Wednesday 17 February 2016

Looking for the Positive in the Insane Budget

So, in my effort to “Always look on the bright side of life” (Cue Monty Python) I am choosing to look at my current and most insanely tight payday budget yet in the best light. 

As a result of this upcoming budget, which will pretty much spend nothing that I don’t absolutely have to, I should be able to realize two goals this payday. 

The first goal is just one that has remained on schedule. I should be able to put at $2000.00 in my “Down Payment” fund. 

If things continue on track I should be able to achieve the next goal on this track of $4000.00 in that fund by the end of next month. 

The other goal that I should be able to achieve is getting my butt out of my own personal overdraft. For me, that means putting and leaving $1000.00 in my account at all times. 

Once I do this, then I can work on building up my contingency fund to at least $1000.00 so as to have a bit put aside and pay for my road trip to the coast this summer.

This will be a bit tough but I can get through it and for me, being above zero in my bank account is what I must do. Even though it is just an arbitrary number that I have set for myself, it is important to me. 

I have long since dipped into my real overdraft. This in itself is another accomplishment to be proud of. For years I had lived in that overdraft, somewhere near bottom, so I want to stay as far away from it as possible. 

The housing front is still clouded and murky and in truth I don’t know what will happen or when. All I know is that I want a place that I want, not just what take what I can get . . . or a dreaded condo. 

I also want to be able to comfortably afford what I buy on my salary. I refuse to be so overstretched as I have been, ever again in my life.

That way when the: magical/mystical/mythical woman shows up and enters my life, we can actually have a nice place and . . . wait for it . . . still get ahead.

As I always say “Dream for the future, plan for the mid-term, but work on the now” I dream of having a place of my own, with land, house, workshop and yes a family. I plan to start looking for that place to buy August 1st. 

All I really can do is work my plan right here, today, doing what I can to make sure that I am ready to start looking Aug 1. Achieving goals is as simple as that, work towards them but remember that the future is not set, so be flexible in your plans, but not in your goals.

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