions about the final episode are popping up like Whack-a-Mole, baby. Did Tony get bumped off? Will there be a movie? To those yahoos, I say ... move on.There comes a time when you need to give up what's in the past and focus on the future, see? Doesn't matter how much you yap about it; it ain't gonna change what's already happened. Same thing about saving money. Don't gripe about how if you'd started sooner, you'd be better off. Start now, and start fast. Start making a budget and deep-sixing consumer debt. The longer you keep things stuck in neutral, the worse you'll end up. So don't end up that way.
2 Comments:
Just came across your site - good name by the way!
Where do you start with debt? I'm in reverse gear but think I've just put it myself in neutral and figuring out how to switch into first gear because it's so long I've forgotten how
Great question, bub. You've decided to change your behavior, stop borrowing and deep-six your debt, so that's the first step.
Before you get started on paying stuff off, make sure you're current with everyone. Don't be behind on your credit card debt, house note or any other debt, see? Next, make a budget so you know where your dough is going. Once you've done those, you're ready.
Baby Step 1 is to get a thousand bucks in the bank for a starter emergency fund. Take care of this quick ... get a part-time job throwing pizzas, or have a garage sale ... something quick to get you some cash JUST for emergencies.
Now comes the good part, the part you were asking about. Baby Step 2 is the debt snowball. List your debts smallest to largest. Doesn't matter what the interest rates are ... write 'em down smallest to largest. Pay minimum on everything but that little one, and go after it with gazelle-intensity. Attack it and pay as much as you can to get it paid off. Once that happens, take that freed-up dough and put it on the next smallest debt. Once it's paid off, take all that extra money and put it on the next smallest debt. By the time you get to the last debt, that snowball has turned into an avalanche, baby. Keep after it, and you'll be debt-free soon enough.
Thanks for the props, bub ... now let's spread the debt-free word!
Post a Comment