Beauty

[smoochy]

trying to economize in several areas to help with paying down credit debt. Cutting way back on frivolous spending- unnecessary clothing and accessories, TV streaming services, and now I'm hitting the beauty category. 

No more salon pedicures or gel nails. 😩 those things are actual monthly bills. Will miss the pretty hands that gel nails give me...l will have to get used to that. 

First world problems. 🌎  but living within my means is most important right now. 

[DrakesMomma]

Yay for you @smoochy !! 

[Zhills]

Don't go too far...you don't want to get depressed!  

Life is short; eat dessert first!

[Scooby Doo]

I hear ya.  I've been doing the same this summer.  My goal is to pay off my credit cards and not buy anything I don't need.  I'm down two and will have another paid off next month.  The interest rate on these things is a killer.  

Cable and TV will probably have to stay because that's my main source of intertainment these days.  But that's a big bite.

[rockygems123]

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@Scooby Doo wrote:

I hear ya.  I've been doing the same this summer.  My goal is to pay off my credit cards and not buy anything I don't need.  I'm down two and will have another paid off next month.  The interest rate on these things is a killer.  

Cable and TV will probably have to stay because that's my main source of intertainment these days.  But that's a big bite.

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@Scooby Doo 

Same here, love cable.  Contacted Xfinity and was surprised they could include the same internet speed, same # of channels and lowered the bill quite a bit

[Still Raining]

Good for you for working on this problem.  It can creep up on you.

When I moved here to my final house where cable still does not reach, I was surprised how much I had been spending each month.  A great savings.

[Mombo1]

@smoochy   I have to agree with you. Living within my means is very important to me .
I have been on a mission to be debt free this year and not purchase things that I really don't need.   Credit card interest rates are just too high.  I still order things but pay them off in full each month.  No ez pays ever.  That just prolongs the debt.  I am down to one credit card which is almost paid in full. It feels good to not have to worry about debt hanging over me. 

[cindyNC]

@smoochy Good for you. 

[smoochy]

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@Zhills wrote:

Don't go too far...you don't want to get depressed!  

Life is short; eat dessert first!

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lol no worries. I have a blessed happy life. 

[smoochy]

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@Scooby Doo wrote:

I hear ya.  I've been doing the same this summer.  My goal is to pay off my credit cards and not buy anything I don't need.  I'm down two and will have another paid off next month.  The interest rate on these things is a killer.  

Cable and TV will probably have to stay because that's my main source of intertainment these days.  But that's a big bite.

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its nearly 30%!! I've done a balance transfer, spreading the debt over two cards that each have very long interest free promo periods. If I put absolutely nothing on those cards and pay on them, I can make a big dent. My humongous dental bills and weight loss drug costs, plus retail spending, got me into this pickle. 

I'll tell you what-one of the biggest lures to get the average consumer into big credit debt has been the rewards cards. The more you charge the more you "earn"  I will never be a s*cker for that again