The Ball

Monica was walking on the immaculate grounds of Whitmore Manor where her friend and co-worker Alex invited her to spend the afternoon.  It was the day before the annual charity ball and already there was a sense of excitement and anticipation in the air.  This was to be her first one since she only started working with Alex in autumn of last year.

As she pondered over what to expect, her gaze drank in the beautiful landscape which spread before and around her.  She was so caught up in her surroundings that she didn’t notice the tall man heading towards her until she almost ran into him.

Her eyes flew up from his broad chest to his face.  Her breath caught in her throat when she found herself looking into classic handsome features.  Dark, wavy hair, dark brown eyes, chiseled nose and his lips…she realized that they were moving which meant he was saying something.  She pulled herself together.

“I–I’m sorry,” she apologized.  “I was so busy admiring the place that I didn’t see you until a moment ago.”

His eyes were riveted to her face.  “And, you are?”

She held out her hand.  “I’m Monica.  I’m here because of Alex.”

“Jared.”  He grasped her hand.  “Does he know you are here?”

“Yes.  He brought me here to spend a quiet afternoon.”

“Where is he?  He’s not a very good host leaving you out here by yourself.”

“He didn’t mean to desert me,” she said, trying to act calm when her heart was racing.  Jared was staring at her with those penetrating eyes of his and he was still holding her hand.  “He had to run an errand and said that he would be back shortly.”

He released her hand then and shoved both of his in the pockets of his trousers.  “So, how long have Alex and you known each other?” he asked.

She put her hands behind her back.  “September will make it a year,” she said.

“You’re different from his other girlfriends,” he noted as he studied her face.

She was about to tell him that she was not Alex’s girlfriend when Alex himself showed up.

He came from behind Jared.  He grinned at Monica.  “I see you have met my big brother,” he told her.  He turned to Jared.  “Thank you for taking care of Monica while I was gone.”

Jared inclined his head.  “It was my pleasure,” he said before his gaze shifted to Monica.  “It was nice meeting you.”

She smiled at him.  “It was nice meeting you too.”

“Excuse me.”  He turned and walked away.  Monica was sorry to see him go.

When they were alone, she turned to Alex, “He thinks I’m your girlfriend,” she told him, looking very displeased.  “What gave him that impression?”

“Well, the only women I brought here to meet Mother and Jared were the ones I dated so when he met you, he naturally assumed that you were my current girlfriend.”  He looked at her.  “Does it bother you that he thinks that we are dating?”

“Yes, it does.”

Alex groaned.  “Don’t tell me that you have fallen for his dark, brooding looks too.”

“Is that why you never mentioned to me that you even had a brother?”

“It must have slipped my mind.  Anyway, let’s talk about something else.  Are you all set for the ball tomorrow evening?  I won’t be able to bring you, I’m afraid.  I have to be here, greeting the guests.”

“Yes, I’m looking forward to it.  I’ve never been to a ball before.  Is everyone going to be there?”

“By everyone, you mean Jared.  Yes, he’ll be there–he and his brooding looks which always seems to attract the ladies.”

Monica looked at him.  “Do I detect a little bit of jealousy?”

Alex sighed.  “Yes, I am jealous and have been since we were children.  He was always getting the attention and the girls.  That hasn’t changed.  Just once I would like to find a woman who will be immune to his charms and prefer me instead.”

Monica tucked her arm in his and gave him an encouraging smile.  “I’m sure you will find such a woman.  Now, this woman would like a tour of the grounds, if you don’t mind.”

He smiled.  “It would be my pleasure.”

It was the night of the ball and she entered the room, her eyes wide with wonder as she espied the magnificent room and the beautiful decorations.  When Alex saw her, he whistled.  He was standing by the entrance receiving the guests with his mother and Jared.  She was wearing a strapless cream chiffon gown and her hair was swept up exposing her long, slender neck.   “You look amazing,” he said as he kissed her on the cheek.

