March 23, 2014
I am a Dave Ramsey and Suze Orman fan. I've been working on getting out of debt for quite some time. I was just about there... and my 18 year old car gave up the ghost, and suddenly, I found myself $22,000 in vehicle loan debt... a place I didn't want to be. I realize for most of America, a vehicle loan payment is part of life. However, I am bound and determined to be debt free... and that includes car payments, and eventually my house.
Like everyone else, I don't have an unlimited bank account. The minimum monthly payment on my used RAV4 (my dream vehicle, actually) stretches my budget far enough, and over the past year, I have not enjoyed sending off that monthly payment. But after crunching the numbers, if I work REALLY diligently, I can pay this puppy off early. Very early.
Prior to number crunching, I budgeted $75 a week for one adult for groceries, and was able to manage well on that, eating a lot of organics, etc. However, the lure of saving an extra $200 every 4 weeks to pay ahead on my car by cutting my food budget to $25 a week is almost an irresistible challenge.
From a dietary standpoint, a few things have to happen. I need to stick to the $25 a week on average. My diet needs to be varied and healthy. It needs to include a minimum of 5 fruit/veggie servings a day, and it can't depend on $1 a pack nitrate laden hot dogs. I am going to have to temporarily forego the mainly organic stance, but I do have a few qualifications here as well. The majority of my dairy sources need to be rBST free, and I will try to avoid things on the dirty dozen list, and use those on the clean 15 when I can't get organic. Locally grown is better, and free range eggs are a must.
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