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rest of the post for speculating again.

August 1st, 2005 at 12:55 pm

Hit the return and the post got posted. There are some real mouse control issues going on here...

Got coffee this morning with a friend $4.04...weak inspite of best intentions. Me, not the coffee

I'm struggling today to stay focused and motivated in the area of finances. Sort of a continuation from yesterday. So, at lunch I took a good long look at the Master Spreadsheet where I track spending. Spending on the cc's is wayyy down (inspite of this weekend) and I am still on track to pay off the mbna by November. To do this, I'm going to put all dinero from the second job toward that card. But its going to happen!!!

I've also been tracking overall debt and how the payment plan will look by the end of the year. If all goes as planned, I will start 2006 with only half the debt that I had at the beginning of 2005!! That means, I will be able to pay off all personal debt in 2006. That needs to sink in....no cc debt by 2007. This is becoming real. I'm so happy.

Then I can start on the mortgage and start loading up the retirement plans. This is where the real shift in thinking will need to happen. But I'm ready for the challenge.

Okay, I'm feeling a bit better. On track. Have a goal again. Paying off the mbna is key here. Just need to focus on that. Beyond that, the rest will all fall into place...Funny thing is that I feel a bit wobbly about the good news. Been in debt mode for so long that such a major step toward financial independence seems odd. Can this really be happeneing to me?? Really?? Yes, will definately need to work on changing that way of thinking.

2 Responses to “rest of the post for speculating again.”

  1. Anonymous Says:

    Great! Stay on track. What a fantastic feeling - I can't wait until I get to that point as well. Change always feels funny, but just thinking about being debt-free makes me so excited. Proud of you! Keep up the good work.

  2. Anonymous Says:

    Thanks for the encouragement. I have to say that I probably would not be at this point had I not started logging onto this site. Even though no one is monitoring my financial activitites directly, I feel accountable knowing that people are reading what I write. It makes me think twice about how I spend money - or not.

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