Ohhh man. I’m having one of those mornings where all I can think about is becoming debt-free.
I want so much to be rid of it. I can hardly imagine what that will feel like to have $500/month back in my hands to save, invest, give! I am okay with my budget and allocated savings right now, so the only thing keeping me from becoming debt-free is time. If all goes on schedule, I will be debt free in one year. However, if I use next year’s tax refund, any monetary gifts, or raises, I could potentially be rid of it as early as March 2010. Still seems like a long time.
It’s so easy for me to say things like: “I wish I would get a raise!” and forget that I got one this past December. Or think, “I wish that I could just have a few hundred dollars extra a month!” and forget that my new roommate is paying me $400 for two month’s rent. Or think, “If only I didn’t have so many expenses!” and forget how much money I am saving by using my employee benefits. I need to remind myself of the little blessings that have come my way and be thankful. My debt is interest-free: I am thankful!
Slow and steady. Slow and steady. I’m confident I’ll get there eventually. :)