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.