Happy new year!!!

Here we are in another new bright year! The topic I am going to plunge right into is none other than the good ole’ New Year’s resolutions. I hate New Year’s resolutions. For the most part I truly believe they are pointless to make. Why? Mainly because most people I know, including myself never stick to them very long. It’s the truth, isn’t it? But let’s not start off on the wrong foot. If you have made your resolution to get out of debt, get help, advice and support from others who have been there. You can stick to your goal of starting a journey to become debt free and your life can change in many other ways also.

When I was in major credit card debt, the New Year was always a downer. It wasn’t bright and I didn’t feel like it was a new start to anything. I began my committed program to get out of debt in some other part of the year, but once I made headway with it that first year, my New Year actually became bright, shiny and full of hope. I was still in debt but what had changed drastically was my attitude about the debt, spending and saving money, and feeling good about myself regardless of my financial situation at the time. I was making progress, not letting any excuses or life problems be the source of reasons for my debts anymore.

This can happen for you and yes it is a New Year but if you have a tendency to start a resolution and give up on it by February, then just play pretend. It’s not a resolution you are making. It’s a new way of life that is more important than a resolution. The only way to stick to this new way of life, by getting out of debt is to change a lot of other things that kept you trapped. Some of the changes will probably only be temporary and others will profoundly open your eyes, that they will become life long commitments of new attitudes and new actions. Your spending priorities can become so much different, you will wonder why you ever got into debt.

In 2016 i made four resolutions:

  1. Find out why I’m so tired all the time.
  2. Get a secured credit card to use in building up my credit score.
  3. Save $750 in the bank
  4. Knit an afghan

I wrote them down in my journal. New Year’s Day I got curious and looked back at last year’s resolutions. Here is what happened:

  1. I’m anemic. Take one iron pill daily and problem solved.
  2. Got a card with a $200 limit. Pay if off every month.
  3. Came close. Had about $524.
  4. Knit a beautiful afghan. Donated it to silen auction. Public library needed funds to get their chairs reupholstered and the budget wouldn’t cover the cost.

You just have to remember that resolutions are goals that you set for yourself to achieve in the coming year. Next week I start college classes again so my first goal for this year is to earn and maintain a 3.0 grade point average. Am using my savings from last year to help cover the cost of tuition and books.