The interest rate is WHAT?!?!
Yeah. We're having a boatload of fun over here at the Penguin household. Woo. As we calculate our debt, add up the amounts and discover how much we're being raped in interest charges...we realize how much better life will be when we learn to live without all this credit.
Some day I hope to be living fully within our means. No credit cards, no interest charges, no more worries. The habits we have are learned from an early age. I'm watching our parents...and I'm thinking we need to break this habit or we're never going to get out of debt. I don't want to pass this on to our girls. I want them to be patient and appreciate things. I want them to work hard and know that getting where you want to be takes hard work.
I want to learn to work hard for myself and for what I want. I want to fully appreciate what I have already in this life, not what I want tomorrow or next week -- to love and be happy where I am. So here we go with the stark truth. There is no more hiding from it or pretending it doesn't exist. Our time has come to face our mistakes and learn from them.
This is for you, my darling babies. xo
*hugs*
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