Post of the Day
November 18, 1999

Board Name:
Living Below Your Means

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Subject:  The first day of my LBYM life
Author:  jeremydtn

This is a little strange for me. I normally lurk for the most part, with only an occasional comment about this or that. However, today is different.

This morning, my old life ended, and my new life began. To say that this is a sudden thing would be incorrect. I have always been irresponsible with my finances. I have consistently paid bills late. I have spent money on frivolous things, and ignored the important...until now.

This morning, my fiance came to me and told me she was scared. She has, through necessity, always been wonderful with her financial responsibilities. She has raised a son on her own. She has protected her credit and good name with a vengeance. But today she told me my financial recklessness scares her. I thought my heart would break.

I guess that poor money management can be like alcoholism, or drug abuse, in that you often don't think you have a problem until you hit a low point. That low point came to me this morning. I never want to feel as bad as I did when she told me I scared her.

Therefore, I am proclaiming this day the day of my rebirth into the LBYM lifestyle. This is a start, and I'm sure I will have a misstep or two along the way, but I know I will make it.

Starting now, I will:

1)Pay bills on a timely basis.(This seems like a no-brainer, but I have a TERRIBLE habit here)
2)Not spend money on soda.(This is a BIG problem)
3)Not eat out every day.
4)Find more ways to cut costs in everyday living
5)Communicate better with my fiance about money, so she never feels scared again.

Thank you for letting me ramble. I know this is not the normal LBYM post, but I have not found anywhere else in cyberspace where there is a group of people who would understand the problems and triumphs of financial responsibility. Thanks.