addendum to 3/6

You may be wondering, "why is that woman yakking about not using credit cards? I thought she stopped that months ago." Aha.....sad but true.....I did stop and then Christmas came and I lost all of my resolve. :( A trip to fla, presents I could not afford...etc. etc. etc. THEN...the credit card companies did the best favor they could have ever done to me!!!!!!!!!!!!!!!!!!!!!!!! They lowered all my available credit to right over what I owed. I was furious.....NOW I AM REJOICING. I can't use credit....there is only a little bit available and in addition to lowering the available credit, they more than tripled my interest rate. I am NOT rejoicing about that...oh yeah...thanks President O.....you made all of that nonsense possible....but I am DONE with credit cards. Forever and ever...hallelujah, hallelujah...I am trying to do something about that ridiculous rate increase, but the rest of it is good...very, very, good. It is a huge road to pay them off, but I can do it. AND....another provision....I am always worried about being about to fly somewhere on a moments notice....I just unexpectedly earned a free trip on Southwest.....SO............that is there if I need it!!!!!!!!!!! So..............as far as I am concerned...using credit cards is dancing with the devil.....and he will do the leading.....they are enslaving, torturous, and evil (for someone like me). I declare my independence from them. Yes, yes, yes...I wish I had done it years ago, but I didn't and that is that...so I better get over it and get on with it. That's all for now, folks. BTW....I'm going to start up a beginners guitar class for kiddos....probably mondays at church. spread the word.

3/6

well, I am greatly pleased to report that it has been over 2 months since I have used a credit card. I am GREATLY PLEASED. Right now though, is where the rubber meets the road. I have been overspending for so long that I can see how it is going to take at least one more month to get everything straight....not paid off.....ha.....but straight. Locked down, no extra spending...everything PAID for. Now, I am also pleased to report a couple of provisions....yes....small...but they pleased me greatly just to know God knows. I will report about the piano later on today, and that was a HUGE provision...but right now, I will tell you about a little one. I have things pretty much allocated for the next 10 days and there is NOTHING extra. Which is fine. HOWEVER....I had forgotten about a certain bridal shower. :( So, my thoughts included skipping the shower (lame) going to the shower and giving a present later (even more lame) getting something out of the stash of gifts I have upstairs (possible, but not exactly what I wanted to do) SO............I looked at the registry, found several well priced items and then was re-looking at the week to figure out where I could squeeze that money. Hadn't quite gotten through that, when I decided to open my birthday present from my mom early. :) It was a beautiful purse and absolutely gorgeous wallet....the prettiest wallet EVER....and lo and behold, tucked in the wallet was EXACTLY the amount of money I had decided I should spend on a shower present. Doesn't that make you want to jump for joy!!!!!!!!! It did me. So, I could NOT be happier.....I got a beautiful birthday present AND the money I needed and wanted to take care of someone else. Hurray!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!