Its a New Year

The past few weeks, I have been thinking about the fact that it is a new year. A new year: new goals (albeit some continue from before): new circumstances.

Although my progress slowed considerably last year after my job change, there are a few things I am quite proud of:

1. I kept $1,000 buffer in my checking account at all times
2. I was still able to pay all of my bills, even if just minimums, each month.
3. I still paid all tuition and fees for the entire year in cash.


There are others, of course, but those are the ones on the short list.

For the new year, I have a few goals:

1. Pay off four of my credit card debts.
2. Pay a total of 10,000 dollars towards my debt.


The first goal will actually be a freebie, since my tax return will cover the first four debts. The second goal means I need to come up with $5,000 dollars during the course of the year towards debts. Although $5,000 may not seem like a lot, right now it will be challenging. Hopefully once I graduate (IN MAY!!!!!!) I get a job that pays a bit more than I am earning currently. Even if I don't, I am going to strive to get that $5,000 done.

My other goal is to blog more. I realize I come and I go, but if I am gone it is usually because I am stuck in life. (Like when the hot water heater blew at the rental house a week before Christmas - after I had sent in payment to pay off a bill.) I will be better this upcoming year on blogging my progress. I do think I was doing better when blogging everyday or so. It seemed to keep me in check.