I'm still sick and continue to struggle with my spelling, as I shared earlier this week. Nevertheless, I will do my best to think through my drug/sick-induced brain to share with you what has been going on.
My spending for the last two months has been kind of "free spirited". I've purchased breakfast nearly every day (Monday through Friday), eaten out almost as much for lunch, and had more take out for dinner than usual. Additionally, I've spent quite a bit of time entertaining friends from out of town or going out of town to be entertained by friends (yeah, yeah, I know, gasoline is extra stupid expensive). These things don't pay for themselves and unfortunately, many of these expenses were not part of my regular budget. So what did I do? I used money I set aside for my super duper car payments. Or, I used my credit card....and then used money from my super duper car payment to pay off the credit card balance.
I'm all for the "life is short, so you gotta have fun." Yet, sometimes, I find myself struggling to balance it all. Surely, additional income would help me "have it all", so to speak. What's most important, however, is that I develop a firmer sense of discipline to remain on track with my goals, while having a little bit of fun, as well :)
My boyfriend has a similar goal of paying off a debt sooner than later. He has diligently set aside $2,000 a month to get rid of a second mortgage on his first property. He has faced similar temptations of spending money in other places (heck, I'm likely the source for half of such temptations); in spite of them, he's on track to get rid of his loan by the end of August (congrats in advance, babe ;>).
Me? I'm repeating the same old sorry song about pushing back "the date". I haven't thought at length about what it means to pay off this debt ASAP. "I know" that it will mean I can save a super amount every month (for my $10K goal). "I know" that it will mean that I can have a chunk of disposable income to do whatever I want with (shopping and weekend trips to California have been among my latest obsessions). However, I'm not connecting what "I know" with what I should be doing. Side note: I love to see how behavioral economics shows itself in my life :).
Nevertheless, I will continue reminding myself of why I set out on this particular journey and continue to work towards my goals....in spite of many "distractions."
What do you do when you lose focus? What helps you get back on track?