What A Difference 13 Months Can Make

I have 8300 dollars in my savings account. I have 8300 dollars in my savings account. I HAVE EIGHTY THREE HUNDRED DOLLARS IN MY SAVINGS ACCOUNT!!!!!!!

Now, this may or may not be a big deal to you, but for me, this is HUGE. Until last year, I was in debt, had no savings, and I felt anxious, every, single, day. I worried about my future, I worried about losing my job, I fretted over every expenditure, and I felt like I was going nowhere. Now… Man, EVERYTHING is different. I feel in control, confident about my future, ready to face a financial emergency, and pumped about saving more and more. Am I rich? Far, far, from it. But, I am preparing myself TO BE rich. I’m doing smart things. In fact, here are the smart things that I am doing, right now:

I have a budget.
I save money.
I don’t borrow money.
I pay my bills on time and early.
I balance my checkbook.
I am contributing to my retirement, and will increase my contributions after I have my 20K emergency fund.
I now longer worry, I plan, and take action.

That’s it. Simple, easy, practical. That’s how I like my life.

If you are overwhelmed, and you feel like there is too much info out there, or that you are too “stupid” to do anything about your finances…STOP!!! There is hope. You must learn to grasp hold of today, forget about yesterday, and plan for tomorrow. Quit borrowing money. Get out of debt. Make a plan. Enjoy the simple, everyday pleasures of life. Stop driving around in your retirement (that stupid new car you bought!!!). Think, think, think, think, think.

Far too many people float around, with no insight into their personal finances. Only YOU can make a decision to change. Only YOU can send those payments in. Only YOU can say no to that item you do not need. Only YOU can stay on budget. Balls in your court. What are YOU going to do?

ME April 2005: -11,510.22 dollars
ME May 2006: 8300 dollars
Total Change: 19,810.22
13 Months: = 1500 dollars a month! 50 dollars a day!

You can do this. You can do this. You can do this. You can do this. You can do this.

You must do this.