Guess who’s bizzack?! Guess who also made a mess of her finances during the holiday season. Seriously, a disaster. I was doing good for a bit, but my problem is, I’m simply not mentally strong enough to be in malls yet. I have serious impulse control issues, I should have done all my Christmas shopping from the safety of my computer. So, alas, I have nothing productive to report, outside of minimum payments towards credit cards, and I did some serious damage to “spare cash.” Serious as in all gone. *sigh*
What can you do but get back on the horse, right? Redoubling the efforts. I’m actually planning (hoping lol) to be a much better person overall in 2008, and my personal finance goals are right at the top of the list. I literally didn’t read any blogs while I was gone, so I’m still catching up on everyone else’s feeds and goals for the new year.
My most immediate goal is to pay off all of my credit cards. Period. Yes, I need a larger Emergency Fund (currently only $1,000). Yes, I need more retirement savings. Yes, I need to pay off my car. Yes, I need to pay off my student loan. But the credit cards MUST GO.
I had about $42 in my PayPal account from PayPerPost payouts, just put in for that to be transferred to my BoFA account, and I’ll pay that out on a card as soon as it hits.
I can do this, I know I can. And I will.
+++ In small good news, procrastinating on joining the gym paid off, as they’re waiving the enrollment fee for the entire month of January! Going to join today, and happy about saving that $50.
2 Comments
January 3, 2008 at 1:43 am
Yay! Great to have you back. No worries ma. As the song goes, “We fall down but we get UP!!”. And that is what you must do. Don’t look back but look forward. Set yourself some goals for the new year and stick to it. You will do fine. Be blessed and keep blogging.
January 8, 2008 at 8:37 am
One thing to do to stop acting on your impulses is to take a few minutes and imagine what will be the consequences of buying on impulse in 10 years.
Think about it, logically connect the dots and then feel NOW how it would feel then if you wouldn’t do anything.
This horrible feeling right now can wake you up and help you break the habit.