As I said a couple of posts ago, I'd rate the financial part of my life at most a 6 on a scale of 10, mainly because of my credit card debt. Since then, I applied for, and received, a credit line that I can move that debt over to for 0% interest until January 2019. I will likely have to move the debt a couple more times to take advantage of such offers before it is fully paid off, and that is the long-term goal. Also, I will be incurring less debt in the future by truly considering a purchase before making it.
When I look at my finances for the last few years, I have to acknowledge that my spending habits have changed - and that my credit debt is the last bastion of the old spending habits.
Like many people, I used to shop as - I was going to say therapy, but it was more like escape - having new things was like losing myself in a drug - the high lasted for a little while, and then I was back to my real life, only with more debt.
As I have gone through this self-coaching over the last few years, I realized and have taken to heart that things are not the answers to my issues.
Those answers have to come from the inside, not the outside.
And in order to be free to live my best life now, I need to free myself from the load (and land) of debt as well as that of material things that do not bring me joy or fill a true need.
I know paying off my debt is a multi-year commitment, however, it took time to get to this point, so it makes sense it is going to take time - and strict adherence to a budget - to get away from this point and to the financial place I want to be, to the financial freedom I want to have.
As I said at the end of last week's post, I am responsible for success in every aspect of my life - as I define that success. And I have redefined financial success as having a minimal credit debt, and have committed to move toward achieving that goal.
What have you harvested in your financial area of life this year? What changes are you committed making to be successful in this area of your life so that you can live your best life now?
There are two more areas to review this year's harvest for - career and relationships - and we will discuss these over the next two blog posts.
Until next time, Namaste!
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