While over at Mrs Micah‘s this weekend migrating BudgetsAreSexy to WordPress (woop woop!) I had noticed a sexy little backup drive purring on her table. I wasn’t sure how much it cost, or how much data it held really, but the only thing I could think of at that precise moment was, “I must have it!” followed minutes later by, “it’s too bad I’d never buy one for myself.”
As much as I WANTED that shiny hard drive in my blogger lair, I know myself oh too well that I’d never get it. At least not in the near future. I have a perfectly good back up drive already, why drop an extra $100+? The truth is I wouldn’t. BUT, that doesn’t mean somebody else wouldn’t! ;)
Whenever I want something really really bad but can never justify picking up, I write it down in my Wish List.
This way, I always have a list of exciting items to ask for during birthdays and holidays! It sounds funny because you’d think I could just ramble off a whole bunch of stuff I wanted whenever asked, but for some reason it never works out that way. I either come up with stupid stuff like chocolate bars and lottery tickets, or I blow through an hour on the homepages of Amazon and the like only to come back with squat. And nothing is worse for moms than hearing the “I don’t know” bit when it comes to buying us presents. Whether we want them to or not (and believe me, I’ve tried on many occasions to curb the gift’age), they plan on spoiling us and getting us something we truly enjoy – which is exactly when this Wish List comes in handy!
So the next time you come across something you’d love to have but can’t justify picking up right then, write it down. Not only will it give you something to look forward to one day, but you’ll always have an answer for dear ol’ mom :)
Bonus tip: Find a good "balance transfer" offer to help pay off debt faster!
If you’ve been making payment after payment (on time) and still haven't been able to get your debt under control, snatching up a good balance transfer credit card offer may be the ticket to try. That’s where in order to gain your business - credit card companies will let you transfer your existing debt to a new card and let you pay ZERO PERCENT interest on it. Saving you tons every month!
What's the catch? Usually balance transfer cards charge a fee (around 3% of your debt balance) to let you transfer your balance to their 0% interest offer. But we've found a great credit card that will let you do a balance transfer absolutely free. Click here to learn more and see if you qualify!
PS: If you don't trust yourself with another credit card, ignore this! This strategy is to help you get out of debt quicker, not risk adding more to it.