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Showing posts with the label debts

A #piggybank for everything

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NOT one single debt since years Something I really hate is  a debt . I always was good in saving, never wasted any money. Yes it was true I could do way more with 10 cents as most people with 1 dollar and... I still can. As long as I make a sport out of spending as less as possible a low income is not a burden. My children even help, we encourage eachother and we all.are rewarded for it with some extra. I was able to pay of a debt, live with 3 children and pets, buy something extra and... save. The debt I had was not mine but my ex husband his and were debts of my (so called) friends, whom I just tried to help. Those debts were sky high. I had to pay for it, was punished for being helpful for the next 35 years of my life. I decided  not  to do so and although I did pay a part of it, I did not do so for so many years. Already since years I have no debts. I only buy if I do have the money, saved for it first plus I alway pay cash! I have reorganised my expens...

No excuses, start saving (again)!

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If it comes to my present income I do belong to the lower class. I choose to work less as the 60-80 hours a week I did. After 20 years of a big lack of sleep (only 2-3 hours a night or none at all) it was a good decision to change those hours for just 24 hours a we ek. Before I did so I calculated what I did need for a minimum to keep me and my kids alive. For sure is that working a lot does not only generate extra income but also a mountain of extra bills. I have a place to live, I do not live in a dump. I take good care of my stuff so it does last long. We have our daily meals ans some extras. There is room for presents and we can go out for dinner or... about once a month. We even have pets. I have all the necessary insurances (health, funeral, liability insurance, car, etc). What I do NOT have i s: - unpayed bills - debts - loans Money, savings, does make feel people saver and it has been proved they are more happy. Money does not stink at all! It rules the world, ...