raven68

Since I undertook to get out of debt (one of my other Things), I find I am impatient to get it done and want that part of the future to get here already. That goal will take me about four years and I think I am fretting and obsessing over it too much. Staying focussed is good to make sure I attain that goal but in the meantime I have four years of life to live. I have been finding it hard to just focus on the here and now, because I am thinking about a job shift too and then I worry too much. It is stupid because everything always works out in the end. I don’t know why I go to that anxiety place as I am generally a pretty positive person.

The loan that started at $50K in August is down to $48K (4 years 8 months left, ugh). The credit card that started at $19.5K is down to $18K. I have gotten a contract to teach another evening class starting January. If that runs, I’ll have another lump to put on the credit card. I SOOOO want that MBNA card done and closed. Once that is done, I can really start to think about a mortgage and having a place of my own. To have only a mortgage and no other debt would be sweet. I keep trying to visualize that last credit card payment. I hope it will be in about a year if all goes well. I have an emergency fund, and I have a car maintenance fund. I need new brakes so I’ll drain that savings account next week but that’s why I have it and I have the cash to do it and not pay interest this time. Since I am making my own coffee at home all the time and not going out for that, I bought a new coffee maker. Cash. Used it today for the first time. It will pay for itself in a few months I figure. Interesting how frugality is suddenly the new black. :D

Just got another part-time job in the fall that will bring in enough to make a serious dent in my remaining credit card by December. One step at a time.