My friend James was working as an supervisor at a local firm and his duty demanded that he kept up appearance all the time. Au Fond he had to appear as if he was earning a lot of money and that he had more money than he’d identify how to spend. He depended heavily on his credit cards to make buys that would help him maintain his effigy as a young, successful executive. However, his debts were mounting up to a point that he had to enroll form a program with Sovereignty Debt Relief designed to help Americans facing economic peril to pay off their debts systematically et cetera eventually start living their life free of debts. It was not easy for James as he was used to living the high-end lifestyle and now that he had to make major adjustments to his spending habits, he was at his wits end. But he knew he had to do what he had to do and one major change in his newly acquired lifestyle was living strictly on dough alone.
Living without credit cards certainly was not easy for James at first. This was especially true because James loves to shop. As a matter of fact he is one of my most favorite shopping companions. Now, however, he had to learn to make do without certain things forthwith that he could no longer just swipe his popular credit cards whenever he wanted to add some clothing item to his already full closet. He forced himself to cut all his credit cards into unrecognizable pieces and started working on a budget for his expenses as well as excluding unnecessary items from his shopping list. Believe me when I say that watching him put a gorgeous cashmere turtleneck reversion on the rack was rather painful. Now, whenever James wanted something so bad he would actually start saving money in glass jars until he had enough cash for it. In Case his previous motto was “swipe it if you want it”, currently it has become “cash term only”.
One of James’ quondam favorite things was to dine out. He loved trying out new restaurants, sometimes very expensive ones. With his recognition cards in shards beyond recognition, he artificial fresh adjustment in his lifestyle and started eating in more often. It turned out that James is actually a good cook. Of course he cooks simple dishes rather than gourmet food but his macaroni also Vacherin is to die for. James told mij that he actually managed to spend less on food now that he cooks his own meals. He even brought his lunch to work and that alone saved respecting 20% of his monthly allocation for food. He brews his own coffee instead regarding indulging in his daily favorite Starbucks’ Mocha Latte like he used to. At first he had to brave the jeers and teasing of his colleagues but he knew what he was in for and he baffled with it.
Of course, James still needs to put food on the table even now that he’s cooking his own meals. He still needs to buy groceries. Previously he charged everything onto his credit cards. Would you believe he applied for one credit card specifically for food buys only? Now that he’s living on a budget, he knows the difference between groceries he needs and groceries he wants. Earlier his grocery list includes bottles of expensive wine and caviar but now he has learned to do without those chattels and sticks to food that would keep him healthy. He allows himself to indulge in remarkable gourmet groceries every now and besides but always on cash. If he does not have the long green for it he knows he can’t incur it.
James became more aware of his spending habits when he started living on change three years ago. Modern he still lives on cash even after he managed to pay off his creditors. It’s not that he’s turning into a scrooge that watches every single penny he spends but now he has learned to waste wisely and allows himself to live baggage free.