She smiled.  “Thank you.”  Her gaze shifted to Jared who was staring at her.  He looked absolutely gorgeous in his black tuxedo.  Even in her heels, she had to tilt her head back to look up at him.  “Hello, Jared,” she said shyly.

“Hello, Monica,” was his quiet reply.  He had a curious expression on his face.  “It’s good to see you again.”

“It’s good to be here.”  She lingered there for a moment before she moved reluctantly away.  She could feel his eyes on her as she greeted his mother.  The older woman beamed at her.  “You look lovely, my Dear,” she said.  “I am delighted that you could come.  I hope you enjoy yourself.”

Monica smiled.  “Thank you, I will.”  She moved on, taking in the atmosphere, the people.  She saw a few of her co-workers milling about and she joined them.  At dinner time, she sat at the same table with the Whitmore family.  She was seated next to Alex and opposite Jared.  Every now and then, she raised her eyes to look at him and found him already looking at her.  Each time their eyes met, she felt her heart race.  No one else seemed to notice.

The food was amazing and afterwards, there was dancing.  She danced a couple of dances with Alex who was in very high spirits.  Then, as she was about to follow Alex back to the table, Jared barred her.  “Dance with me,” he said and wordlessly, she acquiesced.   Her heart did a somersault when he pulled her to him and they moved to the music.

He was a terrific dancer and his movements were fluid.  She was acutely aware of his hand in the small of her back, their bodies inches apart.  He smelled really good.  It felt wonderful dancing with him and she wished that it would last.  At one point she looked up at him and he was looking down at her.  His eyes were dark and smoldering and a muscle throbbed along his jaw line.  They didn’t say anything but the moment was charged as their attraction for each other was palpable.  She saw his gaze lower to her lips and they parted.

“Mind if I cut in?” Alex’s intrusive voice startled her and she felt Jared release her.  Then she was in Alex’s arms and he swirled her away as Jared walked stiffly off the dance floor.  For the rest of the night, Alex tended to her and she didn’t have a chance to dance with Jared again.  She left the ball feeling frustrated, especially after his cold manner toward her when they said goodnight to each other.

She tossed and turned all night and in the morning, she decided that she would go over to Whitmore Manor and straighten things out with him.  She couldn’t let him continue to believe that Alex and she were dating.  Last night it might have seemed that way, though.  She let Alex have it last night when he was driving her home.  He was sorry and he told her to drop by the manor and talk to Jared.

She finished her breakfast, showered and pulling on a pair of dress jeans and a yellow top, she left her condo.  She took the train from London to Surrey and then a short taxi ride to Whitmore Manor.  The place seemed quiet—she supposed it was because it was a Sunday morning.  She hoped Mrs. Whitmore wouldn’t mind her dropping by unexpectedly.  She ran up the steps leading to the front door and rang the bell.  As she waited she looked over at the spot where she first met Jared.  How handsome he looked that day in his denim jacket over a black shirt and tan colored trousers.

The door opened and the butler stood there.  “Good morning,” he said.

“Good morning.  Is Mr. Jared Whitmore at home?” she asked.

“He is but he gave strict instructions not to be disturbed.  Perhaps, you would like to see Mrs. Whitmore, instead.  She’s in the drawing-room.”

“Yes, thank you.” The man stepped aside to let her into the foyer.  He took her to the drawing-room and after informing Mrs. Whitmore that she had a visitor, he left.

Monica went over to the armchair where the woman was seated.  “Good morning, Mrs. Whitmore.”

Mrs. Whitmore smiled when she saw her.  “Good morning, Dear.  How nice of you to drop by this morning.  Did you have a good time at the ball last night?”

Monica nodded.  “I did.”

“It was an extremely good turn out and I believe that this year we received more donations.”

“Mrs. Whitmore, I came to see Jared but was told that he didn’t want to be disturbed.”

