This should be my last month of increased indebtedness, now that the final payment on the rental's new roof has been made. That's assuming that I don't borrow any money for Christmas.
Well, heck, let's assume that, OK?
My total indebtedness increased in October by $1044,85.
That means my year-to-date decrease in debt is a mere $1158.
Basically, I scrambled to pay off debt for 8 months, spent like crazy for two months, and here I am!
But I have slashed my Christmas budget (remember, I'm the major buyer of gifts for 12 folks!) and I'm thinking I'll get through the holidays without using credit cards, lines of credit or any other form of debt.
After that? A whole new year with new frugal resolutions!