Lacking Motivation
Exhausted today and just not feeling inspired about anything.
I have a post I want to write about how the mortgage world has changed in the last 40 years, and how the rules of the 1970s really can’t apply to today’s mortgages because of the inflation of property values, but it needs a little more research so I know I’m using accurate numbers first.
I turned to the blogs I read for inspiration, but while I enjoyed the posts, nothing was jumping out at me enough that I though, I need to write about this.
I considered a blog round up, but I like those to be in addition to my regular posts. I will get one up this week, though.
Maybe it’s because I didn’t get enough sleep last night and today was the first day I had to wake up to an alarm in a week.
Or maybe it was because over $3,000 left our accounts today (6 month auto policy, paying for the hubby’s fall quarter at school) in addition to the new tire we bought last night and the costs of registering the car- which hubby should be doing today.
All of these things (well, not the tire specifically, but we have a general car fund) were planned for and we have the money. There is no financial hardship arising from any of this. It’s just hard to see so much money go elsewhere all at once.
Or maybe it’s because I had been so looking forward to reaching last week’s milestone of owing less than I borrowed on my undergraduate student loan that this week feels kind of like a let down.
I need to take a look at our debt paydown schedule and come up with some new milestones and stretch goals. Sadly, my original idea of making extra payments on my graduate student loans have been derailed by Citi’s awful web payment program that messes up my automatic payments every time I try to pay extra- even if I pay the extra on the same day the auto-deduct happens.
Still, having new goals and milestones will help me stay motivated.
Which gives me goals for this week:
1) Blog Roundup
2) Determine next set of goals and milestones for debt paydown.
I feel better already.
I agree with your sentiment about the $$ leaving your account. Last month I paid off 2 of my student loans and while I absolutely loved the idea of getting rid of that debt, I also hated watching the money pretty much fly out of my checking account!
We all lack motivation now and then, but it sounds like you're feeling better now. For Citi, maybe you can change it so that your automatica payments include the extra?
It got a lot better for me when I realized those big unexpected expenses happen all the time…at least 2-3 times/year anyway. I should write a post about it but I decided that I needed a "random stuff" fund and I listed down in a spreadsheet all the "Stuff" I had that I would replace if it broke. There was a lot..from washing machines to digital cameras and most of that stuff is not meant to last anymore.I still am amazed at how much money goes out of our accounts every month but as long as I make a little progress every month, I feel like I'm at least moving in the right direction.