Best Birthday Gift I Gave Myself Ever! Financial Freedom! Whoo hooo! Before you think I won the lottery or struck it rich in an oil well, let me explain.
Best Birthday Gift Ever
I just finished Penny Pinchin’ Mom’s Financial Reboot Course. I am still working and raising a family, but I am no longer chasing my credit cards. Not only do I have a stick-to-able financial plan, thanks to the Financial Reboot Course — by February 15, 2017 I will be out of credit card debt. How is that for the best birthday Gift ever.
Chasing that credit card is like chasing the Unavailable Lover
Just One More Day — Just stay a little below the limit and it will be fine
One More Phone Call — So the payment is a little late. You still want me right, ( At a cost of $30-35 dollars)
You Want More of My Time — Yes, but I am already working overtime to satisfy you
I Can’t Live without You — We know, just pay the minimum and we will be together forever
Uggh!! The lies we tell ourselves to keep that little piece of plastic happy. I will just work overtime. Next month will be better. When is that tax refund going to get here!
What Your Credit Card Whispers in Your Ear
Convenience (cash is messy)
Rewards (cash back, airline miles, store credit and gifts)
Spending More Than You Have
Financing Large Purchases
Easy Tracking of Purchases
Convenience
In an almost cashless society it feels troublesome and silly to carry cash. Our cell phones cases come with a credit card slot for a reason. That is just it! The emotional attachment to a credit card is almost void. Cash on there other hand has real meaning. Every time we hand over cash, we can think, I worked 2 hours to afford to buy something with that $20. More mess in this case means less stress when the credit card bill arrives.
Rewards
How many of you pay off your credit card bills when they are due? If you do, please take a bow; that is awesome! But for the over 45% that do not, Tracie from Penny Pinchin Mom has this to say:
If you’re exceeding your budget – overspending on cards and incurring interest charges because of it — you really aren’t earning free perks so much as you are paying for them. Tracie from Penny Pinchin’ Mom
Spending More Than You Have
If you only have $100 in cash that is all you can spend. At the school book fair my kids are always surprised when a $9.99 book can’t be purchased with $10. Tax! Just the same for those with credit cards. If your budget for shoes is $100, but this really cute pair is priced at $110, with a credit card you can fudge a little. I promise to pay it back later. You know later, when the tax return shows up.
Financing Large Purchases
This one is tricky. With my spa business, I did finance some large purchases on a 0% credit card and only paid $69 for the life of a $5000 loan. I won in that situation but that is rare.
It was a large risk that kept me up at night. Unlike a true bank loan I did not have a regular payment to make each month. Self discipline would dictate that I did make a reasonable payment each month, but life happens right? Wrong! The second Best Valentine’s Day Gift I gave myself was to get rid of all the unsecured debt.
Easy Tracking of Finances
What a huge lie I was telling myself. Yes the credit card does track your spending after the fact. How many of you have sat down with your credit card bill and thought “really, did I really spend that much on that?”
What about an app that tracks it before you spend it? Proactive is just that; check it out here! Or a check book register with a running balance, or a debit card that you check on line before you purchase — or even better just plain old pen and paper.
The Best Birthday Day Gift I gave myself was giving up on the unsecured credit card debt and doing the dirty work of setting up a budget in cash.
Financial Reboot Course– Best Birthday Gift
Why do you need this course?
If you are constantly chasing your credit card and hoping.
If you are tired of picking up side jobs and worrying if the bills will get paid.
If the word budget gives you hives this course is for you.
If you are in debt and you see no way out.
If you and your spouse do not see eye to eye on finances.
If you have a dream job, vacation, or house you want to achieve sooner rather than later.
More Than Just a Budget Course Get to the Heart of Your Spending Habits
The Financial Reboot Course gets to the heart of why you really over spend. Knowing the problem and why it keeps happening is half the battle. With videos, worksheets and a closed Facebook group just for you, Tracie talks you through the hard issues surrounding money.
Need a frame work to talk with your spouse about money? This is it. Heart to heart with a step by step worksheet the two of you can sort the murky waters of marital finance. What dreams would you like to see in the future? What would happen, if all the debt disappeared?
Are You Ready to Give Yourself Freedom with the Best Birthday Gift Ever
Freedom from debt gives you freedom to spend more time with your family, friends and doing things you love. Check out the course here. There is even a 5 day free trial offer.
More on Money and Intentional Living
Five Positively Powerful Financial Habits of a Woman of Valor
Why You Really Want the Big House And What To Do About it
What Does Your Bed Room Say About You
This is really great! Thank you for the info. It can change lives and families.