get out of debt card

GET OUT OF DEBT CARD


The city of Elko here in the desolate northern wastes of Nevada is not in as bad of shape as some government entities, but they also don’t have a lot to brag about. They might “only” see a slight shortfall every year, but they also aren’t balancing the budget either. Front page news the other day actually had a city flunky bragging about this. Revenue declined by over 2.5%, but they are so proud that this year, as opposed to last year, they got their expenses down a whole one and a half percent. Oh, gee, look at us, we are such brilliant politicians. We could have given you 2% cuts in services but through hard work putting our noses to the grindstone we are instead only giving you a 1% cut. It still pencils into a 1% deficit you jerk off whores. We are supposed to reward you because the deficit could have been worse? Idiots in office plan for increases into infinity for revenue. Planners without their head up their asses put aside surplus in times of plenty to pay for times of lean. But, at least here in Nevada, all politicians had their head up their asses. Can’t handle a 1% cut! This would like me telling you I can’t cut $8 from my household budget. Hell, just on my paycheck ( before I get paid for writing ), I spend 10% net on buying books. My alcohol budget was until recently 5% of net, now savings. My old cigarette budget was 8% of net. Now savings ( my own cigarette consumption is so low I can hide it in my “misc. budget”. The ex was 12% of my budget. My next plan is to stop driving completely as soon as the years auto insurance, pre-paid, is up. There’s 10% of the budget just from gas. I’ve just shaved over 20% off my budget. But our city can’t pull 1% out of their ass. Worthless bastards.

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Jarhead Survivor over at

http://www.shtfblog.com/current-eventsget-out-of-debthave-a-plan/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+SHTFblog-AreYouReady+%28SHTF+blog.com+-+are+YOU+ready%3F%29

gave me inspiration for today’s article. He did the standard “no luxuries whatsoever to get out of debt” plan. Not a bad plan at all, but I would have been disappointed in him if he couldn’t have pulled it off. The Marines are supposed to be the biggest baddest hombres out there so giving up a few trinkets shouldn’t be nothing to them. New car- only Navy pukes need those. Cable TV- Army grunt eye candy. Eating out- only those pussy wingnuts need to do that. If a Marine spent half the energy they use keeping that broomstick up their ass to get out of debt by living cheap, it should be easy peasy. But, alas, even in my admiration I must get all pissy and judgmental. His plan, while great, and I commend him for it, simply doesn’t go far enough. A used car? A Marine shouldn’t need no stinking car. What if your Hummer broke down, boy? You can walk some, can’t you? Get your ass on a bicycle. Surely a few degrees below zero and several inches of snow won’t stop you. If it simply takes too much time to commute, move closer to work. If you are making car payments, repo it. If your house is a worthless bastard, jingle mail the bitch. Why do you need good credit? Good credit means the ability to get into debt ( you don’t need ANY credit to make junk land payments to E-Bay sellers-and yes, while still technically being in debt the difference is you can walk away any time plus it is a fabulous investment ). YOU DON’T WANT TO GET INTO DEBT, YOU WANT TO GET OUT OF DEBT. Screw your credit rating. Am I the only one not high on new car formaldehyde? I’m no genius, but this stuff is as easy to understand as not touching a hot stove again.

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Let’s say that you cut out cable TV and broadband Internet. And eating out. Call it around $300 in savings ( I might be low, but it seems impossible a couple would willingly spend over $150 to $200 eating out each month ). No car payment, add another $300. $600 will eat away at your debt pretty quick. But not quick enough. You don’t have five good years of employment left before you are pink slipped. You need to be out of debt quickly, to be able to weather the financial crap storm coming that will make 1935 or 2008 look like a grand party. You need the money free for preps and a debt free place to live. You need to stop driving altogether. At least $200 a month in gas and insurance and maintenance. Do whatever needs to be done to decrease your shelter costs. Even if you stay renting a house, move a few boarders in. Either way, about another $400. Now you’ve doubled the amount saved. It is literally that easy. The first step is getting rid of the totally frivolous. Cable, cell phones, eating out. The next step is going without a car. Then, downsize the shelter. The last two are much harder than the first three. Welcome to Resource Depletion World. Just as it gets harder and harder finding the same amount of oil now, so too is it a lot harder after the initial cuts to trim the budget. You are getting closer to the muscle as you trim the last of the fat. Boo Hoo!! Cry me a friggin river. It is a lot easier to embrace the pain now than to face debtors prison or a variant of it soon. The dirty secret you aren’t being told is that once everyone needs to be forgiven their debts, no one will be able to. You need to act now while it is legal. Of course it is hard. Of course there are snags I haven’t foreseen ( some places might make it harder for you to give up the house ). But I guarantee you it is easier now than it will be. Take it to the taxpayer bailed out bank.

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