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Maybe You Have Noticed

January 20th, 2011 at 05:42 am

That I pretty much deleted most all of my entries. As I was reading over the past, I realized that not much of it was relevant anymore.

I have paid off credit cards and brought on other credit cards. I have been sick, gotten a doctor bill, paid it off, only to get sick again and get another doctor bill. And the cycle repeats.

My main goal is to reduced my debt, but I am not sure I will completely be free of it. There will always be things I need or events that will happen, like a car for myself and doctor and dentist bills, not only for me, but for my family. Along with weddings, babies, vacations, etc. My kids are getting older (16, 19 and 25); and a lot is going to change over the next so many years; and I want to enjoy all of it.

I know that that is the reason for an emergency fund, which I am working on, but with my husband not working since the week of Thanksgiving, we have had to tap that fund for living expenses and food.

He was supposed to be working full force the beginning of January, but things keep happening. He will get a day or two in then the rest of the week off. Now, his boss is saying, maybe the end of February or the beginning of March. He has picked up a few small jobs here and there; and it seems like we have had the money to meet all the bills and eat, so I can't complain. I have applied for some jobs on my own, but no luck. I just don't want to miss out on enjoying him because we are stressed over money.

There are also events this year that I want to be a part of. Not that they cost money, I just don't want to be thinking about money everyday. I want to live my life stress and worry free - which is almost impossible, but I think it can be reduced by not worrying whether or not I have money or I have paid off my debt.

So, for the big ticket fun things this year:
*My surprise 50th birthday bash.
*My best-friend's daughter's wedding
*Three nieces having babies and their showers. I get to help deliver one of them.
*Maybe the American Idol auditions with my son - depending on where they are.
*The Beach Club opening - love the summer season.
*Family vacation up north.
*Re-connecting with some childhood girlfriends.

So, this year will be the year of re-connecting with myself. Not worrying about money. I will focus on reducing debt, but I think I want to focus on building savings more. I will apply extra cash to savings and debt at the same time.

I used to be in a place where I didn't have any debt; and had a savings and I know that feeling. I will get there again.

But, life is to enjoy; and I want this year to be full of living.





3 Responses to “Maybe You Have Noticed”

  1. laura Says:


    I have purged and rebirthed several times during my blog journey -- sort of an "out with the old" and "in with the new" ... I am embracing realism (rather than unrealistic optimism or dire pessimism) and I think that is a very good thing. Life is worth living -- and it costs money sometimes to do that!

  2. My English Castle Says:

    I do think there are times in all our lives when every penny matters, and sometimes I find myself thinking too much about money. It sounds like you've come to a good place in your head. I salute your content attitude!

  3. baselle Says:

    Emergency funds are used for emergencies. Unemployment is the biggest emergency that I know about, so definitely use it for that. For everything there is a season: I can relate to cycling into being frugal and being not so frugal.

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