Wake up, wake up, wake up it’s the 1st of the month!
Hey, Guise! As you may already know, I attempt to do a first day of the month goals post for each month. Each month I write a post that entails all of my financial goals that I hoped to at least start working on , if not completely annihilate, altogether. So, in an effort in maintaining a semblance of consistency, here we go again! Let’s keep the party going!
Today is the first day of December and I’m MF’n TIIIEDDDD! That’s tired for the fancy folks. November was a doozy, and quite honestly, I’m glad its over. I barely made it through. But here we go:
- Get out of debt- COMPLETELY!
I have to be honest: The holidays are kicking my butt. I accumulated even more debt due to buying holiday gifts and the extra costs from a trip I’m taking this month.
My. Pockets. Are. HURTIN’.
So, basically I have to start all over again with this goal. And it probably won’t really be dealt with until the new year. In anticipation of this ridiculous overspending, I called my credit card company and asked if they would lower my interest rate- and they said yes! Its only for six months but it will help me a little as far as avoiding some of the weight of the high interest rate.
- Create a Well-stocked Emergency Fund
Saving still ain’t sexy, but its still necessary. I have managed to continue to squirrel away a few dollars here and there. However, I will have to dip into my savings for this trip, as well. Hopefully, not too much but we will see.
- Create Multiple Sources of Income
I am slowly putting more funds into my Roth IRA but not enough to buy any stock that I want. Slowly, but surely, though!
- Planning for early retirement
Ugh. See the above.
- Be a Blessing
Earlier this month, I had the opportunity to volunteer at the Atlanta Community Food Bank’ s warehouse. It was so much fun! I definitely plan on taking advantage of further volunteer opportunities and I’m pretty excited about it.
These are just a few of my main goals, on my journey to wealth. Once again, November was a financial bust, but I have no regrets. I just have to do better this month and January. I’m pretty positive that my bounce back game will be hella strong. Send positive vibes and prayers my way, though, just in case.
How have you prepared for the Holiday shopping and overall craziness? Will you go into debt, like me? Or are you more savvy and had a game plan? Let me know in the comments!