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Debt Diet Week 16: Payday Splurges, Negotiating With Family Members

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This is our weekly installment of The Debt Diet Challenge, in which we follow the progress of participants selected to take Jean Chatzky’s Debt Diet as they work to get themselves out of debt and on track to a better financial future. Every week, the participants blog about their experiences with the program. Here are their latest dispatches…


I received my first check last week from my new job.  I was planning on saving most of it, but I think I spent it on eating out and miscellaneous things that I really didn’t need.  I think I was excited about getting a regular paycheck and thus I blew it.  Well I can’t redo the past, so I need to focus on the future.  I have my next highest interest card scheduled to be paid off this week. And then with the next paycheck I will have another credit card paid off.

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I talked with Jean about the stock plan at Walmart and she suggested that I work on my emergency fund for now.  So that is what I will be doing.  I think if I put half my checks into savings, I will build it up faster.  With Christmas coming, too, I have to plan on gifts for my kids and grandchildren.  I do well sticking to a budget for Christmas and so I am not really worried about that.  I have asked them to send me a list of items they want so I can get started on the shopping.

I had to purchase new shoes, and I thought I did well, but they still hurt my feet and legs.  I am going to try the Dr Scholl’s in these to see if they help.  They were the only pair that fit comfortably because I have wide feet.  I found a pair of Nikes that felt OK, and I may need to go back and get those next week if these don’t improve.  I am also going to check into support stockings to help my legs.  And this week I am focusing on making my lunches and staying at work.

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I did notice that I did not have to fill up my car in 3 weeks, which I figured saved me about 180.00 dollars.  Wow, that was worth quitting real estate right there.  That doesn’t include if I would have showed property, which would have used more gas.  That savings alone will help pay off more loans.  Yeah!!!

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