Sold 2 of the 4 O2 tanks for rebreather. That’s $200 that will immediately go on cc. Sold to a friend and she’s getting them this weekend. The other 2 will go with rebreather.
Sold 2 of the 4 O2 tanks for rebreather. That’s $200 that will immediately go on cc. Sold to a friend and she’s getting them this weekend. The other 2 will go with rebreather.
You are doing so well, Tradd! Paying down the cc, decluttering - wonderful!
To give pleasure to a single heart by a single act is better than a thousand heads bowing in prayer." Mahatma Gandhi
Be nice whenever possible. It's always possible. HH Dalai Lama
In a world where you can be anything - be kind. Unknown
And with the rebreather and related stuff gone, much less clutter in my living room!Originally Posted by happystuff
I have to be honest, I just done feel like diving right now. Might be menopause related issues. I wake up a lot at night and I’m lucky if I get 7 hours of sleep a night, usually 6 or a bit more. I have a doc appt with gyno later in the month so I’m going to ask for hormone replacement therapy. I’ve never taken anything for the hot flashes and such.
It costs $30/day for dive site entry, plus gas (90 min drive each way), tolls, and tank fills. Plus I’d often go out to lunch with dive buddies after. So probably roughly $100 for each diving day, which would be at least one weekend day, maybe both! So I’m going to not dive the rest of the month and see what my doc says. I actually like being at church and more active, not missing choir. In previous years, I was often gone from May through October.
So I will add the money from not diving to debt payoff. Can’t wait to start really trashing cash away for emergency fund after I’m done. So close I can taste it! LOL
So impressed, way to go!
It’s turns out I don’t hate EveryDollar. It’s the FREE version I hate. I had bought a copy of Breaking Free from Broke earlier this year. There’s a link in the back for three months of the ED paid/premium version. So I set it up yesterday and connected my bank (checking, savings, cc all at this bank). You then go into transactions and assign each one to a category. So much simpler! I’ve never done this with budgeting/personal finance software before. Now I see why people like it!
The paid version gives you per paycheck budgeting which is how I’ve always budgeted so big plus.
CC balance is down to $6K. Turns out my credit score has jumped to 803 from 740. Excellent. Chase also bumped my credit limit up by $5K.
Still waiting on diving rebreather to sell. The gal who was interested can’t swing the cost right now, so my instructor is going to spread word around. Typed up a list of all the specifics and extras that will be included, took photos and sent to instructor today. Hope it sells quickly.
I listened to a couple Dave Ramsey shows today so hear about the Every Dollar program. I like the concept that every dollar is assigned a “job”. I just like that concept. I don’t know realistically how it differs from a budget, but the concept is empowering whereas, to me, a budget seems more like I am not in control. A budget seems like a spreadsheet divorced from my control.
Giving each incoming dollar a “job “is a great concept by Dave Ramsey.
My husband and I have lived debt free (except a car payment every few years) for about 10 years now and it's wonderful. We never really had any credit card debt but paying off the mortgage on the house about 15 years early was a great feeling and removed so much pressure and anxiety from our lives. We always paid extra against the principle (for house and cars) to get it paid off more quicker. We pay bills as soon as we get them and neither of us are really spenders.
Looks like I have a buyer for diving rebreather. $5K! I’ll meet the gal in a couple of weeks so she can try it on her back on land and see how it fits her. My diving instructor put us in contact.
It’s still a budget. Just a zero based budget.
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