January hasn’t been the most exciting month. We work, cook, workout, and repeat. Why? Darco and u declared a set time period from Christmas to month’s end as a ‘no spend’ period. This is partially due to the six week period of no pay for teachers (Christmas Break), and partially for financial discipline.
Heading into our final week I reviewed our budget parameters on our trusty BillGuard app. Our fuel consumption is currently at 50% of our monthly budget, along with groceries. We’re near 60% for eating out of the house as well.
I would lie if I said not blowing money after Christmas is fun, but the hesitance to spend now greatly influences future financial opportunities.
End of month budget comparisons:
We took the leap of faith, moved to a new town, left our apartment, and started living with a closer commute to work:
November Fuel Bill: $545
December Fuel Bill: $254
Nearly $300 saved!
Because what would a fun monologue be without such a joyful, uplifting topic (especially right after Christmas).
It’s been mentioned a few times throughout FilingThePapers.com that student debt, payday loans, and selling all my DVD’s have been either cursed or used in order to determine not sucess, but survival. Continue reading →
#429 of things I never dreamed that I’d witness in my lifetime:
Waking up late on a Saturday morning, heading into town with my wife to enjoy a cup of coffee at the local coffee shop. Driving home, paying bills, balancing our account, and beginning the deep cleaning of our house. Witnessing the fact that we’re actually growing our savings while paying off bills in mass at the same time.
Pretty cool place.
Cats are sleeping, wife’s out enjoying the day with her friends, and I’m joyfully at home. Relaxed, listening to progressive tracks of synthesized music, and taking care of this life that we have.
I can’t even express to you the struggle of motivation that i’ve faced throughout today. In some instances Saturday’s are the best, but in others they are the absolute worst. Waking up late, snacking on random chocolate pieces throughout the apartment, and catching up on past television shows.
All while knowing that I need to go to the gym, get my daily run in, lift weights, and as some older generations have stated, “blow the stink off of me”.
The coffee tastes just a little smoother this morning…
After an eye opening day yesterday, this morning introduced the realities and future thought of the path that Darco and I am on.
See, I’m not the only one up for moving along the career ladder. Darco has her review for a store manager position within Starbucks.
The combination of her movement and mine creates an entirely new world for us in the second half of the year.
I’ll be upfront, we’re going to both have “adult” jobs with “adult” salaries. I’ve spent the morning doing the math. This means moving, it means paying student loans (on time), taking care and getting rid of credit cards, it means being able to breathe. My goal, outside of the car and student loans, is to be debt free before Christmas.
I’ll confess, I’m trying to be optimistic to a reckless level.
For so long, along with others I assume, my mindset has been something like…
This would be great if if happened. Granted, it probably won’t.
Such thought immediately limits what we allow God to do in our lives.
Within those lines, Christians could afford to be a bit more reckless with their lives.
At the moment, I no longer dream of a “better day”. Instead, I see it.
Darco will be promoted. I will get a classroom teaching position. We will finally get bills caught up, credit repaired, and relocated into the city. We’ll have a savings account that isn’t empty, and we’ll finally reduce our expenses on fuel. This isn’t some dream, this is the path that we’re on.
I pray that I can be a bit mormoree reckless with my faith.