My DH will be deployed for 15 months and I have 2 years left to finish my degree. What to do? I guess go back to school anyways and finish as much as I can. Is it worth it to almost finish? Is it even worth it to finish at all, if we keep moving around (due to DH being in Army) will the degree really mean a higher paying job? Should I take out student loans or pay from savings (and future savings)?
Archive for June, 2007
Nope, not divorce...deployment. My DH is supposed to be deploying in a few months to some far off country and will be gone for 15 months. Tours of duty overseas used to be 12 months but they've recently been extended. Very upsetting!
I would be so lonely here, so I think I'm going to move back in with my folks and try to finish college. I'm ussually a glass-half-full kind of person, so finishing school would probably be the best thing to do while he's gone.
I still don't believe he's leaving though. It's funny, I say I'm an optimist and believe the glass to be half full, but really I'm an optimist because I refuse to believe that the glass even exists. *sigh*
Well, this is the end of my daily spending journal. I decided to put an end to it because, well, it was boring! I guess that's a good thing though.
We're still using cash only and being very frugal for the next couple of weeks. Overall, it's not too bad. The only time it's truely hard to be thrifty is when we're out with our friends who want to constantly shop and buy drinks from Starbucks.
Recently, I paid down one credit card that had a balance of $1,500. Next, I shall tackle my credit card with a $2,000 balance. Wish me luck!
I had a no spend day but my husband bough beer. I wasn't very happy about it...I hate beer and I kind of consider it a non-neccessity, but he bought some anyways...
$30 on gas
Hopefully that will last me a while!
No spend day!
I tried to break the cash-only plan again today! Funny how hard it is to change old ways... Well the reason was that I pulled into the gas station early in the morning, on empty, and the station wasn't open yet so i could only use a card.
I drove to the next station that was open, and paid cash!
$18 on gas
$2 on lunch at Jack-in-the-box
Well already I've broken the cash-only plan! Curse! I went to the groccery store today and was short $7 so had to swipe the debit card. Also my husband bought and ink cartrige since we were out.
$47 on grocceries
$18 on ink cartrige for printer
I'm adding a new category called Spendometer which will be a daily tracking of what I spend my cash on. I think it'll help keep me honest and also help show where our money goes now that we're on a cash-only plan.
$14 on gas
After talking over the finances w/ my husband, we have decided to go on a cash-only diet. That means all 3 of the credit cards have been kicked out of our wallets, and our debit card is taking a vactation in the back of the wallet. For now, cash is king.
It's a big change, but we need a big change in order to change the direction that we're going. Lately, we've been treading water w/ our credit card debt and even drifting further from shore. We've been making large payments, but still charging new purchases, so the bill has steadily risen. Now we've said "enough" and are going to pay the debts off, and stop relying on credit cards for instant gratification.
It's going to be rough for a while, but that's good...because we've never really had it rough before. Anytime we wanted something (within reason) we just used the credit cards. And even though we knew the right thing to do was to pay the bill in full each month, we kept saying someday. Well someday has finnaly come and we're going to make it happen!
I edited our net worth to put in the exact figures and that raised it a little. It's going to change dramaticaly tommorow or so when I pay a couple thousand dollars on our credit card bills, thanks to the advice of everyone on here!