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.
Seems like a plan. Make isolating into something positive!
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That’s the plan.
Happy New Year to you!
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Right there with you!! Work on debt and health this year for me โบ๏ธ
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Happy New Year! Sending you plenty of motivation for the year ahead.
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Happy New Year!!
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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! ๐
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I already broke the no-spend. I bought groceries this morning. Does that mean I fail?
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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 wasnโt 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 donโt expect anyone to be 100% perfect at completing this challenge! Itโs all about the journey and what you learn about yourself along the way ๐
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You gotta eat!
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You raise a valid point there.
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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.๐ช๐ช
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I’m going to follow in your footsteps then. I want to feel the feeling of being alive and almost debt free.
Thank you for the motivation.
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You can do this! I know it seems like a very steep mountain to climb, im still climbing and not giving up. I will get to the top and you will too!
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You will get to the top. 2021 has no limits.
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I love that, thank you ๐
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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.
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I hope it turns into a great experience. It’s going to be a lot of work, but it’s worth it, just like you say.
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I’m with you on this one. Best of luck. Life is so much better when you don’t have a debt cloud hovering over you.
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OHHH I feel this. I’m really hoping to get rid of that cloud this year. I’ve got 12 months. Fingers crossed.
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Getting rid of my credit card debt was an amazing feeling. Iโll have debt because if my house for a long time, but itโs crazy how much better I felt not paying those crazy fees.
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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.
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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 V๐ค๐ฅฐ๐
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Gosh I hope so. I think you have more faith in me than I have in me. lol
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๐๐๐
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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!!
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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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Sending you love and support! โค๏ธ
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Thank you โค
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You got this! This is a good one!
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Thank you โค Happy New Year!
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Debt is a big mental burden and starts affecting physical health also.
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You’re absolutely right with this. It takes a lot from everyone it touches.
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Happy new year, youโve got this ๐
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Thank you. I hope you have a good year ahead.
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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.
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A little bit extra every month is exactly what makes the difference in the long run. Stick to it. You can do it.
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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 ๐ ). 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.
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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.
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It was like a strict diet!!
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Don’t let 2020 define you. You will define 2021. Go V!…
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Thank You.
I shall try my darndest.
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Not bad…but they say if you want to be rich then you must have some debt to pay
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I’ve never really wanted to be rich. Just comfortable.
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My parents have payed off their debt using Dave Ramseyโs 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
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I’ve heard about the Dave Ramsey method. Thanks for reminding me. I’ll look into it.
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Great commitment!๐
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Thank you.
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Welcome!
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Good luck!!
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You have a solid plan. The most important thing is to start. I’ve shared some budgeting tips on my blog if you need help in that area. Good luck
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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 ๐ฆพ๐ฆพ๐ฆพ.
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.
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Well, having said that lol, I use it in combination with this:
But that thing came with a 3-year warranty and has a REMOVABLE battery. You take it off the side to charge and they have standard batteries that you use for all of their different tools :D. It’s purely built for functionality, I love it.
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