A Dime at a Time

Navigating life and finances

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Little by little we, are making progress

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Continuing to see some progress!  Success is ahead!  

Little by little, we are making progress with our financial goals.  Thanks to M-Turk, I was able to send another $40 to our Visa card.  As I’ve mentioned before, this is the credit card we are working vigorously hard at paying off so we can take full advantage of a balance transfer offer.  With the pending transfer of $1500 to a zero percent card and the $40 from yesterday, the balance will be down to $2266.   Although the offer is good through November 17, I would like to see this transfer happen sooner than later.  Every day we delay, we are paying that much more in interest.   [Read more…]

Being mad won’t change what happened

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The day spent on my side business was a good day until I saw what someone did to my car. Not entirely sure where it happened as it could have been any number of places. As you can see by the picture, someone damaged the front bumper of my car.  So kind of them to take personal responsibility by leaving a note.  Yeah, right.  That didn’t happen. [Read more…]

Because of goals

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Reminders of why I set goals.

Yesterday I made it through a long 14 hour day working as an election inspector.  Given the relatively low-key proposals on the ballot, we still had a steady stream of voters.  I was thankful because had we not, the day would have felt even longer!  Every so often I’d look at the clock and think “I’ve now worked enough hours to pay our semi-annual garbage bill or the auto tags, etc.”  When the clerk offered to let a few of us leave early, it was in knowing I was helping to jump start our sinking fund that I stayed put. I had a goal, and I was bound and determined to see it through, and I did! [Read more…]

July in Review and Moving Forward

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How did we do in July and what do we hope to do in August?

From a previous post….

What do I hope to see for July?  I’d like to see a couple of things.  Our smallest debt (a Visa) is now at $4,459.91.  I’d like to see that get below $4,000.  There is just something psychological about seeing that first 4 change to a 3!  Secondly, I would like to see us hit the 10K mark of debt paid off.   [Read more…]

What Is Your ETA?

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Creating a timeline for arriving at Debt Freedom.  

As I mentioned in my last post, I am feeling an immense urgency to pay off our debt.  Unlike being under a timeline like we were with our housing situation, my hubby and I have never set an official estimated time of arrival (ETA) for our destination of Debt Freedom. [Read more…]

Cheating while on the Dave Ramsey’s Baby Step 2

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I admit it.  We do cheat on our “Dave” plan.

For anyone who has been following me here at A Dime at a Time, you know that my hubby and I are digging our way out of debt via a slightly modified version of the Dave Ramsey baby steps.  We are currently on baby step 2 which is all about paying off debt.  While the math doesn’t always support it, Dave recommends doing this in the order of smallest to largest.  I’m good with that, even if the math doesn’t always make sense.  There is truly a feeling of winning when you do pay off that first debt, regardless of the interest rate.  Lately, though, my hubby and I have been cheating, even above our modification! [Read more…]

I owe I owe; it’s off to work I go!

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Increasing hours and bigger checks!   

Wow, it has been a busy week, and it is just going to keep getting more and more hectic.  Hours are increasing with my seasonal position, and I’ve also been asked to work some extra hours at my part-time job.  Topping it off is my personal business, although I do have control over the hours I spend doing that.  I keep reminding myself that bigger checks mean we can pay down more debt! [Read more…]

Still moving forward!

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 Busy days with my hubby home!

Busy days right now with my hubby home.  It seems like there is always so much more to do with him home.   One of the biggest challenges is to keep our budget in check.  Added groceries, a trip to Lowes, annual vet expense ($350-ouch), hair cut for him, a long overdue dental visit, oil change for the car…it feels near impossible to keep the wallet closed. [Read more…]

April goals reviewed and May goals set

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Because…”If you aim at nothing, you will hit it every time!”  ~ Zig Ziglar

Ever have one of those days where it feels like a struggle to get through every hour?  When it came to our finances this past month, this is how every day seemed like to me, a struggle!  April was rough!  I can’t blame it on anything, in particular, just a lot of everything.  Despite the challenges, we persevered.  I’ve updated April’s goals in red.  While it would be easy to feel defeated, I don’t.  We still made progress, and I am thankful for what we did accomplish. [Read more…]

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