One of my friends invited me to join a Happiness Project Group with her. The group is based on Gretchen Rubin's book, "The Happiness Project". We met at the end of 2010, having read the book and set up our individual happiness projects. This required us to contemplate what makes us happy and to devise a plan for each month of the year to work toward happiness.
My January Goals are based on Financial Peace! Financial Peace would certainly make me happy! Specifically, I have to reserve my credit card for emergencies only, not spend more than I have (as in, not spending into the "cushion" that is created when I know my automatic payments won't be deducted for another two weeks). I have also vowed to shop sales versus paying full price for things. Finally, I want to stop overbuying (as in, don't buy enough grocery staples to last a six months when I go to the grocery store weekly).
I had a pretty good budget going into the new year, but I tweaked it a bit. On paper, we can pay our bills and that's about it. I'm not sure how, but we are overspending like crazy. I need to be more cognisant of those times that our income is higher than budgeted and instead of spending frivolously, pay down our debt.
Wish me luck!
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