Act 100

The best things in life are free (but I still need money)

100 days in to 2013. Where does the time go?

100 debt defying acts. What have I learned?

I’ve learned you can do as much with less. I’ve spent less money and managed to restore healthy cash flow. I’ve learned to shop smarter and to cut out the extras.

I’ve learned that I can’t do much about my banking situation. I can’t change my mortgage (at 5.16 with my credit union) or get access to more cost effective credit for my business because my business is very small. Business banking really only kicks in if you’re in a million dollar range. Anything below that has to be financed by personal credit. I’ve checked (my credit union said no to that too).

I’ve learned that I need to think about savings even while I’m in debt. Time is my friend and I shouldn’t waste it.

So I know what I know now and I move forward. I know it’s working. I know I’m grateful and I know I’m in charge. And you can’t put a price on that.