Mrs. Whitmore sighed.  “He’s been cooped up in the study all morning.  Can’t imagine what he’s doing in there.  He hasn’t had any breakfast.  I have a good mind to send a tray in to him.  You know, that’s exactly what I will do.”  She pulled the cord beside her.  “He needs to eat something.”

“Mrs. Whitmore, do you mind if I take it to him?”

“No, not at all.  You may be a welcome distraction.”

A few minutes later a maid appeared and Mrs. Whitmore asked her to prepare a tray for Mr. Whitmore and to bring it to the drawing-room.  As they waited, Monica and Mrs. Whitmore exchanged pleasantries and spoke of the ball.

Then, the maid went in carrying the tray.  “Thank you, Janet,” Mrs. Whitmore said. “Set it on the table over there.”  Janet did so and left the room.

Monica went and took it up.  She went to the door but stopped, unsure of where to go.

“The study is down the hall here and on your right.”

“Thank you, Mrs. Whitmore,” she said gratefully before she departed.

Her heart thudded with every step as she went down the hallway.  She set the tray down on the floor, opened the door and pushed it open.  She took up the tray and went inside.  She stood at the door.  Jared was sitting at the desk backing the door but when he heard it open, he said.  “I gave strict instructions not to be disturbed.  I don’t take kindly to having my orders disobeyed…” his voice trailed off when he swung the chair around and saw her standing there.  “What are you doing here?”

She stood there, unsure of what to do next.  He was standing now, his expression guarded.  “I brought this tray for you.  Your mother said you haven’t eaten.  She’s concerned about you.”

His gaze shifted to the tray and then back to her.  “So, she sent you with it instead of sending Janet?”

“I offered,” she told him.   “I needed to speak to you.”

“Set it on the table over there.   What do you need to speak to me about?”

“It’s about Alex and me…”

His expression darkened at once and he dragged his fingers through his hair.  “Never once in all of my years have I ever been jealous of my brother.  Not even when I see how our mother continues to pamper him as if he were still a child, but that all changed when I met you.”

She stared at him.  “What do you mean?” she asked, looking confused.

“I am jealous of him because of you, Monica.  From the moment we met, I wanted you.  That’s why I said that you were different from his other girlfriends.  I was never attracted to any of them.  You were different because I was immediately and deeply attracted to you.  Last night at the ball, I couldn’t take my eyes off you.  I watched you dancing with him and wished that I was the one dancing with you. Finally, I couldn’t stand it any longer and that’s why I asked you to dance with me.  The way you felt in my arms…” he closed his eyes at the memory.  “It felt so right.  I asked myself how could something that felt so right be wrong.  I wanted to kiss you so badly but just then, Alex came and claimed you and I had no choice but to step aside.  I watched you with him for the rest of the night, kicking myself for falling for a woman who belonged to someone else.”

It took a moment for Monica to answer because she was stunned.  She couldn’t believe what she just heard.  “Jared, I don’t belong to Alex,” she told him.  “He and I are just friends who happen to work together.  When you and I met, you assumed that I was another one of his many girlfriends and when I tried to clear up that misunderstanding, Alex joined us.”

“My brother has a knack for interrupting at the most inopportune moment.”

She took a step closer.  “That’s why I came here this morning, Jared.  To clear things up.  I couldn’t go on letting you believe that I was in a relationship with Alex when I am not.  Alex knows how I feel about you.  He knew it since the first time I met you.”

Jared moved around the desk so that he was standing in front of her.  “How do you feel about me?” he asked, his expression tense.  His hands were at his sides, aching to hold her.

“I never thought it was possible but when I met you it was love at first sight,” she said, her feelings unguarded.

He pulled her into his arms then and he muttered, “I fell in love with you the first moment I saw you and I felt like a heel because of Alex.  That’s why I have been cooped up in here all morning.  I was sitting here, thinking about you and feeling guilty.  And now that I know Alex and you are not romantically involved, I feel like a guilty man who has been granted a reprieve.”

