Today marks 100 days until I can make my last credit card payment and become debt free.
I begin this in the spirit of honesty by telling you that yesterday I increased my debt by paying for something on my credit card. It is for a masterclass about writing a book. It had a 50% discount. I had been doing a free challenge with the leader of the masterclass all of the last week, and the challenge has proved invaluable. I also great respect the leader of the masterclass, I have read all of his books, and he is considered a great success. Yes, paying for this course was slightly impulsive, but it wasn’t as impulsive as you think.
Yesterday I did not have the money in my accounts to pay for this course in full, but by the end of the month I will. I bought it after having first determined by looking at my budgets as to how I was going to pay it back so that it doesn’t impact on my debt free date. Knowing that it won’t made me feel like I could pay for the course. I have a plan that won’t impact on my savings either. It’s all gravy, baby.
The Flo of 2015 and before that year would have just paid for the course with no thought as to how she was going to pay it back, and she wouldn’t have reduced her spending or looked at her budgets first and as a result she would have got into trouble as soon as that credit card bill landed on her doorstep.
This new Flo is not a twat. I know what I have to do to get myself out of debt and to get the most out of my life on a small budget. I honestly believe I can afford whatever I want in life I just have to have the plan in place first.
I feel so good about my life at the moment. Feeling good makes me worry, I worry that the universe is going to think I shouldn’t be this happy and will do something to make my life go terribly wrong. But that’s a bit egotistical to think that the universe is totally concerned with me. Ultimately life is just a serious of ups and downs, there is no other motive behind that.
So, my 100 day countdown to being debt free begins today. On August 27th if all goes well I can make my last credit card payment and become debt free. There is a chance that the old way of life won’t have returned, and my plans for a wild party will be just a dream, but it will be a joyous day either way.
I will posting every day, or at least trying to, on the 100 day countdown to being debt free.
I remember the first 100 days of my debt free journey and just how different a position I was in then compared to now. It was still arduously hard then. It remained really difficult for years. It is only really in the last year that things have become the easiest they have ever been.
I have changed so much as a person, and I know I have the financial skills to see me safely through the rest of my life.