I have several financial goals that I have set for myself this year. I know that we all have those kinds of goals and I worked towards mine last year. While I did not achieve them, I am happy to say that I did make progress and am in no worse a financial place than I was last year. I am able to pay my bills on time still which is a big deal for me. I was not always able to do that. Not because I did not have the means to but I did not have the discipline to do it. Now, I have that discipline and it feels good not to worry about that.
One of the things I want to do this year is build up my savings. This is going to take some work for me. While I am able to pay bills, I also like to shop and that makes my accounts take some hits. What I have to work on is not making excuses for shopping, which is SO easy. I will rationalize a purchase by telling myself that I deserve a treat or that I cannot take my money with me when I die so why not go ahead and do what I want? I do that all of the time. I have always heard that a person should have money saved that is equivalent to at least 6 months' worth of bills in case of emergency. Admittedly I am nowhere near that so that gives me a goal to work towards.
I also want to start really paying down my credit card. And I only have one these days but I still want to work on that. I am much better with my card than I was with credit cards 20 years ago. But shopping therapy has definitely played a part in my credit card spending. I am trying to use it now very sparingly and only on necessities such as gas or groceries. I would absolutely love to go months without using it at all, so we shall see how that goes.
2026 is going to be a good year for me as far as money goes. I am determined to do this and if I set my mind to it, I know that I can. I have that confidence in myself now. I will keep you posted.
No comments:
Post a Comment