I feel like February kicked me in the stomach, financially I mean. I should have expected it because I am working towards being debt-free by the end of this year.
January went so well because I did a lot of planning last year – I bought food stamps, I cancelled my vacation and I had bought a few perishables ahead of time. And you know when January came, there were suddenly a lot of expenses that arose, it was good that I’d planned ahead.
Then February came, I underestimated it. I didn’t plan and I had decided to pay more on my car – the vehicle finance. I want my car paid off this year.
One way of doing this is that I’ve increased the amount I’m paying – I’m paying a little more than my installment, via debit order.
Eisj but paying extra, I’m feeling it.
This month I had to use a R500 voucher I had won end of January – initially I thought I could use this to pamper myself, you know, buy a new book, that kind of vibe. Instead I had to use the money to buy groceries.
We probably only once had a take-away (food) this month, which is cool since we like our home cooked meals. It’s convenient to have a take-away once a week, because I feel like I need a break especially when I bring work home – I no longer do take-aways once a week.
I also started to do meal planning for my work lunches, it helps and I’ve avoided buying lunch the whole month.
Anyway, becoming debt-free is challenging, but this too shall pass. It’s only temporary.
Have you paid off your car or any of your big debts yet? How does that feel? Is there anyone else who has some financial goals this year? Let me know in the comment section below.