Well, this is my first journal entry. Today is a "no-spend" day. I just got off the phone with the credit card company. I got them to lower my rate from 7.9% to 6.9% for 6 months. I don't have a balance on the card and they need me more than I need them. This is the first time I stood up for myself with those folks. It felt very empowering to have them do something I wanted rather than the reverse.

I am going to stop watching the TV in the evening. I am just so tired of all the ads telling me what I need. I am not a "consumer"! I am a person. I think a walk will be fun. I then intend to put some music on and read a book(free from the library).

It is a great feeling to finally be in charge of my financial life!