My first goal is to cut down on my spending, increase my savings and lower the costs of bills. It seems easy but when it comes to actually trying to achieve it, something always comes in the way. I’ve decided that I won’t let anything in the way anymore. I’m not sure exactly how much debt we’re talking about but it’s closer to 20 grand than 10. The big loan is the last thing for me to focus on. There are smaller ones that need to be cleared off first. First I have to find out exactly, down to the cent how much is owed. Then I need to work out which ones are the most important. I could clear off one thing at a time or work on a couple of things in the one go.
I also have to juggle with other expenditures that are going to be flying at me in the first couple of months of the year. I think that May is the first “clean” month I have in the year so it’s going to be hard going. BUT I’ve started to save and I think I have enough to pay off one loan but it depends on how much interest has been built on it since then. I plan to find out as much as possible tomorrow to try and work on things a bit more clearly.
