Those who know me well know I have a birthday coming up. It's my golden birthday (the date is the same as the year I'm turning) and I've always looked forward to my golden birthday. When I was in grade school, I always imagined what I would be like when my golden birthday came. The hope was that I'd be a fabulous adult living in an awesome place downtown with an awesome job, driving a really nice car with life totally figured out. Guess again!
Mind you, I'm happy where I am and enjoy my wheels, but the whole figuring-out-life thing is definitely a life-long process you don't realize when you're in grade school. One thing I still have yet to figure out, and this a biggie: money.
Remember a couple posts ago when I was asking how much is enough? Well according to my budget, I have plenty to live. Living expenses, car expenses, and even some money is thrown into my budget. And guess what else needs to stay in my budget right now? My credit card bill.
My store credits are paid in-full with every bill I get, which is why I rarely put things on store credit. But my major credit card, that's a different story. And it's a sad one at that.
I have a plan. In my budget, I allot for credit card bills. Great! That's a step in the right direction - that means I can pay it off, right? Ideally, yes. For me, probably not.
So here's my birthday gift to myself, to celebrate my golden year: No using the credit card until it's paid off. My living expenses are good and I still have fun money. There's virtually no actual reason to use my credit card. It's time to buckle-down and save like normal people for things. I always like to think I'll pay back my credit card right away, but it's so much easier to forget about it and just pay the minimum payment when it comes. So this year's the year.
Disclaimer - I'm giving myself until my actual birthday to start this challenge for myself. But to be safe, I've grounded myself from shopping for the rest of the month.