Friday, 27 January 2017

Self-Induced Stress, or Learning Curve?

Okay, so I will admit that when it comes to my finances, at least, I like control. I didn’t always, but I do now, I like to know exactly where my money is going and when payments are coming out.

I can measure that, I can plan for that, I can control that, or rather, I can control what impact those things have on: me, my finances, and therefore, my future.

Three years ago, I was just used to giving all of my paycheque away to everyone else, that the thought of having a savings account was a laughable dream.

Now, the thought of not having one is frightening. I got used to that steadily building savings account, knowing and dreaming of all of the wonderful things I could do with it. 

Not the least of which is to survive a massive downturn in the economy. An Oops Fund, if you don’t have one . . . get one! 

So, this year, me giving approximately three quarters of my paycheque to the bank in order to pay down the Wanda Loan, is something I have to get used to again.

It is an adjustment and yet another change in my life that I will have to make on this journey to total debt freedom. 

FREEEEEEEEEEDOOOOOOOOOOOOOOM!!!

Now that I know that the bank will take their sweet time to process these extra payments but that I can expect it to be done within a week, I’m good with that.

If I can make the payment at the bank, I will do that, because I like the control and doing things instantly, when I want them done.

They key here, is to learn, adjust and adapt in order to keep moving forward towards my goal: Total Debt Freedom this year.

FREEEEEEEEEEDOOOOOOOOOOOOOOM!!!

On that front, I am on track to be totally debt free before the end of the year, even if you don’t count the $40.00 or so that the regular payments are taking off of the Principle, every two weeks.

So, as long as I don’t stop making those payments (for whatever reason) I will be Totally Debt Free before this calendar year runs out. 

(Go on . . . say it . . . you know you want to)

A thousand things could happen to delay or prevent that. Heck, a sudden and unexpected windfall could come along and pay that off much earlier (doubtful, but technically possible).

I will choose to see the positive in life and keep focussed on my goal, and beyond. 

As always: Keep your head up, your attitude positive and keep moving forward.

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