Why is it so easy to spend money we don't
have?

For we I know it has to do with all
my credit cards.For months now I have wonted
to freeze them in my freezer .It has now
gotten to the point where I have too.Last
month I did cancel one that was going to
start chargeing me a monthy fee for careing it.I don't wont to get rid of them
all, you never know when you might need
one for an ememergency.


The July statement from my Credit Union tell
me that I have spent $404.59 over what I
bring home each month.Total spent $1,153.61.
Total bring home each month only $749.02.
Back in april I let my income tax check be
deposted into my checking acount and I also withdrew $1,000.00 from saving and
added it to my checking acount because I
did'nt wont any checks to bounce.

It not like I live way above my mean. some
time I do let myself be tempted by sales
or go to wal-mart and come out with over
$100.00 worth of stuff that I needed or
had a coupon on.I also have a lot of nice
and nephew that I try to buy bithday gift
for.I also try to keep my little pantry
stocked.

That was $400.00 that could have been put
into saving.

I wont to start living off cash so when
it run out there is nothing els to spend,
my credit cards get me in just to much
trouble.

So my chaillenge is to stay within my buget of $749.00 and not use any of my
credit cards for the rest of the month.

Flinnie