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Reality of short savings goals

November 4th, 2013 at 10:38 pm

Now that my credit card debt is gone I can finally focus again on saving. And I'm short. I'm short on my three months goals. I'm short on my Christmas goal, gift fund goal etc.

It's frustrating. It feels like I cannot get it sorted out before this job ends and like I can't seem to win and have to be stuck of off living off of nothing for a while longer.

But then I think wow my credit card debt really is gone. I really can pay out an extra car payment each month and still save for goals for as long as I am employed.

Today was a pain and so was last week as I had some unexpected expenses. But they are taken care of which feels pretty good. And I am still credit card debt free today. I guess as someone had said on the blog comments. I need to let this accomplishment set in before I freak out about the next.

I've been stuck with that debt for so long most of the years since I turned 18, that I need to relearn things. I'm just so programmed into the payments its become a bad habit. Guess its just time to replace it with a new one like putting that money toward paying off my darn car, or just really breathing easy that as long as I keep my savings high, the credit card nightmare is finally over. Just hoping I can plug those savings gaps.

I have accomplished a lot and I just need to remember to take it one step at a time. It took years to rack up the debt, and years to pay it off. Building up my savings will take a while too. I just need to be patient.

5 Responses to “Reality of short savings goals”

  1. Carol Says:

    You definitely need to take some time to let the freedom from credit card debt sink in! That is a big accomplishment so don't beat yourself up that your savings goals aren't met yet. Slow and steady will get you there, but take a moment to feel proud of your accomplishments. You did the one; now you will be able to do the other. Good luck!

  2. creditcardfree Says:

    I've been there...it is different to change gears, but you can do it!

  3. klarose Says:

    I never had debt. But I understand how you feel. It is so frustrating when your behind on your saving goals. Especially when it does not seem like you are getting anywhere. It is really hard to be patient.

    But you paid off your credit card! You can do it!

  4. mamasita Says:

    You paid off the credit card debt, now that extra money can go towards your savings goal. It will just take some time to accumulate, patience!

  5. Permanent Temp Says:

    Thanks all. Per someone's suggestion in the forum I have looked into money rules for people with irregular income. One of those links lead me to a book that people who are in my situation seem to swear by so I used the last of my gift card money to go ahead and order it. I'm excited that I'm now at a point where I can look at how to keep myself afloat throughout the year instead of wondering how I am going to pay off erroneous debts.

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