1. This has been a LONG time coming: I budgeted my final credit card payment this month!
I have been meaning to talk about how epic and life-changing it has been to find a budgeting system that WORKS. (And when I say that, I really mean it’s a system that changed my habits: empowered me to make intentional decisions about my money, and then made it very easy to follow those decisions day to day.) The system I use is You Need A Budget, and even though I can’t use the pitch I depended on before (“It’s life-changing and you only have to pay for the software once!”), I trust that their new annual-fee program is incorporating some fantastic improvements.
2. Related to Thing 1, I’m finally discovering the wonder of saving money! Here’s what’s amazing: when you set aside money for something like, oh, I don’t know, a 3-month cushion (guess what I’m saving money for?), and then you reach that goal? YOU HAVE THE CUSHION AND THEN YOU GET TO START SAVING FOR SOMETHING ELSE! It’s, like, blowing my long-time debt-laden mind that I can have these monthly savings that ACCUMULATE, instead of this monthly payment that I send out into the void, seemingly, which never seems to end.
Saving > Debt (mind blown)
3. I’m going to add another point to this stream because, omg, I can’t stop taking about it.
I love that the process of saving is ALSO a process of dreaming. Do you know how many times, in the past 10 years, I’ve said to myself, “Oh, that sounds like a nice idea, but I can’t even entertain it until I pay off this debt.” THAT WAS A LOT OF DEFERRED DREAMING! I HAVE SO MUCH CATCHING UP TO DO!
And I’m sort of pumped that I get to do it NOW instead of 10 years ago, partially because I am so much smarter and more interesting now. Of course, I’m also more cautious, which is something I’m trying to push against just a bit.
This year is the year of Dreaming Big. I don’t plan on making any big actions (because remember: saving for a 3-month cushion) but I love that I’m finally in a place where I’m allowed to realistically entertain these ideas.
4. I meant for this list to be about more than just budgets. (Whoops!) Here’s a photo of some finished quilts: