I will
say, and have said that time moves both slowly and quickly at the same time. For
as it feels like the heat will never end, it also feels like fall, and then
winter is right upon me.
It also
feels like I have only just begun this journey of being an Urban Nomad in
search of taking back control of my finances. Yet at the same time it feels
like I have been living in Wanda forever and a day.
I am
always looking to my finances and looking at two time periods at once, one is
here today, now, and the other is the next pay period. That’s it, no more.
Further
out than that is not assured, and what can happen then is only a guess. I do
look to the future and I do plan and dream, but I don’t make plans written in
stone.
I know
that I have the cash in hand and that I will at least get my next paycheque. It
may be my last paycheque from this employer, but that’s it.
We have all
seen companies fold up without notice, or people get downsized, fired, dismissed
or just plain lose their job for any number of a thousand reasons, most of
which are not their fault.
This is
why, living without any kind of savings is like being a trapeze artist without a
net, one slip up could cause you serious harm. (As in splat!)
So this
is part of the reason why I have my Mid-Term Savings Account (as modest as it
is) and my “Personal Overdraft” in my Main Account; as a bit of a cushion, if I
need it.
The Long-Term
Savings Account is steadily building up to pay off Wanda and so I consider it
spent and can’t be touched. Yet, at the same time it is there to be that extra
fiscal buffer from total fiscal devastation.
Again, I
don’t like working without a net or without any sort of savings, especially
after having done so for so long.
I highly
recommend getting one, even if it is just $500.00 and it takes you six months
to save up that much. Just get started, just do it, do at least that much.
I focus
on this payday and today, so as to control my spending. I am always aware of
what I am spending and if I am on track to meet my fiscal targets I have set
out for myself.
I have
my budgets for my next two paydays laid out with projections and estimations,
the further out they go into time. Again, this is to motivate me, to keep me on
track.
By looking
at the future, the near future, I can see what is actually possible if I stay
on track and not do something fiscally stupid like make a big purchase.
I get to
see what goals, however minor, that I can achieve if I keep spending as little
as possible. This is not a glamorous or extravagant lifestyle, but it is
necessary for now.
I do see
a time when I am living in a house, somewhere and hopefully paid off, sooner
rather than later.
I envision
me standing on my porch, sipping my coffee as the sun rises over the trees of
my acreage . . . and a dog . . . need a dog . . . and a cat . . . for rodent control and
bed warming.
To get
there, I have to keep moving forward, one step at a time, one paycheque at a
time, consistently improving my life and my fiscal health.
For no
reason, here is your sunrise shot
As
always: Keep your head up, your attitude positive, and keep moving forward!
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