A WeApoN oF MaSSiVe CoNSumPtIoN

I suffer from a  well-known social disorder called Stufitis. Dave Ramsey’s book Financial Peace came in this week from Amazon*. I bought it used because the library had a three-month wait! I read the whole thing in one day. The chapters were short and highly informative. With the BK looming closer and closer, I have to make some changes. In the past, I was using some of the techniques I found with Mary Hunt’s Debt Proof Living. Many of the concepts are the same. She has a Rapid Debt Reduction plan and he has the Snowball Effect. Both recommend an emergency fund and both say STOP SPENDING!

I am so damn materialistic…heck it even shows up in my Zodiac sign, Taurus and in my Chinese zodiac sign Metal Pig! Double whammy! Sadly, this disorder is more than something to kid about. It is an addiction. I have $6.00 in savings, minimal retirement and about a paycheck away from being on the streets. Dealing with money has always been an issue for me. My addiction feeds into my insecurity of wanting to be like my friends, having enough and wanting more.

As I clear the Fog of Vagueness away from my finances, I begin to see the destruction this disease has caused in my life. I won’t lie, I LOVE TO SHOP! But damn, it is costing me my life.

Dave’s book talks about baby steps. I love this concept. My personality often tends to go overboard and tries to devour all knowledge at once. With these steps, I have a clear plan for my financial present and future. Over the course of this week I will be completing a review of my budget and will create my cash spending envelopes. Payday is this week so I will be able to get this new plan rolled out and ready for next payday.

Baby Steps. Yep, Baby Steps!

I leave you with one of my favorite Lily Allen songs (it has explicit lyrics) called The Fear

{*Amazon has a trade-in program where you can send in your old books and are given a trade in value. This value is put on a “card” for you that can be applied to future purchases. I was able to get my book for $3.11, that was the book and shipping. Check it out!!}

au revoir!

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