Not a lot to report here…
Smallest Debt (December 2011): $5,787
Smallest Debt (January 2012): $5,586
Went down by a little bit.
Total Debt Update:
January 2012: $34,185
% Change from December: 0.8% Decrease
I really wanted to be under $34,000 but I’m not. These next few months are going to be tough. I have a lot of expenses to deal with and simply not enough money coming in. I have to increase my income! Also, I mentioned last month my first goal of $300 savings by the end of January. I’m at $133. I’m embarassed to be an adult with that much in savings. But I have to figure this stuff out. So what’s my goal for February? It’s $300 in savings and reducing my overall debt by $900, so $33,285 total.
I could whine and complain and feel worried and and anxious and nauseous that I’m never going to get out of debt or make a lot of money. But then I see people like 11 on my own, who has been through a terrible relationship and yet still writes with dignity and grace (and feeds a family of 11 on her ultra-limited budget). Is the point of this blog to get me out of debt? Yes, I hope so! But it’s also about becoming a conscious person. It’s an education in critical thinking and asking questions. We all have setbacks. It’s moving forward from those setbacks that matter.
In exciting blog news, ADP was featured in two carnivals recently, at the Amateur Financier and Steadfast Finances Yakezie Carnival – The Superbowl Clones Game. What’s even more exciting is I won the Amateur Financier’s Personal Finance Book giveaway! So I’ll be inviting all of my friends to consider taking one of the books for their own money education. Thanks again Roger!
I’ve also got a few awesome blogs I will be featuring more often, which are Wealth Informatics, The Money Principle, Smart Family Finance, Funancials, MoneyGreen Life, The Dog Ate My Wallet, Super Frugalette and The Millionaire Nurse Blog. Please check them out and say hello!
It’s exciting to see your comments on the posts here. I don’t want to bore you. I’m planning on providing more relevant content, more interesting ideas and more “action tips” posts. If you think there are topics I can provide a good perspective on, let me know! I will totally go out and research it and give you all kinds of extra information.