FIRST STEP TO BEING DEBT FREE!

IF YOU LIKE ME HAVE OR HAVE HAD A ITCHY CREDIT CARD AND YOU CANT SEEM TO STOP USING THEM! PLEASE CUT THEM UP NOW!

NOW THAT I SAID THAT I WOULD LIKE TO TELL YOU A LITTLE ABOUT WHY I SET UP THIS BLOG. I DECIDED TO DO THIS BECAUSE I KNOW WHAT IT IS LIKE TO BE IN SO MUCH DEBT THAT I COULD NOT SEE A WAY OUT. BUT I EVENTUALLY DID!
 I HAVE BEEN CREDIT CARD FREE FOR ABOUT A YEAR AND IT FEELS GREAT!
 I HAVE THE MONEY NOW TO GO BUY THINGS I WANT OR NEED AND I DON'T HAVE TO PAY SOME COMPANY INTEREST OR FEES I DON'T MAKE A LOT ABOUT $30,000 YEARLY AND IT IS QUITE SURPRISING HOW MUCH I HAVE NOW THAT I HAVE NO CREDIT CARD BILLS!!

HERE ARE A FEW THING THAT HELPED ME!

• FIRST YOU NEED TO SEPARATE BILLS INTO 2 CATEGORY'S ONE IS HOUSE BILLS, INCLUDING WATER,GAS,ELE.,MORTGAGE GROCERY'S, ALSO ANY CAR PAYMENTS  OR CREDIT CARDS THE  OTHER WOULD BE LIKE GAS TO AND FROM WORK, KIDS LUNCH MONEY, AND ANYTHING YOU NEED TILL YOU GET PAID AGAIN
•  THE BEST WAY I FOUND IS TO GET AT LEAST 2 CHECKING ACCOUNTS LETS CALL THEM BILL AND  SPEND ACCOUNTS 
•  PUT YOUR MONEY IN THEM THE SAME WAY YOU SPLIT YOUR BILLS AVERAGE YOUR PAYMENTS AND PUT THAT MONEY IN A "BILLS" ACCOUNT AND THE REST IN  THE SPEND ACCOUNT.
• DO NOT TAKE MONEY FROM ONE ACCOUNT TO THE OTHER IF YOU DO MAKE SURE IT IS FROM THE SPEND  ACCOUNT  TO THE BILL ACCOUNT. IF YOU START TAKING MONEY OUT OF THE BILLS ACCOUNT YOU WILL END UP MISSING A PAYMENT (TRUST ME I KNOW)AND THE BANK WILL FINE YOU FOR IT OR THE CHECK WILL BOUNCE @ ABOUT $32. A BOUNCE!!!!!!!! SO I LEAVE MY BILL ACCOUNT ALONE!

I HOPE THAT HELPS,  ANY QUESTIONS?