I really believe that now is the time to be proactive. You can't wait for someone to change your situation. You have to change it yourself. I believe that I have to be responsible for my own life, and in turn I am responsible for the outcome of my life. I have made a very drastic (in my view) change to my financial planning.
I have decided to stop contributing to my 403B in order to ramp up my savings and pay off debt. I was contributing $220.00 am month pre tax which decreased my take home pay about $150.00 a month. From now until December 31 I will be contributing that money to my emergency fund, and then next year I will be using it to help pay off my car loan and the rest of my student loans.
As far as Christmas shopping goes, I will be going to Kmart and putting some things on layaway, I have about $700.00 in a Christmas fund, but I have decided I will not spend that money right now. I would rather pay as I go. My budget this year is going to be about $300.00!
As soon as I get to kmart I will post on the layaway process. Maybe because the economy is so bad more stores will start allowing customers to use layaway!
until next time, think prosperous thoughts