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I was living in total terror of anything financial. By the end of June 2009 I had generated thousands of dollars in overdraft fees and lost thousands of dollars in expired unfiled medical insurance claims. And I had accumulated $40,000 in debt.
In desperation I joined Debtors Anonymous in July '09. Since then I have neither incurred any overdraft fees nor have I missed any insurance claims. Working DA's 12-Step program I have learned how to live within my means one day-at-a-time.
If you have questions or are looking for more information about DA you can feel free to head over to our DA SparkTeam at http://teams.sparkpeople.com/debtorsanonymous
I don't know how much cigarettes cost now, but whenever I give up drinking I seemingly have more money in my wallet and am able to pay more towards my credit cards. That should be incentive enough for me to never buy the stuff again, as my big goal is to pay off my LISA CARD and stop living from paycheck to paycheck! That's the only place left I have to cut back since we live within our means otherwise. Done deal.
From EVERY paycheck, 10% goes into savings, 10% goes to charity giving/church and the last 80% you live on. Other than housing, you should pay off every bill every month. If you can do this, you are living within your means and will succeed financially in any economy.
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