Change Your Life By Becoming A Frugal Freak – 11 Ways To Be More Frugal - Are you frugal? Or, do you like to waste money? By wasting money, I mean spending well beyond your needs. If you're reading this article, I'm assuming th...
Monday, December 14, 2009
What I Want for My Birthday!
Yes...it is my birthday which would/could be easily forgotten, except for my kids. THEY are the ones that make a big deal out of it! And so I relish it. Actually, it is better than the alternative of NOT having a birthday!
But, it does get a middle-age mom to thinking especially when the years seem to fly by faster and faster. It makes you realize just how few years are left to get debts paid off and build up that retirement savings. Since I have such small children, you might be surprised to learn that this is #47 for me. Yes, I was a late bloomer in the becoming-a-mom department having my first at age 39 and the other at 42.
Anyway, I've decided that for the next BIG one (50), I'd really like to have those credit cards balances demolished. This seems so daunting. I really don't have the current cash flow to do it in three years. In my job, I could work massive amounts of overtime. However, my maternal instincts tell me that's not the best idea. I didn't have kids for them to have a mom who works all the time! But maybe I don't pay extra on the rental mortgage and send that extra $200 a month to the credit cards. Or maybe we sell the rental unit and pay the credit cards off with that equity. Or I might just hold out hope for massive amounts of extra snowflakes.
So I'm putting this out there. I might or might not make the goal. But wouldn't it be a wonderful birthday gift to start off my 50's with no debt except the mortgages! I've heard you have a better chance of reaching a goal if you put it in writing, so here it is! Check back in 3 years...and we'll see where it stands.