It is amazing what I DID NOT accomplish this year. I've spent some time thinking about it. Did I not do things because I'm not ready? Because I'm not strict/responsible enough? And honestly...I don't know the answer. Maybe both mixed in with the fact that I am an emotional spender. I am very aware, I just don't do what I need to do. And sometimes I just do the wrong thing anyway.
My family came into town for Christmas. And I spent money that I didn't have. I am aware. I un-did the work and progress I had done. This is really something I need to plan for in the upcoming year. But I really enjoyed them being here.
I am choosing to continue this journey. I want to be out of debt. This is the truth. So I will update my numbers and regroup. As we come to a new year, I have 3 main goals:
* Pay off Debt - Scheduled to be by March 2015
* Coupon - Use coupons or other savings as much as possible
*Reach $1000 in Savings from Payroll
I will just take it a day at a time. And hopefully I can really evaluate what I'm doing before I do it.
Here is to a Happy, Healthy, and Financially Good 2015.
Learning from what I have not accomplished
December 30th, 2014 at 04:08 pm
December 30th, 2014 at 04:50 pm 1419958249
Are you planning to have all debt, including student loan paid off by March? If so, that is $915 per month to pay off. Do you have income to do this? Will you look to other sources of income to help? Is there a windfall you are expecting, such as a tax refund?
December 30th, 2014 at 04:53 pm 1419958438
Maybe you just need to make a small line item in whatever sort of budget system you use for family parties, and stick a small amount into every once and awhile and let it accumulate.
Also, I bet you find after March (when the debt is paid off), that you'll have far more flexibility with your money in being able to pay for and enjoy things like the family holiday visits … because your money doesn't HAVE to go toward debt repayment anymore. So you really have that to look forward to this year.
December 30th, 2014 at 05:42 pm 1419961326
And yes Julie - after March I have money being set aside for things like Christmas and my family's visits, which usually happen in the summer and around Christmas. Hopefully this will help soften the blow.
December 30th, 2014 at 09:03 pm 1419973381
December 30th, 2014 at 10:34 pm 1419978876