Ugh. Here we go again. Truthfully, though, I really don't have many complaints with how my life is going, and/or what I need to work on. I'm ALWAYS working at or on something. Achievement is my middle name. The only fly in my ointment right now is my credit card debt. So, I'm going to keep it nice and simple.
2008 New Year's Resolutions
1. Cut up my credit cards
2. Pay off at least 4 completely (you don't want to know how many I have...)
3. Get back to using cash and debit card ONLY.
Okay. Now, already, that first one is difficult. "What about emergencies?" one might ask. Well, listen to how sick I am. I actually have some of my credit card numbers MEMORIZED (along with the expiration dates). lol How many people can say THAT? While I'm not a credit junkie, I can tell you that I have lived quite well for the past few years, just going slightly over my actual income every now and then. The occasional vacation, sudden trip, class, course, spa day, or culinary indulgence (mainly sushi!). Funny thing is, I don't spend much money on clothing or 'things' (except foreign language books. With those, I DO have a problem! I have compiled a small library of Italian, Spanish and Mandarin Chinese novels, books, magazines and comics to keep up with my languages -- NOT cheap!). But mostly, I pay for experiences. And THOSE can be kinda pricey, depending on what you like to do. Just enough to get a little debt piled up. But, no worries. I'm gonna get this DONE!
Good luck on YOUR resolutions!
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