the pledge

• Don't spend money for one day.
• Don't use credit cards for one week.
• Don't eat at restaurants for one month.

Anyone catch Oprah today? who's up for Suze Orman's pledge? Everyone in the audience was so dramatic when she said the no restaurant thing... I thought it was funny. I'm not a big restaurant eater, and I can thank my boys for nipping any restaurant splurging in the bud. Eating out with kids is NO fun. I think it sounds very much like my lifestyle already... I do a lot of staying home so no spending on many days, I HATE credit cards, and restaurants are a thing of the past! She also insists everyone have at least 8 months of savings to cover expenses because chances are your husband will lose his job at some point....if it costs you $5,000 a month to live that is $40,000 for your savings that cannot be touched! Then she said, "2009 is the year that will either make you or break you." Yikes! Hopefully we can achieve our financial goals this year! that means no debt, 8 months of savings, a regular savings, college funds for our kids, a retirement plan??? eeeek, we have no retirement at all. Sounds real easy Suze!