Thankfully it is asset debt, not credit card debt. This is my silver lining for July, my finance freakout month: auto insurance, big water bill, utilities due at the end of the month. Oh yeah, and I owe 45% less on my mortgage than I did when I bought, the principal portion is now over twice the interest portion.
How is it that I can easily calculate the densest and cheapest protein sources, but be in a quandary about what to do with the few dollars remaining from our bank accounts, or how to properly monitor our budget and discipline ourselves to have delayed gratification. I am probably overwhelmed by too many choices and my unwillingness to extend the amortization terms to pay even more cumulative interest.
Visit to optometrist went much better than orthodontist. I did some things differently: I had a bill from last week's visit I announced my intention to pay. I had my Health Spending Account debit card with me and asked if I could pay that way. When there was a discrepancy between what the front desk person heard and what I heard for my next scheduled visit, she offered to double-check. I was proven correct. And the optometrist told me he'd waive his personal services fee as I have a high-deductible Health Savings Account. Plus he gave me four free bottles of artificial tears to hydrate my eyes, so they don't burn when I put in my medication. So glad my assertiveness has improved. It also helps that the number of employees is smaller.
I'm also a little down on how hard 10-year mortgages are to find these days. I'm not into paying so much interest up front anymore.
I do feel like a mental defective with budgeting after reading CNN's collection of
Under $130000 in debt
July 18th, 2013 at 07:48 pm
July 19th, 2013 at 04:24 am 1374204255
July 19th, 2013 at 06:36 am 1374212169
July 20th, 2013 at 12:53 am 1374277984
That's really exciting - congratulations!