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look back to see progress

June 20th, 2019 at 06:04 am

this is one of the entries I had in the forum setting

June 2018
mort 27,920
car 4250
cc#1 125
cc#2 1095

NOW in 2019....
The difference now is I only have the mortgage which is at 21,938 all other is gone.

I have saved approx. about $4600 give or take a few dollars for ef/ house fund savings and another 3700 contributions in investment accts that include IRA/ ROTH/ an taxable fund acct.

I should feel great that there is a very noticeable progress but I am not feeling it.

I felt more focused when I had real debt. just too many places to put money now. Yes I want to focus better on ira/roth last year I wanted to increase the savings area first.



hard to change bad habits

May 23rd, 2019 at 10:08 am

Not about money completely but other habits.
I went into super frugal mode when I was in between jobs even though I was confident I could replace my last temp gig.
I had many offers from places but with them came a long commute so I sat back and now was re-hired for another temp assignment where I was.

Close to me and they are paying more per hour the schedule is more 8-5 when I have been in jobs that were like 5am to 2 so this will seem much later and with that comes a lot of traffic for the commute.

I did not get a lot done when I have been at home sat and watched a lot of tv did some reorganizing but I need to do more yard work and start walking for exercise I did limit and made diet changes losing some weight but in the big picture wasted a lot of time. Did not touch any savings but did make a dent in one of the checking accts as I am still paying for food and small bills I was paying when working.

During the last months of my last temp placement that ended about a month ago I was not focused on what I was doing with money. I just threw it at everything.

I did add to savings (about 3000) and retirement (about 4000) as well as paying down principal (1000) on my home #1.
I think I would feel better having more cash if I continue working temp things that can have time between jobs. I had the cash in savings but I was determined to not tap that. while that is good I also feel I was too restrictive as I did not buy things I actually need like new shoes mine are falling apart.