1. My budget is highly inflexible.
2. My goals have very little breathing room.
I will be working into making my budget slightly more flexible, even if I have no idea how. My goals are tough, but completely achievable if I stick to the plan. I know for a fact 2012 wont be a 'Success!' year where I will at least pay *something* off. But it will set me up for a very sweet 2013. I'll be genuinely ticked off if the world decides to end at the end of 2012.
|I would love a purple piggy bank, actually...|
I am also excited about something else...
I managed to make my very first ever snowball payment! $150 went into my main credit card, but the balance won't be clear until after Tuesday. I know that sounds like such a tiny amount. The card will be at $3,670. And I am super happy about that. After having it stay rather immobile at $3,800 for what seemed like months (ok, a full year), I will gladly take a $130 permanent reduction.
Sadly, I do use that card a lot. This is where inflexibility of my budget really shows. Most of the Murphy visits, extra payments for my parents, groceries for them and after-EF 'emergencies' come out of that one credit card. But I promise that once I get to the dreaded 25k points on reward points on the card (I'm somewhere close to 23k), the card will be chopped like salad. I'll be exploring different payment methods including cash only.
Sorry, I am rambling. Next year, I will also make it a goal to post a bit more than once a week. And to post interesting stuff too! So I hope everyone has a great New Year's celebration. Me? I will probably indulge myself -cough-withchinesefood-cough- but keeping it all in the cool, cool budget.
If you're off to some wild New Year's party this weekend, stay safe and have lots of fun.