Welp, the 1-year Spending Fast is coming to a close!
Although my debt is definitely not gone, it has reduced significantly since the beginning of 2012.
$13,168.04 - Starting Debt at Jan 1, 2012
$7,169.78 - Current Debt at Dec 17, 2012
That means I've paid off nearly $6k in debt this year - $5,998.26 to be exact! I still have a ways to go, but if I keep the same determination going this year I believe that by 2014 I can be 100% debt-free. And oh what a wonderful feeling it will be!
Although I'm dissapointed that my debt isn't fully paid off by now, I understand that certain aspects of my life (and certain choices), caused it to be that way. I took a lower paying job, I know that I spent money at times when I probably shouldn't have (but man, it was still worth it - and I'm definitely not perfect), etc. But I've learned so much this year, and I'm ready to take that to 2013 with me.
I already know I'm going to take some kind of vacation next year, so that will definitely dip into what will go towards my debt - but life is short, and I'm tired of putting vacations on hold! And I'm OK with that - I've accepted it. If that means taking a little more time to get completely debt free, then I'll take it. I still gotta live my life!
I know that it's a constant struggle, but I'm going to stick with it. How wonderful when I can actually put money towards my savings every month instead of credit cards & interest. How wonderful that my money won't be completely GONE the day after I receive every paycheck! Oh man, I can't wait.
And that's what keeps me going.
Well, that and all the love & support from my family & friends of course. :)
Love you guys! And here's to being debt-free by 2014!