She reached up and cupped his face between her hands.  “You have no reason to feel guilty anymore,” she said, “We are both free and we both know what we want…”

“Yes,” he groaned and his head swooped down.  His mouth closed passionately over hers.

She sighed and closed her eyes as she responded to the kiss which she had been dreaming of since last night at the ball.

Source:  Trainline

The Barbecue

“You’re not his type.” If that smile were meant to take the sting out of her words it didn’t work.  Kay was smarting from it.  “I don’t mean to upset you, Kay, but I thought I would warn you because I have seen the way you look at Quinn every time you see him.  I don’t want you to fool yourself into thinking that a man like him would notice someone like you.”

Kay tried to remain calm.  They were riding down in the lift to the indoor parking lot of their office building.  “What do you mean someone like me?” she asked.  “What is wrong with me?”  She knew that this had nothing to do with race because Joanna’s son was married to a Somalian girl whom she adored.

“I have seen the women Quinn has been involved with and you’re nothing like them.  For one thing, they are stunning, sophisticated and move in high circles.  You are out of your league.”

“I may not be stunning, sophisticated and move in high society but I have a lot going for me.”  She wondered what Joanna would say if she knew that for the past several weeks she and Quinn had been seeing each other.

“When I invited you to my home and you were introduced to him, I didn’t expect you to get any fanciful ideas about him.  He’s a bachelor and enjoys being one but if he decides to settle down one day, I can say with great certainty that it won’t be with someone like you.”

They had reached the parking lot and the doors of the lift opened.

“You have made your point, Joanna.  Now, if you will excuse me, I need to be getting home.”  She left the lift and walked briskly to her car, fuming.  What a great way to start the weekend.  She unlocked her car, climbed in and slammed the door.  As she turned the key in the ignition, she saw that her hand was trembling.  How she hated scenes like that.  She and Joanna had never really gotten along.  They tolerated each other because they worked together.  She found the older woman to be infuriating and condescending.  Granted, Quinn was her brother but he was a grown man who didn’t need her interference in his love life.

Quinn.  The memories of their first meeting flooded her mind.  It was on a Sunday and Joanna had invited her co-workers to her country cottage for a barbecue.  She went with another co-worker and as they were walking up to the area where the chairs and tables were set up, she noticed a tall, handsome and sexy man sitting on a wooden bar. Hmmmm, she thought.  He looked incredible in the white shirt and tan colored pants.  His premature gray hair was very flattering; it actually suited him, although she could see that he was in his late thirties.  She turned to her friend, “Who’s that?” she asked.

Jenny smiled.  “He is gorgeous, isn’t he?” she agreed.  “That’s Quinn, Joanna’s brother. He’s looking this way.  Let’s go over and I’ll introduce you to him.”

Kay’s heart lurched.  “Do I look all right?” she asked nervously.  She was wearing a dark green scarf over her head and loosely wrapped around her neck because she wanted to look chic and a light green dress which complimented her slim figure.

Jenny touched her arm reassuringly.  “You look great.”

They went over to Quinn who slid down from where he was perched; his eyes went first to Kay, then Jenny and back to Kay where they stayed.  By now Kay’s heart was beating wildly and her feet felt wobbly but she resolved to appear calm even though she was far from feeling so.  This close, he was even more devastatingly handsome and his light brown eyes framed by long, dark eyelashes captivated her.  She felt as if she would drown in them.

Jenny looked at one and then the other, amused.  “Hello, Quinn,” she said, greeting him and he had to drag his gaze away from Kay to look at her.

“Hello Jenny,” he said with a smile.  Then, as if unable to resist, his gaze shifted to Kay.  “Who’s your friend?” he asked.

“This is Kay.”

He held out his hand.  “Hello, Kay.”  He smiled at her and she felt her heart stop.

