January was rough, February was a major improvement, but March will rock. I’m currently happy with my progress. It is a struggle, because my debt makes me so anxious that I just want to pay it off right now! If only I had $16,897.75 in my banking account! (An improvement from $20,500, for sure.) So, as March approaches, I don’t feel the way I did at the start of February. There’s no feeling of needing to get back on track. I already am on track.
But, I was reading some other personal finance blogs and I started to think that maybe I should talk a little more specifically about the numbers. It should not have taken me 3 months to spell out a budget that hasn’t changed much at all in that time. A strictly numbers approach would probably be boring and it wouldn’t help me to address the irrational and irresponsible thinking that got me into debt in the first place. But, I think this blog would be more useful if I made it more obvious how I’m getting out of debt. Not that there’s any strategy beyond work too much and spend almost nothing, but many days pass between paychecks and I am working at getting out of debt every day.
Sometimes the not spending thing is easy and other times it is hard. March is a long month and it features a vacation and a great deal of school-craziness. Two things that things that bring out the financial apathy in me.
My challenge this month is to track and report all of my spending. To the degree that my schedule allows, I will also be recording my daily thoughts on getting out of debt. I plan to put all of this information into a weekly post.
I don’t have any new goals for the month, beyond tracking my spending more closely, but I want to be extra diligent about all of my regular goals: stick to the budget, do not use any credit (debt and cash only), build up as many no-spend days as possible, and limit all spending. The March Challenge is to share the everyday-ness of getting out of debt.
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You can do it Ashley!
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