New Year

As we begin look at the close of 2015, we can start to build our plans and goals for 2016. You will join me on my journey to conquer my credit card debt and plan for my financial future. I hope to be able to share pointers and plans that you may find helpful. I am not a finance major - math has not actually ever been my strong point......come to think of it neither has been making sound spending decisions. That part come from this tiny nerve ending in my body that is a LITTLE impulsive.

Just a few years ago I actually had TERRRRRRIIIIIBBBLLLE credit. However, I matured a bit. Shifting my spending from THINGS to grocery - and only allowed myself to spend what was strictly budgeted for. I was able to pay down old debts and use secured, small and short term loans to begin to correct my payment history.

After a year or so, I was able to qualify for a auto loan, a mortgage and a traditional visa. With buying the house this past year I incurred some credit card debt and look to pay it off as to not negatively impact the credit that I just rebuilt. As we have it currently I have approximately $6000.00 in credit card debt that I will look to rid myself of around tax season.

2016's plan is to reduce unsecured debt, (direct correlation) reduce debt to income ratio, use supplemental funds to reduce as much of the principle on the auto loan and the mortgage. Well that about sums up my financial foundation. As I construct the actual plan I will lay it all out brick by brick. Now that I actually put it out there I know I will be held accountable.

Physically I have set the goal to achieve and maintain a size 4. Ladies and gentlemen I was a 12/14. My progress has plateaued at a size 8.....6 if I'm feeling frisky. My weight fluctuates from a 137 to 133 but I am not as concerned about the pounds as I am the distribution of weight and muscle mass versus fatty tissue. Maybe if I am feeling really brave I will post a pic - of my heaviest, to now and then this time next year.........you all will see if I made it.

I haven't really taken much time to think about what my emotional growth goal or plan would be for 2016. Personally I think it will probably be a continuation to what I have been doing this year. Finding myself. or Redefining myself.......what ever it is, I am POSITIVE it will be great. Through the damage and the pain or whatever joys I celebrate from my past, I will continue in 2016 to not let it over shadow my future.

My mommy goal - say yes more, no less. I will explain in a later post. PROMISE, and IF I begin to forget just remind me.

My woman plan - put myself in unfamiliar social settings. This will allow me to meet new people - broaden my horizons, network and maybe get a peek at life from another petite perspective.

~ day dreamer