Getting Back Into The Groove

Okay, so whilst I will never frolic in winter, I am once again learning to deal with it. I am once again getting back into the Winter-Mode Mindset.

Again, how you deal with things is greatly contingent on your attitude towards it. You can fight it and try to (in my case) will winter away, but . . . good luck with that.

You do need to just get to a point where you just accept what is happening and deal with it. I am not quite there yet, but I’m working on it. 

I still swear up a storm and rail at the injustice of it all while I am changing into and out of my warm clothes in sub-zero temps.

It’s a process.

I am happy to note, however, that I have officially paid off my credit cards, so I am now completely debt free. 

One card may take a few days to register the payment but I have handed them the cash so I’m considering this one done.

I will be on the lookout for the “Bounce.” The bounce is what happens when you pay off a credit card that you were carrying a balance on.

You still must pay the interest that had accrued from the beginning of your payment cycle to the time that you paid the credit card off. 

(This will show up a few days after you pay the card off.)

This is one of the reasons why I check my bank and credit card balances daily. Not only to ensure that there are no funny transactions going on but to pay this off.

So, in a few days I expect to see a balance of a few dollars pop up on both of them. I will pay it off instantly, as in that day. 

This is the only way to get rid of it all together. If you wait until you get paid to pay it off, then the interest will still accrue and you will have a balance of less than a dollar.

As for me, I am starting to shift my focus and mindset away from debt elimination and towards savings. 

This is a happy moment for me, and I am truly in the process of finally turning the page on debt.

All of this life shifting is a process and I am doing my best to get back into the groove.

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