Progress Puppy – Day 9

" My name is Sgt. Pupperstein and I'm here to kick some ass"

Instead of naming this a progress report I decided to go with progress puppy because nothing good has ever come out of anything involving the word “report”, Report Card (bad), Police Report (never good), “Please report to the manager’s office” (palms sweating). This is supposed to be a good thing and what’s better than a puppy? Well maybe a kitten but that’s a matter of opinion.  Also, apparently he’s German and very persistent. Something about nomming us to death if we don’t succeed.  So here we are 9 days into our journey and I hope you’ve made some positive changes like I have. Below I’ve listed some steps I’ve taken recently or in the past that have helped me.

  • I canceled my gym membership. My membership cost me $24.99/mo, I could’ve downgraded to the cheaper option of $12.99/mo. But, so as not to be a hypocrite, I don’t have the cash therefore I cannot afford this luxury. Plus, this is saving me $300 a year! There are plenty of workout routines that you can do from the comforts of your home so the excuse, “eh but I’m going to get fat”, isn’t a legitimate one. Don’t make me sic Sgt. Pupperstein on you.
  • I am no longer indulging in my magic morning elixir, Starbucks, sad face. This number is going to WOW you because it sure slapped me in the face. With refraining from making this tiny purchase of $2.75 a day I am saving $528 a year! That is at the cheapest cost, at my highest I was spending $5.25 for an effing cup of joe yo! We’re in debt, we can no longer or never could, afford this. So stop justifying small purchases, silly ass! That was directed more towards me than you.
  • Call your card company, say what?!  They want your debt gone as bad as you want it paid. They aren’t going to yell at you, or send the police to your house for owing a debt. Ask if they can lower your finance charge or interest rate. Interest rate is a little harder to get lowered because you’ve previously agreed to this rate. Check the fine print of your card information. Please call, it can’t hurt. But whatever you do, don’t cry because that’s embarrassing and makes it awkward for the poor fellow on the other end of the phone, not that this happened or anything, I’m just guessing it would be.
  • Car insurance, little known fact here, you can be set up on a monthly payment plan. Call up your insurer and explain that you’re having a difficult time making the onetime payment of $5,000,000 and you would like to see if  you could be set up on a monthly plan. This makes you bill much smaller and more manageable. Obviously your insurance isn’t 5 million dollars but you get the point, call!

Just by abstaining what I viewed as minor purchases I am saving $828 a year. It just blows my mind and maybe this why normal people don’t go into debt because they grasp where debt comes from.  It may not seem like the issue when you’re glancing at the monthly bill but it sure seems like a start when you factor in the yearly total. Keep on keepin’ on.

The sergeant scares me too, I’m sorry for this

D

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6 Comments (+add yours?)

  1. ellepbee
    Jan 24, 2012 @ 12:48:00

    effing starbucks, WOWzers! lol good job D!

    Reply

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