She took his hand and felt his fingers clasp hers in a firm handshake.  “Hello,” she mumbled.  She felt a bolt of electricity surge through her at feel of his warm palm against hers.  Those eyes were so mesmerizing.  Did he have any idea of the effect he was having on her?

“Where’s Joanna?” Jenny asked.

“She’s probably in the kitchen,” he told her.  He was still holding Kay’s hand.

“I’ll go and see what I can help her with,” Jenny said.  “Excuse me.”  She winked at Kay before she walked away.

Now they were alone and Kay felt extremely shy and nervous.  She didn’t know what to do.  She was not used to having a man like Quinn staring at her, making it obvious that he was attracted to her.  She was sure that Jenny was going to tease her about it.  “What-what a lovely place Joanna has,” she stammered, looking away.  “It seems quiet and peaceful.”

“Am I making you nervous?” he asked, releasing her hand.  “I don’t mean to.”

“It’s all right,” she said turning her head towards him again.  “Did you come by yourself?”

“Yes.  I am alone or was alone until you came. I want to enjoy more of your company.  Would you like to take a walk in the English countryside?  We won’t go far or Joanna will be miffed.”

She nodded and fell into step with him.  As they walked, she began to relax and open up, admiring the lush, rolling hills and the sheep grazing peacefully.  It was truly a glorious experience being there in the countryside with its magnificent views–a welcome change from the city.

They talked about all sorts of things and she laughed at his childhood stories.  When they returned to the cottage, everyone was gathering around the tables where the food was laid out and helping themselves.  Everything looked appetizing. They ended up sitting at separate tables, much to her disappointment.  He was at Joanna’s table while she was at the same one as Jenny. After they finished eating, Quinn took her to the little river and bridge where they spent the rest of the afternoon until it was time to go.

Before they parted company, he asked for her phone number.  “I enjoyed our time together,” he told her as they stood under the tree.

She smiled.  “Me too.”

“I will call you,” he promised before he took her hand and raised it to his lips.  “Goodnight, Kay.”  Her skin tingled.

“Goodnight, Quinn.”  He released her hand, albeit reluctantly and she could feel him watching her as she headed to the cottage to say goodbye to Joanna and the remaining guests and get a ride home with Jenny.

True to his word, Quinn called her the following evening and they spoke for hours on the phone, making plans to see each other and have been seeing each other since.

Stirring from her reverie now, she decided that she would go over to his place instead of going home.   She needed to be with him now even though they had made plans for tomorrow.  She went straight up as the man in the concierge recognized her.  She rang the doorbell and a few minutes later the door opened and Quinn was standing there.  He was dressed in a black tee shirt and jeans.  “Hello,” he said.  He pulled her inside and closed the door.  “What a pleasant surprise.”

“I was on my way home but decided to come here instead because I really needed to be with you tonight.  I couldn’t wait until tomorrow to see you.”

His eyes darkened and as he removed her jacket, he began to kiss her.  She kissed him back, struggling to free her arms from the sleeves so that she could put them around his neck.  Finally, they were free and she clung to him as she was pressed against the door.   The jacket was discarded on the floor at their feet and his arms went around her waist as they exchanged fiery kisses until he raised his head to gaze down into her face, his own flushed.  “I love you, Kay,” he muttered huskily. “Do you love me?”

“Yes,” she said in a raspy voice, “I do, Quinn.”

“Stay with me tonight, then.  Now that you are here now, I don’t want you to leave.  I want to wake up in the morning with you next to me.  Say you will stay.”

“Yes, I’ll stay…” Her voice trailed off as his lips sought hers again.

 

 

 

Christmas Shopping

It’s that time of the year.  Malls are packed with people as they try to get their Christmas shopping done. Whenever I go into the mall and I go in and out of the stores, I am reminded why I don’t like shopping and can’t understand why people are shopaholics.  I only go to the mall when it is absolutely necessary.

