End of an Era
Mar. 22nd, 2006 10:07 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
caffeineI have had a personal trainer with whom I have met for about 4 years. I have actually had 3. The first one left to pursue her Masters and Physical Therapy work, the next one took a job at another club where she had more responsibility, and I have been with Sally for quite a while now.
Ever since I stopped traveling 50%+, I have been spending like I was getting quarterly travel bonuses and having half my meals covered. I went from 0 (yes, zero) credit card debt to over... well, more than my car is worth. This needed to stop. I was living like a typical American and overextending myself. I have cut down on plenty of extraneous spending, cutting down easy places like DVD and CD purchases, cutting out MMOs that I no longer played often, and recently cutting out lattes in favor of plain old coffee (and attempting to take advantage of discounted or free refills). But I still don't drink that crap in the cafeteria.
Well, the easy stuff out of the way, and over 80% of tax return to debt reduction, now the hard decision. Dropping my Personal Trainer. Without that cost, I should be able to get back on top of my credit card and get it to 0, as well as pay off my motorcycle this year (car has been paid off for quite a while). Then I can work on the HELOC. Aggressive, and I am sure plenty of financial planners would rather see it go into a roth or other investment, but hey, it's me....
There, more of my money issues than you ever wanted to know.
Ever since I stopped traveling 50%+, I have been spending like I was getting quarterly travel bonuses and having half my meals covered. I went from 0 (yes, zero) credit card debt to over... well, more than my car is worth. This needed to stop. I was living like a typical American and overextending myself. I have cut down on plenty of extraneous spending, cutting down easy places like DVD and CD purchases, cutting out MMOs that I no longer played often, and recently cutting out lattes in favor of plain old coffee (and attempting to take advantage of discounted or free refills). But I still don't drink that crap in the cafeteria.
Well, the easy stuff out of the way, and over 80% of tax return to debt reduction, now the hard decision. Dropping my Personal Trainer. Without that cost, I should be able to get back on top of my credit card and get it to 0, as well as pay off my motorcycle this year (car has been paid off for quite a while). Then I can work on the HELOC. Aggressive, and I am sure plenty of financial planners would rather see it go into a roth or other investment, but hey, it's me....
There, more of my money issues than you ever wanted to know.
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(no subject)
Date: 2006-03-23 04:36 am (UTC)