There's probably not a bad time to try to start tackling debt, but I think the timing is right for me to finally get serious.
First of all I don't have any credit to blow if I wanted, so there's no where to go but down.
And as I take inventory of my lifestyle, I see that I have much of what I need already. Like I was saying in another post, I spend more time on the computer than I do watching television. I used to need the higher cable channels to watch House Hunters and reality shows on VH1 but most those shows don't interest me anymore. My playlist consists of stuff that airs on the basic channels so I'm seriously considering doing away with my cable service.
Then another couple things I used to splurge on is hair products. I've finally found a routine and set of products that work for my hair and I imagine that they can last me a long time. Also, before I even thought about this debt reduction plan, I have been washing my hair once a month instead of weekly. I know some may find this disgusting, but it works for my hair type. It also means that I won't have to spend money on shampoo and conditioner for several months.
For the past 6 months or so, I've been a serious homebody. It's not as if I did anything before, but I'm actually realizing that I don't care to go anywhere or do much. Which would explain why I don't really have any concern about buying clothes and shoes. My current wardrobe is scant and bummy, besides my work clothes. I really do need clothes, but then again, I don't. So it's a good thing that I don't care about going places right now because then I would need to upgrade and fill in my apparel.
These are a few reasons why the timing to focus on my debt is pretty nice. Really, there's not a lot for me to cut out. I don't drink or smoke. I don't have magazine subscriptions or a gym membership to cancel. There's not much for me to fix besides cooking at home and possibly dropping my cable. And avoiding buying things when my credit balance decreases, of course.
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