2021 Resolution

This year I’ve decided that I’m only making one New Year’s Resolution. My 2021 Resolution is to get out of debt. I’m tired of this dark cloud lingering over me.

I will pay off my debt in 2021. It won’t be easy. But, since I basically have no social life anyway, I can make sacrifices. I can sell off things I don’t need. I can stop going to Starbucks. I can do this. I won’t let 2019 and 2020 define me for the rest of my life.

It’s time for a change.

53 thoughts on “2021 Resolution

  1. I highly encourage you to join me on the 30 Day No Spend Challenge. I am doing this challenge during the month of January and even posted a blog post about it! (totally not like me to post more than one blog post in a week!). I did the challenge last year and felt so much better by the end of it.

    Anyways, there is a Free Downloadable template if that interests you. I printed mine off and taped it to the wall. The challenge is a good way to kickstart the New Year. I also wrote a list of everything that I have deemed to be non-essential, but this list varies from person to person. Good luck! 😊

    Liked by 7 people

      1. Groceries are essential items so no, you did not fail. Essential items are not included in the No Spend Challenge.

        Last year when I did this challenge, I wasn’t perfect. I bought Starbucks. But I tracked everything and saw where I caved. It got better with time, and the habit tracking got better too. I don’t expect anyone to be 100% perfect at completing this challenge! It’s all about the journey and what you learn about yourself along the way πŸ™‚

        Liked by 1 person

  2. You can do it. I got into serious debt between 2018 and 2019, and I’m glad 2020 is the year i came to my real senses lol and cleared about 90% of it. 2021 is the year I plan to focus on saving and investing, Godwilling. So be encouraged. Been there, done that, came out alive and just almost debt free.πŸ’ͺπŸ’ͺ

    Liked by 5 people

  3. I know you will do it and you will do it very well and maybe even save money. There are so many ways we can save money to pay off debt. And when we really look into it , we can be amazed and it will be a great experience.

    Liked by 4 people

    1. That’s what my hassle is right now. I was 30 before I racked up any debt at all. But this dang credit card bill I racked up when I was unemployed… I don’t want it to haunt me forever. I can deal with car payments because I feel like it brings me value. I haven’t used my credit card since June. I want that feeling of not having to pay for a credit card bill anymore.

      Like

  4. There you go, setting an important intention that will ultimately free you and I believe relieve a part of your anxiety too. You can do anything you set your mind to VπŸ€—πŸ₯°πŸ™

    Liked by 4 people

  5. You know! Since I have entered this phase of adulthood I’ve started getting some straight up knowledge about finances n stuff like that.. The girl who used to spend her time watching fancy YT videos now jumps on money videos.. I’ve seen a difference in me n i m happy about that.. I don’t have any debt… But other stuffs need to get aligned… Properly…
    Yeah… Not spending so much on stuff.. Literally saved so much money.. Yeah.. True!!

    Liked by 4 people

    1. That’s what I want! That’s what I need to do. I need to start budgeting and stop spending so much… I need to follow in your footsteps.

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  6. We too are looking at paying more of our debts this year, on our mortgage and on my student loan back home. Not so much that we don’t have anything in reserve in case something happens, but just a bit extra every month.

    Liked by 4 people

  7. When I graduated from college I had some whopper debt that really limited where I could live (moved back home) and my job opportunities. I made it a goal to be debt free by the time I got married (with no proposal on the table πŸ™‚ ). It took years, but I paid everything off making min. wage most of the time and have turned it around ever since.
    Plus when I had my oldest son I was able to stay home instead of going back to work, owned crappy cars, but debt free.

    Liked by 5 people

    1. Sounds like you really buckled down and it paid off for you in the long run. An inspiring story. Thank you for sharing. I hope I can get there where I am debt free.

      Liked by 1 person

  8. My parents have payed off their debt using Dave Ramsey’s method, Financial Peace, he has a YouTube channel. I suggest you looking into it and see if his method would work for you. Good luck

    Liked by 4 people

  9. Being broke but not in debt is honestly great :D. Nothing to lose, but without the dark cloud. Forces you to focus on and appreciate the things which are truly functional in your life 🦾🦾🦾.

    One awesome thing I discovered last year because of it was these manual carpet sweepers you can get:

    I’ve always thought this dependence on super high-tech, complex and breakdown-prone vacuum cleaners was a modern consumerist absurdity which surely isn’t necessary, and it is! I LOVE reliable and maintainable stuff.

    Like

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