getting ready.

paycheck still hasn't come in, but i'm getting ready for when it does.

i haven't done any major grocery shopping in awhile; first we moved, then we visited my parents' house, then...well, we had no money. but later this week, that will change. and when it does, i want to be ready to spend my grocery money in the most frugal way possible.

i am starting a price book, modeled after the one that amy dacyczyn lays out in the complete tightwad gazette. (i love love love this book...bought it off the bargain book rack at barnes & noble when i was in college.) i've always been intimidated by some of amy's more in-depth math...i'm terrible at math. but who cares? a price book is math i can handle, and i'm at the point where i'm ready to take that on.

i also downloaded a new app on my iphone for tracking my spending. it's called money smart, and not only does it let me balance my accounts, i can also use it to keep track of my bills and track exactly where my money goes. i can create my own categories to track my purchases. it's really useful, and i'm enjoying it.

in addition to money smart, i also downloaded an app called debt tracker. this app lets me keep track of every debt i have and set up a repayment plan based on dave ramsey's snowball method. i haven't been brave enough to lay out all of my debts in this one yet. but i will.

creditors are calling incessantly, because i am late in paying them. man, i can't wait to get caught up on all my bills and not be behind ever, ever again. and then i can't wait to be out of debt and never, ever be in it again. that's a long way off, but a girl can dream.