January 9, 2019.
New month. New year. New goal.
Last year, June 2018, I started a new goal. That goal meant I needed to make changes in my lifestyle. I started after I read the book “The Frugulista Files” by Natalie McNeal. This book chronicles her journey over the course of a year as she worked to pay off her debt. I started in June 2018 with my goal of paying off my car. In August 2018, I added in my rolling credit card balance. I started making changes in my lifestyle, cutting down the expenses, and putting all extra income towards getting a zero balance on these two goals.
I started by making a post at the beginning of each month what my goals were, along with some changes I was doing. Then at the end of the month, I made another post about how the month went and if I achieved the goals I set out to do.
By December 2018, seven months of really working at making changes and living frugally, I was four months ahead in car payments, something that I have never done on any car I’ve ever had. I was also very close to paying off my credit card, until an unexpected situation came up and I choose to help out a friend.
Today is now January 9, 2019. As I said, new month, new year, new goal. As you can see, this post is not being made at the beginning of the month, but rather a little ways in, and the reason for that is because I can say as of today, this morning, I scheduled a payment for my credit card that will bring the balance to $0.00! I have never been so excited and so proud to see those zeros, because I know of all the work it took to reach that milestone!
I can now, starting today, focus solely on the one goal of paying off my car. I still owe just under half of the original price on it, but as I learned over the second half of last year, every little bit counts!
And my new goal? As soon as the car is taken care of, I want to start saving for a trip. It’s been way too long since I’ve taken a trip and I have a very long list of places I want to see. It’s very exciting to see a new goal start to take shape, a shift from how can I get this paid off faster to where do I want to go see, to experience, to explore? It’s a shift from the chains of debt to the world of possibilities. And it’s very, very exciting.