Back to the Freeze

With holidays over and real life with a baby settling in, it’s time to get back to my spend freeze. I’m still not making smart choices with my money. I started this freeze in May and still have 4 credit cards to pay off. The end is not yet in sight. 

However, I did pay off my car in October. That felt good. We are a single car family at the moment and I’m trying to hold off on getting a second car for as long as possible. I really like not having a car payment! 

I have to set some rules for myself and actually stick to them. Living debt-free is realistic, but only if I commit myself to it. If I was debt-free right now I could be planning a trip to visit Hope in London. But I let stupid Target trips and cable hold me back from really living my life the way I want to.  

1. Make simple and easy meals that require a smaller grocery budget
2. Avoid focusing on expensive details when throwing parties (like heart patterned straws for an upcoming Valentine’s Day Brunch…but I already bought them so that is a rule moving forward)
3. Focus each day on spending no money
4. Don’t go to Target

Now for my goals. I want to have all my credit cards paid off by June 20, the first official day of summer. I think this is a realistic goal if I really focus. That means by the start of July I will only have three student loan payments (and realistically probably a car payment since it’s been difficult to be a one-car household lately). 

Alright let’s restart day one tomorrow. I’m sticking to it this time!