A Story Of Debt

I have spent every January for the last 4-5 years in a funk.  I don’t know what it is.  But, there is less than a week left in this January and I’m happy to report that I am not going through a mini-crisis.  I’m happy and doing well.

But, it’s not been the best month for debt reduction.  I was looking forward to January, thinking it would be the first normal month I’ve had since I decided to get out of debt.  By the time I made the decision in November, I’d already had several big expenses that month.   Then December was a mess of traveling and buying presents and not working much at my second job and receiving presents that more than made up for missed working hours.

January was going to be different!  But, I forgot about (more like, chose not to think about) a few things like school fees I need to pay out of pocket and books for class and even more missed hours at my second job (I overestimated by ability to be in two places at once).  I have also spent a great deal more at the grocery store this month, which is partly to do with me being a little less strict (I should not have gone grocery shopping on a Friday night while starving) and partly to do with the fact that  school didn’t start until this week, so while I was still working full time, I was home a lot more and with much less to do, so I ate more.   Then, the screen on my MacBook Pro, which I love like the child I don’t have, went dead; I can’t get through life without it, so I have to get it fixed.

Bottom line, January has not been terrible.  I’ve just set a really high standard for myself, because I want to get out of debt, like, now! And I’m going to come up short.  Still, I’ve already paid all my bills and put $700 toward the WF Visa I’m now trying to pay off.  After pay day, I should be able to put another $300 toward it.

February is going to be awesome.  I will be working a ton and I hope to get my tax return (all of which will go toward my debt).  But, I’m not going to do what I’ve done in the past.  I’m not going to say, screw it! and give up on January.  I’m going to see it to the end and get as much success out of it as I can.

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