HAPPY NEW YEAR!

…Nine days later 🙂

2013, in general terms, was a good year. I was reading through my posts from last year and what’s funny is I apparently had some crazy, stressful months in 2013, but now those seem so insignificant (and I can’t totally remember why they felt so stressful). Also, back in mid-June, I predicted I would pay off my credit card debt in 7 to 8 months.We are pretty close to that 7 month mark, and I was apparently correct.

CC1 is paid off. CC2 will hopefully be paid off in the next two to three weeks. At this point, I’m probably boring you all with the continued setbacks since I’m apparently all talk and no show. Buying furniture, painting, etc. for the new house adds up so no complete credit card payoff. But, more so than any other time I’ve said it, I actually believe it. It’s time to take myself seriously, and finally get it done.

Resolutions Monthly Challenges

We all have heard the stats regarding New Year’s Resolutions and how most ultimately fail. Instead of making resolutions regarding paying off debt and failing (like I usually do), I’m going to give myself monthly challenges.

So, for January, I’m starting simple. I’m going to go cash only on my spending for January. I’ll withdraw $100 a week, and when it’s gone at the end of that week, that’s it! No more spending until my next withdrawal. And if I underspend, extra goes to savings and reevaluate my monthly spending.

Did anyone make any money resolutions?