Since this year is about to come to a close I suppose I should update this thread.
This year has been a rollercoaster of a ride and the last few weeks haven't been any better they've been worse. It's like life would throw me a curve ball and then it would come back and pop me in the back of the head.
Anyhow...at the first of the year I set out a goal for my debt reduction. I missed the mark. I missed it by about 3 grand. My debt did go down in 2012 but not as much as I was hoping for. Some was due to lack of funds, but most was due to my dumb
adding to it.
Now for the good... by the end of Dec first of Jan I should have my mower paid for. This will open up 113 a month and give me some breathing room. Right now things are way to tight for my liking.
If I can maintain my payoff schedule then I'll have my largest monthly payment (448) gone by December 2013. Scratch that.... Because I maintaned
my payoff schedule, I'll have my largest monthly payment (448) gone by December 2013.
Over the course of the last few months I have been trying something different on the financial front. Instead of just moving numbers around on paper... I have physically been saving $20 a paycheck and adding whatever little bit I could to it. I was able to save $500 and I have been reluctant to touch it. That was until two days ago. Now I've had to pull out $200 to repair my property because of vandials. Thankfully I had the cash on hand, but I'd rather not have touched it. I was shooting for $800 as my next goal. This new tactic has however sparked a new desire.. and that's to see just how high I can go.
Considering all the ups and downs this year... I'd say that is a very good thing. Maybe I have finally found something that will help me stay true to my journey and hold the course. Next year will be the true test I guess. Over the next few day's I'll set up some goals for 2013. Some will be achieveable... some will require serious dedication. Kinda like setting the debt reduction at 8 grand...then the serious dedication at 9 grand. Doesn't seem like much, but when you're cut to the bone already... it makes a huge difference on how you live.