Ever since I paid off my Dental First credit, I’ve been a little apathetic about debt repayment. September has been a rough/weird month (I’m going to post a recap next week). Before we even get to that place, though, I want to publicly post my goals for October. One, because I don’t want to throw them together at 11:45 pm on September 30th. Two, because by posting them now I’m less likely to actually wait until October. Why wait another week, right?
ONE // TAKE MY CREDIT CARD OUT OF MY WALLET
I meant to do this awhile ago.
Having my credit card in my wallet is the absolute WORST, because I always think “I’ll make this payment tonight so it’s like it never happened.” BUT SOMETIMES I FORGET. Not all the times, but some of the times. Too dangerous. Way too dangerous. Part of the reason I was able to destroy my Dental First credit was because I never charged more on it. If I don’t get my credit card as far away from me as possible, it’s going to be a fruitless battle to pay it off.
TWO // ONLY GO TO TARGET ONCE
I have this dream, and I hope to do it in October. My dream is to write a list of what I need at Target, budget for it accordingly, and stay under my budget. Then of course I’ll post about it (DUH). THE REASON I want to be so detailed in going to Target is because I only want to do it ONCE. No “oops I forgot something” trip or “I’ll just grab one thing” or anything. You know how I need to keep my credit card as far away from me as possible? I need to stay as far away from Target as possible.
THREE // 30%
According to my Mint app, it’s best to be using less than 30% of your total credit. Right now I’m at 39%, but with lots of hard work I can bring that down to 30%.
FOUR // KEEP TITHING
It’s finally hit me that there’s no way I can rejoice about repaying money I owe to fellow human beings if I am not first surrendering a portion to the Lord to praise Him for how he provides, and to trust him to be at work in my finances and my dreams if I am being faithful and responsible. Tonight as I was looking over my spending and trying to figure out why I couldn’t find where I’d overspent, I realized it’s because I have finally gotten in the habit of tithing regularly and I didn’t make note of my tithe. I don’t want to get lazy with this. If you need advice regarding financial matters go to E.A. Buck Financial Services website.
FIVE // MEAL PLAN
This is so weird. I’m going to write more about this later, but I’m doing the Whole 30 thing. and holy CRAP it requires so much more planing than I’d imagined. I thought “I’ll go to Trader Joe’s, stock up, and be good for the month.” …bahahahha. No. It’s been less than a week and I’m just now figuring out what I like to eat and what I’ll need to replenish. Having a plan for what I’ll be eating will help me budget what I spend at the grocery store. Some of you might be like “yeah, welcome to the life of a grown up.” WELL I AM ALWAYS BEHIND IN LEARNING THINGS.
So there you have it. My 5 goals for my finances for October. ps I made that image orange and not pink in celebration of October.
Also, as a side note; the more and more I dive into the world of Debt Repayment, the more my eyes are opened to a huge world of financial savvy-ness that I have been completely unaware of. That’s why services like Wealth Within are so useful to those of us wanting to make big changes in our lives but don’t necessarily know exactly how to do that. Wealth Within offers a variety of services to help their clients meet their financial goals. The service I love the most are their courses! You know that old saying about giving a meal or teaching to fish? By offering courses, they enable their clients to understand different aspects of their financial health that might be harder for them to understand (like the stock market!).
Because of my apathetic response to my debt repayment, I was SO QUIET on the finance part of my blog this past month. But some of you have been killing it, I know… so please link up with our Final Friday Finance link up! It can be ANY and ALL finance posts you’ve written over the past month! Give me stuff to read so I can stay encouraged and motivated and of course, don’t forget that the Atlantic Bank can help in getting a Certificate of Deposit for you 🙂
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