Wednesday, September 25, 2013

Fall...

Whew! It's hard to believe that summer has come and gone so quickly.  I love fall, all the leaves changing color before falling.  Football every weekend then watching my niece play soccer and my nephew run cross country.  Such fun!  Life slows down a little from the busy days of summer and more time is spent with family.  I also find that my spending has "fall"en as well.  I spend a lot more time at home, watching movies, reading, baking, etc.  While I'm still working on reducing my debt, I feel more relaxed about it, probably because life has slowed down some and I'm not stressing about how much money I will have to put toward the debt.  And for me, I seem to have more money to put toward debt reduction when I'm stressing less about it.  All in all, a win from all angles. 

I've had my foot surgery recently and am almost fully healed, thankfully!  This has also slowed me down somewhat, not going out and spending money I could be putting toward my debt.  I'm focusing on reducing the car debt as quickly as possible and hoping to have the new card paid off by Jan. 1, 2015.  That's going to require some serious discipline on my part, but the great feeling of not having that debt hanging over my head should motivate me. 

Holiday shopping is going to be right around the corner too and to ease the pain of this, I've been putting away $5 bills every time I come across one.  I'm surprised at how quickly this money has added up.  I started this in July and I already have $125 built up.  I'm thinking next year I will start this on January 1 and save all $10 bills.  That should surely give me MORE than enough money for my holiday spending.  I don't really have that many people to shop for each year and I've started making a lot of the gifts for friends, which is very cost effective and who doesn't love homemade treats?!  I make candy and cookies and box them up real cute.  (Hint: buy the boxes at the end of the season for the next year!)  And now that it's getting closer to the holidays, I've been watching the sales at the grocery store and stocking up on baking supplies whenever possible. 

I hope you all had a wonderful summer and are enjoying the changing of the seasons...

Current debt:  $235,175.08