About Me

Denise

45, married with no kids at home and meeting the challenge of paying bills and saving. I work retail and my husband owns a new eyeglass repair shop. We have no current debt but do have old debt to handle. One thing at a time, one day at a time!

Words to remember: "The chief cause of failure and unhappiness is trading what we want most for what we want at the moment."

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2008 Goals
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Increase emergency fund to $2500
Quit smoking (Quit date January 31, so far so good)
Save ~~$25~~ half of each of my checks
Waste less
Eat more meatless meals

$20 Challenge balance as of April 14, 2008 = $335.98
1 old debt paid - $47.42

The Big Quit

December 30th, 2006 at 10:43 am

I have 3 cigarettes left and have decided not to buy anymore. Our quit date was set to be January 1 but it's silly to spend almost $2 to buy cigarettes later today when tomorrow is my last day to smoke. So, when these 3 are gone, they're gone.

DH has a few cigarettes and wanted to buy some more a bit earlier but I expressed how I feel about buying more when we're about to quit and he agreed and didn't buy any. So when his are gone, they're gone.

I'd forgotten all about the $1 tax going into effect Monday. That's yet another reason to quit smoking. The cigarettes that now cost us about $1.45 will cost $2.45 and that's just ridiculous. That means that if we continued to smoke we'd spend about $280 a month on cigarettes!

We can't afford to smoke and it's horrible for our health so that's it. No more smoking when these cigarettes are gone. No more smoking, no more smoking, no more smoking...

Posted in Savings, Goals and Objectives | 8 Comments »

8 Responses to “The Big Quit”

Ima saver Says:
December 30th, 2006 at 10:53 am

Good for you! I quit cold turkey about 15 years ago!
spendless Says:
December 30th, 2006 at 10:54 am

Good luck.......should notice extra $$......plan to save or invest or you,re liable to just spend away.

To your health ! Happy New year.
denisentexas Says:
December 30th, 2006 at 11:15 am

Okay Ima Saver, what suggestions do you have for cold turkey quitting? I need all the help I can get. I have straws cut up into the length of cigarettes and will chew on those. I already am! I can't afford to eat more as I can't afford to gain weight - I'm trying to lose! Other ideas? Thanks!

Spendless, I'm going to put the money we don't spend on cigarettes away every week. That will help me stay motivated, I believe.
janH Says:
December 30th, 2006 at 11:17 am

Good luck! What a great way to start the new year--doing something really great for your health. And the budget!
living_in_oz Says:
December 30th, 2006 at 11:19 am

I'm SOOO proud of you guys!! You can do it! I know it'll be tough at first but just stick with it! Not only will you save yourself the cost of the cigarettes, but you'll be saving yourselves THOUSANDS of dollars down the line on health care costs.

GOOD LUCK!!
rduell Says:
December 30th, 2006 at 02:33 pm

Wow! Great habit to break! You can do it!
denisentexas Says:
December 31st, 2006 at 06:08 am

Thanks for the encouragement and support, yall. I know I can do this! I keep telling myself that and I *will* make it so.
Broken Arrow Says:
December 31st, 2006 at 06:37 pm

Yeah! Kick that habit to the curb!

Pennywise Meanderings

Money isn't everything but it rates right up there with oxygen...

The Big Quit

8 Responses to “The Big Quit”

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