Thankfully, my husband and I have finished our shopping.  I have discovered that it’s easier and less stressful to find out what people want instead of trying to figure it out.  My family and I ask each other what we want, make our lists and then pick one or two things from the lists. Everyone is happy because we get what we asked for as opposed to getting gifts we have no idea what to do with.

Don’t stress yourself out.  Get a list of things the person might want or find out from someone who might know.  For example, I ask my sister what I could get for our mother and she gives me suggestions.  I did the same when she wanted to know what to get for my son.  Doing it this way is a sure way of not spending endless hours in the mall trying to get something you think the person might like.

For kids you can ask their parents.  If you have kids of your own, you should have an idea of what they like.  With the new Star Wars movie out, some parents are probably getting Yoda (my favorite SW character) or R2-D2 or the action figures.  I just visited the Toys R Us site and they already have lots of items from The Force Awakens.  I can imagine how busy the stores are. My husband and I are weaning our son off of toys and the action figures.  He is reading more now so I suggested to my sister that she could get books for him.  I also suggested getting a journal as he likes to write stories or a drawing book because he likes to draw.  However, as a surprise and a treat I think he deserves for doing well at school, I bought the Lego Obi Wan Kanobi for him and was delighted when I got a complimentary gift wrap.  So, I have one less gift to wrap.  Kids are easier to buy for.  They let you know what they like.   And what a joy it is to see their faces when they unwrap those presents and see the things they wished for.

Don’t spend too much.  And it depends on how many people you are buying gifts for.  I was buying for four people so I set a budget for $200.00 but I tried not to spend more than $180.00. This year, I ended up spending around $160.00, this included cards, stamps and gift bags.  I was determined not to spend more than $30.00 for a gift and look for the items that were on sale.  The most I ended up spending on a gift this time around was $33.00 and change.

Don’t wait until the week of Christmas to go shopping.  Too stressful. The parking lots of the shopping malls were full to capacity and the lines to get in and out were ridiculous.  It took my husband about over twenty minutes just to turn the corner so that I could come and pick me up. Almost everything you want is gone.  I went to get long johns for him and there weren’t any in his size.  I promised myself that next year I will shop either during the last week in November or in the first week of December.

When you have done all of your shopping and gift-wrapping, you can breathe a sigh of relief and take a break.  Then, start planning your Christmas dinner menu….

stressed shopper

Finding Joy in Jesus

The LORD has appeared of old to me, saying: “Yes, I have loved you with an everlasting love;
Therefore with lovingkindness I have drawn you – Jeremiah 31:3

Imagine you are a South Asian woman.  Every day is a struggle and a challenge to survive.  All you know is oppression from the day you were born until the day you die.   As a girl child, your birth is not celebrated.  You feel unwanted and are constantly reminded that you should have been born a boy.  You are neglected, mistreated, abused or abandoned.  As a young girl, you are abducted and forced into a life of prostitution which increases your risk of dying from AIDS.

If you are a widow, you are blamed for your husband’s death.  His family and your community shun you and you are forced to fend for yourself.  You are forced into an inhumane existence.   You are completely alone, with no one to support or care for you.  Life is too hard.   There is no help.  There is no hope.  Only despair, misery and pain.  What’s the use?  Tens of thousands of widows end their lives just to end the pain.

If your dowry is not enough, your husband can douse you with kerosene and set you on fire.  I have read horror stories of women being set on fire by their husbands or in-laws because of their dowries. A woman’s life is not worth anything.  It’s hard to believe that there are countries where it’s not safe to be a woman.  It can even be fatal.  Women who survive infanticide because of gender are forced to live in a society which denies them rights to equality, respect, education, etc.

Being a woman in South Asia is unimaginable and unbearable for many and it is not surprising that the suicide rate is up to 21 times higher than the world’s average.  Life for these women is a never-ending cycle of misery, hopelessness, degradation and rejection.  These women need to know that there is hope.  They need to know that there is a God who values them.  To Him they are precious.  They were fearfully and wonderfully made in His image.

