So, it seems to be an emerging tradition to pause on my birthday to reflect on how my life and this journey towards total debt freedom has gone over the past year.
This time last year I was starting Card #3 and had a bit on Card #2. I was also just starting to think about continuing to stay in Wanda until I had paid everything off.
I was stressed and anxious to finally get my credit card debt done and gone. A year later I have not only paid off my credit cards, I have a sizable savings growing. Not only that but I have given myself 1K in my own overdraft and even started an RRSP.
I have achieved great things this past year and I reflect on them to encourage myself to keep going, not to brag. At first, it was frustrating and seemed to be an impossible task.
Yet, with each debt that I paid off, I freed up more money in my budget. That freed up money was now mine to do with as I pleased, such as pay down another debt or just put into savings.
As I see it, next year I will be very close and in fact six months from being totally debt free. I see good and great things for me this next year. I know that I can do it; I know that I can make it.
As always: keep your head up, your attitude positive and keep moving forward!