Financial Freedom

My Journey Toward Financial Freedom: Crunch Time

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My girl is moving in with me this Saturday! Exciting times for sure, but I’m still not where I want to be financially. It it what it is. I need to accept this lifestyle takes some time to cultivate.

The problem with me is I’m totally not a patient person. Keeping the mindset of living in the moment certainly doesn’t help.

Damn, damn, damn!” (c) Florida Evans

I’m going to take a gamble on this book and make it my focus for the next few months. I was originally writing two books to satiate my ADD, but I notice I’m makingĀ wayyyyyy more progress with one than the other.

Ride that wave, baby.

So I’m giving myself until the end of the year to wrap this bad boy up. The cool thing about it is I can already see how I might be able to write a few follow up books that are related to the same topic. I have this t-shirt idea I’m pursuing with my buddy, Pat, as well, but writing is something I can easily do on my own. There’s podcasting too, but that is definitely a labor of love for now.

Then there’s my debt which is almost all comprised of student loans.

Ugh.

Can I ever attain financial freedom with that monkey on my back? I need to figure that one out, because with my previous job, I was making double payments each month to get them down to a manageable place. Right now, I’m struggling just to make that payment. Once again, this is by choice so I can’t complain too much.

So here I am at another crossroad.

Word to Bone Thugs.

I know if I sell my car, I can go about five months without worrying about my loans. Hell, I was planning on selling it anyway. Maybe I just need to speed up the process.

But this isn’t enough. I’m also separating my debt from my monthly bills. Factoring them together is a mistake for me because I need to set end goals. Debt (hopefully) has one while monthly bills don’t. They’re not in the same category so why plan around them as if they are?

Next time I post my weekly progress, I’m going to provide my new method of calculating all this crap and provide a breakdown of how I plan to cover monthly expenses while also keeping a “debt fund” to which any excess money goes.

Now I just need to start making excess money, heh.

Peace out, party people.

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