My success in the Spending Moratorium is less stellar than I wanted to report, but looking back over the last few months, I am so glad I cut my spending.  It meant I could afford the replacement of my external hard drive, when my ancient one crashed, as well as the replacement heater for the…

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I stopped shopping yesterday as the first step on my path to be Debt Free.   I will stick to this moratorium for six months.  The inspiration came from Cait Flanders, who followed her shopping moratorium for twelve months. When I told a good friend what I was doing and for how long I might follow…

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