Okay, I have always said that my savings plan (the putting of $1500.00 each month into high end Savings was untouchable). I have also said to be realistic and adaptable.
I will admit that recent purchases (tires, keyboard and a few other things) have set me back. Again, this is my doing and I take responsibility for it. I seem to have an attitude of “Well, I’m screwed anyways, so why not . . .” Needless to say that this is not helpful and something I am working on.
What I have decided is to pause my savings plan this month and institute a couple of tight budgets. In so doing I will be able to not only get out of my own overdraft but also have my mid-term savings back to its target of $1000.00.
Sure, this will put me back one full month in my savings plan, but even if I don’t make this month up, I will still be able to pay Wanda off in January 2018.
My new plan is to resume my savings plan next month and then top up my long term savings in chunks of $500.00 at a time until I have made this month up. What I will do is stuff what cash I can save from each payday budget into my Mid-Term Savings.
When I have $500.00 over my target of $1000.00 in there, then I will put that into my Long Term Savings until I have paid that debt back to myself.
In doing things this way, this will take a lot of pressure off of me, worrying if I will be able to save up enough for that trip before I go.
I will get through this, but going forward I will be doing so from a position of strength and with my immediate resources fully funded.
I never said that I was perfect, just adaptable and determined.
As always: Keep your head up, your attitude positive and keep moving forward!