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Welcome to my Journey to get Debt Free

Welcome to my new blog! I have decided to chronicle my new journey to becoming debt free. This journey will most likely take many years and I am late to the party but its imperative I start it. I have always been fast and loose with my money (what little I have) but mostly I've been irresponsible with credit cards and other sorts of credit.  I have little patience and once I make my mind up I want something, that's it, I get it.  I have paid off tens of thousands of dollars in credit card debt over the past 25 or so years. I could have been a millionaire by now if I had been more responsible and had more self restraint! I refinanced my house so much over the years so that I could use the equity that I found myself underwater with the mortgage when everything collapsed in 2007.  Is any of this sounding familiar yet? I sincerely hope so because it would be devastating to find out I'm the only one on this earth who is going through this. The catalyst for this journey was...
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First Week Done

I am beginning week 2 of my debt free journey. I've finished one week of my new part time job-18.5 hours @ $12/hour. I'm very anxious to get my first paycheck which I hope will be next week but because the company is changing from weekly to biweekly, I'm wondering if I will have to wait another week. That will bring me into November so the question is, do I apply the money to the October budget because that is when I actually worked, or do I apply it to the November budget because that is when I got paid? If I apply it to October, I will put it in my emergency savings account as Step One of the Total Money Makeover is to save up $1000 in an emergency fund. This sounds illogical because it would seem that the main objective is to get out of debt as soon as possible but it actually makes sense. If I apply every extra dollar to my debt payoff right now, I will have nothing available for any kind of emergency, whether it be automotive (always my luck!), veterinary ...
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