This week I got my first paycheque. It was so exciting. I had it deposited directly into my line of credit where it sat for 24 hours, then went to pay the phone bill, and the credit card bill. Like water through my fingers. :)
My husband and I finally sat down and went through all of our finances, our debt and our assets. Gail Vaz-Oxlade would bang our heads together if she saw the mess we were in! We added up all of our debts and assets and made a plan to pay them off. We discovered that if a) we didn't eat, b) we took the pets outside and shot them (with a borrowed gun and bullets) and c) if we never did anything fun, we could have our debt paid off in 8 years.
Or, we could sell our organs. Since neither of us have consumed alcohol for over a year, I would think that our livers and kidneys are in tip-top shape. But Canadian government frowns on the sale of organs-- your own or others. So, I guess we will have to do it the old-fashioned way--work and be disciplined.
We made a plan to spend only cash, in the jars like Gail suggests. Did out know that some people actually criticized this poor woman for trying to sell jars? Wow. We dug through the recycling bin and got a few jars out. We now have jars for gas and groceries and each have $20.00 per week for spending. We also have a few excursions this year, so we have decided to stick to a budget on the debt repayment so that we do end up with a bit of a slush fund for such things as gifts and emergencies.
Though it was a total kick in the crotch to learn that Tyson had just as much debt as I did (no, I cannot believe we never completely shared this with each other), it was good to do the inventory and sort out our exact situation. And, I get to keep my organs, and the pets. :)
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