I’ve been worried sick about one of my credit cards that has an absolutely hideous balance. I’ve been doing contract work for nine years and have been charging various items along the way. In addition, I’ve been buying lunch at work, which could run me between $5 and $7 a day.

I’ve started bringing my own lunch (cold cuts on bread) or buying microwavable meals from the prepared food aisle. I still treat myself, once a week, to lunch in the cafeteria after which I do my banking – since the branch is just down the hall from the cafeteria. I’m applying the money I save towards paying down this one credit card. I just filled out the DOLP worksheet and now have an even better plan for paying off all my credit card balances.

And I’ve just been offered (and accepted) a permanent position, so I know that I’ll have paychecks coming in on a regular basis now.