Having a hard time getting started today. Studio opens at 4 p.m. I need to balance accounts as I have not done that since before Christmas and that was a good plan for me. It kept me honest and broke! I was always behind but at least knew where I was. I slept better last night as I did not sleep at all New Years Eve. Hubby is still sick. I think he needs to go to the doctor, but that is his choice.
I have already received my accountants appointment but have not looked at it as I am in denial and know I have to get the tax stuff started. I am also on Jury duty this month and forgot to call in this morning, but so far have not been arrested. What a pain, must remember to call in tonight. This is going to be a long month!
Okay I have given this a lot of thought and I am in a quandary. I feel much like Mysti in that, the satisfaction I get from completing a goal does not out weight the disappointment I feel when I don't complete a goal. Now I am not like this in other areas of my life only in financial areas. Probably because I struggle and have struggled forever with this problem. I feel like such a failure. Now saying this one might think I do not like goals and I do. I really think they are important, but I always over plan my time and I ALWAYS over plan the amount of money I will have to pay back debt.
My 2012 goals were to:
Pay off the CC debt. ( I did this and racked t right back up again) Sewer collapse and remodel just got out of hand. I got out of hand. Family problems with sick mother and brothers crisis meant for many unexpected expenses. Now I could have said no, but I did not.
Pay off the truck loan by June 2012 Fail still owe 13,000.00 something, now where did I think this money was coming from?
Pay off the car by Christmas 2012 Fail still owe 13,000.00 something. Where is realism in my life goals?
Now in my defense I did save quite a bit of money last year and I did make progress on my bills. We still saved 10% of our income, paid a full tithe to our church, paid cash for B's school expenses. We also cut back on our work. I quit coaching drama and we gave up our bank income in June. That is about $10,000 in income we would have had for debt payoff, but I think I made the right decision. I was just working too hard. I think I make better decisions with the money I have left, I am forced to budget better and pay attention. We just do not have any extra and I needed extra and okay I will admit it wanted extra.
So this year I really just want to make it a goal not to use the credit card at all. I realize it will get used for travel and studio costumes and supplies but then I must have the money to pay it back and do it.
I also want to pay off at least the truck this year. It would be great to do it by June but I will be thrilled to do it by next December. It would just be so nice not to have that payment in the summer when the studio is not bringing in any money. Although I was very successful this last year in saving for my summer expenses.
Out My Window: Cold and sunny!
Still in the thinking mode But I loved Sluggies post a few days ago. How much I would have if I had no debt. Even just having the house would be an amazing amount of money. She gives me hope. She is also great about not cutting you any slack and she is right about not looking back. Go forward.
Have a great and productive day!