- Pay off our personal loan
- Pay off the fourth credit card on the list
- Continue the steps of the Konmari method
- Drink more water
- Eat better
- Spend time with friends and family
- Work on this site 3 times a week
We have a personal loan with a balance of $926 at a local credit union. We plan to pay off this loan in a few days time. There was a lot of thought that went into paying this off. The interest on this loan is much lower than our credit cards. The payments on it are much higher. We would be paying it off later this year by simply making the payments on it. This was the debt that annoyed me most which was a huge part of why I wanted to get rid of it. The payments are every two weeks and can only be made in person. I had to give up roughly a half hour to go pay this payment every time it was due. We decided that it made sense to pay it off next because it would increase our snowball amount so much.
We owe $835 on credit card #4 now. When we started our debt-free journey we owed $873.80. We will be paying this off during March. Paying off this and the personal loan in one month is a lofty goal but it is possible. We want to set our goals high but make sure they are achievable. It’s never a good idea to set yourself up for failure but setting the bar too low limits success. I think that with some sacrifice we could easily make this a reality.
I read “The life-changing magic of tidying up” last month. We have begun the process. We have gone through Isabella’s and Octavia’s clothing. We plan to continue working our way through the steps in the book. We would like to embrace a life of living with less; less stuff, less stress, less debt. This will open us up to the possibilities of more; more time, more travel, more money, and more spontaneity in life. Our long-term plans include travel and a long distance move. Having fewer belongings would make this dream much easier. We would not have to store or move as many possessions. Living with only the items that we love would make our daily lives easier and more enjoyable.
I do not drink nearly enough water. I have developed a bit of a soda addiction over the years. I don’t feel my personal best. I know that what I am putting in my body is the major issue. Also, water is free and we’re watching every penny right now. I bought myself a pretty, reusable travel cup that I can use for water to give myself an extra incentive.
We need to start eating better. We have cut out most of our eating out because we are trying to pay everything off. We want to cut back on junk food and eat much less meat. We are going to start by eating more vegetables, fruit, and fish. We plan to eat at least two vegetarian dinners a week. My husband has always been adamant about having meat in every meal so this is huge for him. We are fairly adventurous eaters which I know will help. I also want to introduce my children to more spices, fruits, and vegetables.
We are going to continue with our goal of trying to spend more time with family and friends every month.
I feel like I am not dedicating the amount of time I want to this site. I work a full-time job, have three children, and all the chores that come with a family/house. It is easy to lose track of time and forget about anything that is not scheduled or urgent. To be clear, urgent in this house means that something is on fire or leaking, we are out of work/school clothing, the dog is muddy, or somebody is screaming or bleeding. I have a list of post ideas including the multiple trips we have taken that I have not written about. In order to get caught up and stay current, I have decided to schedule the time to write three new posts a week. I will be dedicating two of those posts a week to getting caught up on past trips. I have not decided if I should schedule the exact days/evenings I intend to write or allow things to happen more organically on a week by week basis. This blog is a personal passion of mine. I love being able to write and be creative. It is something I have wanted to do for a long time and I want to give it the time and effort it deserves.
I will update you at the end of the month. Wish us luck on all these big goals!