Monthly Archives: July 2012

Happy Birthday to my daughter Or is it???

Today marks my daughters 10th birthday.  Is she going to have a happy birthday or not???  As stated before I did a make over on her room, her father and I took her to Colorado for a family vacation before his deployment, and we attended a yellow ribbon event in Chicago that the military paid for.  She has been going going all month but does that mean she is going to have a happy birthday??

I was thinking maybe just a $1 balloon and a simple birthday card.  But does that mean as a commercialized society she won’t have a great birthday??  Part of me thinks she needs to have gifts to open then the other part of me thinks with this journey I’m on she needs to learn the simple joys of life. 

So I guess I won’t know until tomorrow if she has a happy birthday or not.  I just finished my lunch hour and this was the breakdown: $2.14 balloons $5.35 for 10 roses, $3.21 for the card… In all $10.70 for my first and only child.  I think at the end of the day I can live with that.

I think keeping it simple is good as I have larger goals…. Financial freedom to attain and I won’t get there if I continue to spend.  On a brighter note no more than two payments on my personal loan!!! One down two more to go!! 

I highly reccomend reading Mr. Money Moustache as I have in a short time learned so many ways to cut spending and help me reach my goal of early retirement..

shortcomings

I feel it necessary to write today as I’m looking at my checking account and wow!  I have a major shortcoming.  Somehow I am way out of balance.  Perhaps it was my daughter coming back from being with family for the last month therefore needing to actually keep food at home! or just summer gatherings?  Either way I need to buckle down and get things in order and fast!

My room mate moved out in March and still owed me $150.00 and finally he paid that yesterday.  This will hold me over until payday, but with very little to spare.  Needless to say I haven’t made much progress on this loan balance as it still stands at $370.00

All this makes me wonder if others who have taken this road to get to financial freedom ever almost had a panic attack as they stood outside the comfort zone of not having a cushion in a checking or savings account?? I have always been a prompt payee with  enough but wow I’m for sure struggling to not spend any extra and pay down loans this journey is proving to be harder than I thought. Although I know it will be worth it at the end.

Again I feel like I will be held more accountable for my actions as I continue if I just keep posting!  So posting I will continue….. 🙂  So the $150.00 will be allocated as follows:  $35.00 to a house project that I had started prior that is now finished.  $30.00 to my checking account to be sure I don’t overdraw the account and the remaining $85.00 to my loan.  Considering when starting this journey I had an origional goal to pay it off by Christmas I’m still ahead of schedule but feel as though I need to do more…..

It’s better to attempt to do something great and fail, than attempt to do nothing and succeed.
Glen Shepard