Before I formed you in the womb I knew you; Before you were born I sanctified you – Jeremiah 1:5

Imagine the joy these women will have when they hear about Jesus for the first time through Gospel for Asia’s ministries.  Help them find hope and joy in a Savior who loved them so much that He gave His life for them so that one day they could spend eternity with Him.  They need to know that they are worth a price far above rubies.  They need to know that although there might have been silence in their homes on the days they were born, there was a joyful noise in heaven.

Women missionaries have been bringing the message of love and hope to the women of Asia.  It is crucial that women minister to women because of the Asian culture.  Women are more comfortable around other women.  Gospel for Asia has trained, dedicated women missionaries who are willing to risk their lives to share the love of Jesus Christ with millions of women who still need to hear the Good News. These heroic women missionaries are willing to risk persecution, beatings and imprisonment because they are passionate about giving hope to women who have lived in despair for so long.  They want to offer hurting women healing and encouragement.  They want to bring the Savior’s light and love into their dark and uncaring world.  Many Asian woman have had their lives transformed but there are still so many who are still waiting.

Weeping may endure for a night, But joy comes in the morning – Psalm 30:5

Help Gospel for Asia send more missionaries to those who are perishing without knowing about Jesus and His love.  Find out how at this link.   Help bring joy to a woman in Asia.

 

Source:  Gospel for Asia

Women and Money

I thought it would be interesting to find out some facts about women and money especially as I used to spend, spend, spend money on clothes, shoes, books and Bibles.  I have so many Bibles.  The clothes I bought I had to donate because they couldn’t fit me.  I had to get new clothes when I became pregnant.  I had to get Employment insurance when I went on mat leave.  I am still paying off my VISA debts.  I had planned to buy new clothes and shoes which I really need but will have to wait until the next time I get paid because I have to pay the rent.

Being in debt makes me feel  a bit overwhelmed sometimes and find myself longing for the days when I used to be able to pop into my favorite stores and buy what I needed.  I needed tips on how to stay on top of my debts until they are all paid off and came across these 8 must-follow tips from the Women in Red online community for reducing debt by M.P. Dunleavey.

1.

Face Up to What You Owe Financial solvency starts with fearless honesty. So sit down and tally every last dime.

2.

Set Up an Emergency Fund
Having backup savings will help keep you from going further into the red.

3.

Repay Aggressively
A good online debt calculator (like the one on bankrate.com) lets you run “what if” scenarios with different repayment amounts and deadlines. Choose a plan that’s more demanding than you’d like.

4.

Track Your Money
It’s duller than eating Weetabix for breakfast, but keep a spending diary for at least two weeks. What you’ll learn: why and how your cash is leaking away.

5.

Inspire Yourself
Visualize your post-debt life, when you will be able to use your money for some interesting or more important things.

6.

Go On a Cash-Only Diet
It’s a known law of financial physics: Plastic attracts debt. So cut up all your credit cards (except one, for emergencies), and when you buy, spend actual money.

7.

Pay Bills More Often
Many Racers make debt payments two or even four times a month. This pares down principal faster and reduces interest, too.

8.

Adopt a “No Excuses” StrategyYou may not want to take on a weekend job or sell your grandmother’s jewelry — but maybe you should. Do whatever it takes to succeed. You’ll thank yourself when your debt load shrinks

Right now I have one credit card which I can’t use because I am trying to pay off the debt I still owe.  I am using cash only to buy what I need.  I am really trying to conserve and only buy things that are essential.   I have enough clothes for now and I can survive on three pairs of shoes although one pair looks worn.  I have my moments of discouragement and a sense that I will never get out of debt but then I get suggestions from my fiance and I feel optimistic.  Right now I am looking into an option he suggested to me.  Hopefully it will work.

If you are in debt, don’t be discouraged.  Just focus on paying off your debts using these tips.

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