Perhaps the biggest fundamental change in my life for 2012 centers around finances. For too long I've used the excuse that it's "in my blood" to have poor spending habits and, though there is some truth to that, it's time to get it under control. This blog isn't about going backwards so it doesn't behoove me to do so now. Rather, I want to focus on creating a better financial foundation for myself.
One of my biggest issues focuses on the fact that 15 years ago I was making more in cash as a bartender than I do after taxes to this day with better benefits and worked less hours. I ALWAYS made money nightly and therefore literally made more than I could spend in my off time.... Now... Not so much.
But, with the new year, has come new opportunity. I have a new position with a ton of potential, benefits, vacation time, 401k and a decent salary. So the key, right now, before I get into any kind of a routine of spending is to repay the debt I have incurred over the past couple of months and begin a steady pattern of saving, investing and cautious spending.
The term "nest egg" has always frustrated me. I'm not sure why I have never been able to save money consistently, but I haven't. That said, I've also never had a better opportunity to do so. I've gotten quite comfortable living on (next to) no money and financially have pretty much bottomed out. It's a feeling I will never allow myself to relive.
So, May 16th is my 40th birthday. The day I promised myself I'd have my first million dollars. That part isn't going to happen, and I'm ok with it because what I WILL be on that day, is a much more well-rounded person.
For all of the negativity that occurred in the last year of my life, one amazing thing has come from the experiences... Physically, psychologically, emotionally and financial I'm in a better place than I ever would have imagined! God bless 2012!
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