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Resolving to gain financial peace. again. and again. and again

J and I have hit a few rough patches, that would have been doubly as bad before our Dave Ramsey days.  One of the first things we did when we joined FPU was to get rid of our 2 car payments by selling our cars.  We bought one car that has since blown an engine, and my parents gave us another, that blew a transmission on I-95 on one of the worst traffic days of the year.  We haven’t gotten a repair estimate for the latter, but the former is 3k.  We’ve not saved any money in this car.  What we’ve put into it could have easily paid for at least 5 or 6 months of car payments.  I guess I’m trying to rationalize what I must now confess.  We have another car payment.  We thought long and hard about it, but right now, it’s cheaper in the long run than to try to continue to fix these cars.  In the meantime, we’ll save money to fix whichever car is cheapest to fix, if either one of them is worth fixing.  It had to be done.  We were down to one car, and that car was gone.  It’s a given that J has to get to work.  We still have our baby emergency fund, which can be put towards fixing the transmission in the impala. I think we’re going to just let the Outback go to car heaven.

I did really good before Christmas.  I resisted overspending before Christmas to undo some of the damage on the after Christmas sales.  Listen to me rationalize again… it’ll save me money next year when I don’t feel the compulsion to by Christmas ornaments.  In the end, I didn’t blow that much money, but I hate it I hadn’t planned to blow some money.

We’re going to go through FPU again starting in January.  We’re going to play close attention to the insurance and annuities portion of the classes, and hopefully gain some more gazelle intensity.  Looking back over last years resolutions, we’re lightyears ahead of where we were then, or even 6 months ago when I was thinking of leaving J because I couldn’t take it anymore.  I’m such a perfectionist that I’m going to cut myself a break.  My resolutions next year will be to spend cash, spend cash, spend cash.  We need to plan for this because getting to the ATM is something we don’t do if we don’t make the time.  Some of my [over spending] over the last 2 days was in cash, but when I ran out, I whipped out the plastic. Ca Ching.

Here’s fishing you Financial Peace in 2009.

December 28, 2008 | Filed Under Financial Freedom Journey Pep Talk, Financial Goals, Financial Peace Baby Steps, Financial Peace University 

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