Today is about change. Change in behavior, change in thinking and change of life. I was going to start at the first of the year kind of like a New Year's resolution kind of thing but I hate those and I was on vacation and didn't want to start something until I had some time to think about the process and what I wanted to achieve.
This year marks the 5th anniversary of my divorce, the birth of my first grandchild and the payoff of some major debt. Since my divorce I have lived my life fairly freely and my debt is now reflected of that freedom. I live by the standard that I didn't have to answer to anyone nor did I have anyone to tell me no and it shows! I don't want to be that person anymore. I want my life to be about truly living and not about the amount of stuff that I have because that stuff has not and is not going to bring me happiness in any way unless it's stuff that has meaning to it.
Today is the first pay period of the new year so I pulled out the list of bills to pay and paid them and also made of list of balances due on each one...it was eye opening. I knew that it was out of control but I didn't realize how out of control it was until I made the list and then I had to deal with a whole lot of emotions from anger to sadness all directed at myself. You see, I am better at beating myself up than anyone else can be and I think that is true for most of us so starting with today I am going to stop doing that and focus on more positive things like what I need to do to reduce this debt other than making regular payments. I would like to reduce the debt by 50 to 75 percent with 50 being on the low end and 75 being on the high end. It's a lot to try and accomplish, but I love a challenge.
So this year is about facing new things and rising to challenges....here's to me!
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