6 August 2009: I will have to wait to quit my second job. I am moving into a new place and need the extra income. There is always next year.

• Pay off credit cards
  • no balance on store cards
  • no balance on citi card

This is my main goal. Once the debt is gone, I can quit my second job. The target date is August 1, 2010. How to do this:

• Pack a lunch to eat at work.
  • Healthier
  • Less expensive than going out
• Don't buy coffees every morning!
  • Monday mornings only
  • Use reloadable gift card
• Budget $40 for the entire week ($20 M-F and $20 Sat-Sun)
• The remainder of the 2nd paycheck MUST go into bank
• Utilize the library for free books, CDs, and DVDs (rent instead of buy)
• Direct deposit Tax return (deposited check in bank account)
• Don't incur additional debt (unnecessarily)
  • I realize that there are things that are outside of my control(doctors visits, car maintenance, etc.)
  • However, gym memberships, new outfits, and T shirts do not qualify as necessary
• Take walks after work and utilize the bike path (in lieu of a gym membership)
• Don't buy anything online
• Take advantage of the music downloads before your subscription runs out
• Do not renew magazine subscriptions
• Clip coupons and shop sales fliers (Wed. is double coupon day)
• I do not need any new clothes!
• Sell old books/cds/dvds for extra $$
• ✔ Donate all loose change to the March of Dimes walk
• Bring coffee/water with me to work

Hopefully this will free up a minimum of $120 extra in my bank account each month.