One of my goals moving forward (it’s more than a new year’s resolution; it just happens to be January) is to get a grip on my current financial situation and works towards a place of greater financial stability over the year. I have made some pretty poor money choices in 2018 (and 2017 + 2016). I put the first half of my twenties (I’m 25) on a credit card, accrued a lot of student loan debt unnecessarily, and also took on a car payment (that one was a pretty smart investment).
With the amount of debt I have, it will take multiple years to fully pay off everything. I don’t want to go into my thirties with a mountain of debt from my twenties. I want to be able to buy a home, start a family, and move around the country if and when I want to do so.
So in 2019, I’m focusing on my financial situation and making progress toward improving it. [Read more…]