Thursday 24 April 2014

Staring Down the Long Road Ahead

The day before yesterday was payday . . . yay. That meant that I was able to get what I needed and pay a chunk down on my first credit card, once again . . . yay. 

Yesterday, however, as the giddy rush of the achievement wore off, my thoughts turned to my next paycheque and what fun I could have with it. Nope, that is the first paycheque of the month, that one is taken up by: truck payment, insurance and credit card minimum payments. 

Hmm . . . what about the paycheque after that? Can I have fun with that one? Nope, that one is my next credit card payment, and rent.  If I was a good and conservative spender I may be able to make a larger payment on this first credit card.

Then it hit me, my goal, my whole life was now to spend as little as possible on myself and give as much as I could to banks. Every cent of every paycheque for the next year at least was predetermined and pre-spent. 

This is a situation of my own creation, and for the best, that I know. This is what I signed up for, something I need to do in order to get rid of my credit cards. 

$20.00 a paycheque was mine, the rest went to everyone else. It would be easier to go through this with someone else but I know the answer to that one. Not happening, not until I have some discretionary income; thus companionship is a year away, at least. 

1 comment:

  1. It's a hard thing to adjust to. I know you can do it, I have confidence in you!