Hectic, But Good

Photo by Karolina Grabowska on Pexels.com

It’s been a hectic week for me. Work has been crazy because we had Parent-Teacher conferences this week. Which means I have to work several evenings, so my schedule gets thrown out of whack.

But it’s all good, and now it’s over. 😀 I’m still trying to make various changes in my life, including getting healthier and working on other projects. I did farm out my quilt/blanket projects to someone else, which lifted a huge weight off of me. The pieces for those projects have been languishing around my house forever, so getting them on track to be finished feels amazing, even if there is some slight guilt for not doing it myself. :/

Since I am having someone else complete those projects for me, I can focus on other things – like my baby YouTube channel where I draw mandalas real time on screen. Click the link and see what you think – maybe like and subscribe while you’re there? 🙂

There was also some good news this week. After completing our 2020 taxes, we are getting a refund. One that will allow us to finally pay off the last of our remaining credit card debt! Once that is done, our only remaining debt will be our mortgage and one car loan. It feels like it took forever to get here, but I am so excited to finally see that last credit card bill!

That means we can start taking the money that would have been applied to that debt every month and start doing other things with it – like investing and/or saving it. It’s taken years, but it definitely feels like we have rounded a corner with our debt. My oldest graduates college in May, so that is another huge load off of us. I’m extremely proud that there will be no student debt on her shoulders when she graduates.

I posted before about paying yourself first and since the beginning of 2021, I have been doing that. Once we get paid, I immediately take 10-15% of our pay and put it in savings. I get to feel better about watching that savings balance grow, and we are still able to pay all of our bills (including extra on debts). And since that money is gone immediately, we don’t miss it – which means we have been spending more than we should anyway.

It has also been really great to buy things and pay cash for them. A few months ago we were able to purchase a new smartphone for my husband and pay for it in full without having to do a payment plan with our phone provider. And when our dishwasher finally became so loud you couldn’t hear the TV over it, we were able to go to the store and pick out a newer, quieter model. (Confession – it did get put on the store credit card, but we have the cash and will be paying it off in full when I receive the bill – we saved 15% on the price by doing it that way.)

I’m excited about all of the changes in my life so far. I can’t wait to see what is waiting for me next!

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