Okay, so I did sit down on Sunday and got my bookkeeping up to date . . . sorta. You see, banks don’t update their online entries until Monday . . . or a perhaps Tuesday. So there were a few receipts from the weekend that I couldn’t process.
The trouble with that is that I couldn’t make sure that my books were up to the second accurate. This, of course, is the whole point of doing these books every week. So I have decided to make Wednesday night the new night that I sit down and do my books.
This way I will have had three weekdays since the weekend for things to clear. I should be able to get my books up to date accurate. As always this is a learning and process of constant refinement. I shall see how this goes.
You see, I do most of my shopping on the weekends and spent almost nothing during the week. This is because during the week I am far away from stores and on the weekend in their parking lot. So I buy supplies when I am “in town” and just manage when I am “out of civilization.” As in, the barren retail landscape that an industrial park is.
This morning I was a bit reflective so I started to jot a few things down about my past and my life’s journeys. Events and what have you that have helped shape me into being who I have become. I have the feeling that a heavily edited version of this meandering rambling may end up as the opening of the book about this journey towards Debt Freedom.
As far as exactly what I will do once I am credit card debt free (Nov 22) and with the loans refinanced (mid Jan), I still don’t know. I will focus on Savings and paying the Wanda and Trea Debts off equally and see what happens after that.
There are too many options open to me; too many paths that I can choose. I feel not unlike a prisoner who has just been released from prison and is a bit “institutionalized.” You get so used to not having any choices and that all of your money is all allocated that when that suddenly isn’t the case, you don’t really know what to do.
What I will do is carry on and leave myself open to new possibilities. The fun thing is that once the debts are refinanced, I will have more leeway in what things I can do. I can start to think about what I really want to do with my life.
Hmm, there is no rush to make drastic changes, but change will come eventually. After all, the only constant in life is change. Those who survive and thrive are not necessarily the: best, brightest or strongest, but those most adept at adapting to change.
I still want to put down roots somewhere, perhaps a nice mountain cabin by a lake. Hmm . . . being as self-sufficient as possible while surrounded by nature also sounds good. A wife, kids, grandkids pets, and more, sounds nice too. Then again having a massive home filled with all manner of family and friends sounds nice too.
The point to take away from this is that anything is possible. As I have said before: dream for the future, plan for the mid-term and work for the now. I can dream about what would be nice, but I must keep my focus on the mid-term goals I have set for myself:
1) Pay off all credit cards by Nov 22
2) Refinance and hopefully consolidate Wanda and Trea loans into one (Mid-January).
After that I can focus on saving and paying down those debts equally. I will see how things go and what opportunities come my way. If I save as much as I can not only will I have a cash cushion for eventualities, but I could possibly pay the consolidated loan off early (penalty or no).
I really don’t know what will happen, but I will still work my plan and see what comes my way. You know . . . be open to new possibilities.