Today is a wondrous day for me, for today is the day that my Rebuilding Phase really gets underway.
This payday I will actually begin the phase of rebuilding my finances. The first of which is to give myself back my Personal Overdraft.
Thankfully I have become so accustomed to having it that I have genuinely felt like I was in the bottom of my overdraft for the past month.
This will ease my tension a bit, but there is still much work to do.
I have a few ambitious goals to achieve before the end of the year, and I am on track to achieving them.
The achievement that I am most proud of is the fact that I haven’t touched either of my credit cards since paying them off last payday.
This is important, since I was in the habit of living on them for the previous few paydays.
I am now getting back into the mindset of “don’t touch them” or rather, breaking that “loosey-goosy” spending trend.
I still need to get my Mid-Term Account fully funded (to my two-year’s living expenses) before I can start to relax.
That will break the cycle of running to credit and debt when fiscal trouble arises . . . and then getting tangled in their muck for the next few years.
This day is but one more step on my journey to truly taking control of my finances and one day achieving fiscal independence.
As always: Keep your head up, your attitude positive and keep moving forward.