Well Christmas and New Year has come and gone and as it does every year, and as with most years, we did not go through it unscathed.
And although I have the money to pay for it all (within a couple of weeks), I am always faced with the fear of falling back into the debt trap.
It seems so easy to just start spending again. We didn’t exactly save up for these things, but we sort of knew that within a certain amount, we could pay it back relatively quickly.
It still unnerves me though just how quick it is to just fall back into certain spending habits.
A thought that has crossed my mind from time to time….
Here is what would have crossed my mind 5 years ago if that would have happened.
OMG what happens now? Less than a $1000 in the bank as a cushion and loads of debt ($60000).
Could I make the minimum payments on everything? My house payment? Possibly, but it would have been done with great difficulty and a lot of stress.
In one word…Worry.
But what about now?
Ever run out of time in a day. I do. All the time.
So how do I optimize my time? With a list and a lot of forgiveness.
With everything I do in a day it stands to reason that I could feel like there is not enough time in a day to get everything done, let alone keep a home clean.
I found that even a little attention to your home can get you in a state that is better than complete messery (and yes that is not a word and I made it up).
How do I do that? Well every day I write down a task or two that I want to do beyond dishes and making my bed that I saw would need some doing.
I figured I would do this blog entry to let you know what I am currently making other than my regular salary.
And most would ask, why do you want to work more than your normal salaries if you have decent jobs etc…
Well here is my explanation for this.
As you all know, we are on a 10 year journey to becoming financial free. And although the jobs we work would probably get us there and we have paid off all our revolving debt.
It would most likely take a bit more than 10 years to do.
Here is why…. We started this much too late in life.
Now I know many of you will understand this.
Now I won’t say that we were all bad. Most decisions were made because we were living on one income for a family of four, however, there are some instances that we could maybe have done better with our cash if we had had better knowledge on the subject instead of doing like everyone else we knew and just hoping for the best. Or hoping to win the lottery.
Ever see happy people and wonder what the hell they are so happy about?
I’ll tell you because I feel like this about 85% of the time now.
I work towards simplicity of thought and feeling. I work towards the simplicity of everyday living and of course that includes getting rid of unnecessary expenses.
Here are the questions I will be answering today:
–How long ago was your “sick and tired moment”?
–Describe what happened that made you sick and tired of being sick and tired
-What changes did you make because of this?
-Did your other half get on board with the changes?
-If not, how did you overcome the resistance?
–If yes, how did s/he participate?
-What do you envision your life being like when you have met your goals?