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Maybe in April

Been doing some fiscal calculations today in an attempt to estimate when I will have some big bills paid in full. I recommend this to anyone because you should calculate how long it will take to pay off something. Whether your calculated results please you or make you want to slit your wrists, you should do it. The reason for doing it is to get a glimmer of the "light at the end of the tunnel" so to speak. (grin)

If you go through my previous posts here, the last big bill I spoke about was the car. I said I would have it paid off in September '04. I got it paid off a month early in August '04. While that hit my wallet pretty hard, I am very happy not to have that damn car payment. It was worth it, completely.

My next (and last for now) two big bills are the credit card and what I call a "back" bill. Those who know me personally know what that's about. (grin) And no it has nothing to do with my back, or anyone else's back.

I have calculated the time it will take to pay off the credit card and back bill. A very optimistic payoff estimate is April 2005 and the worst-case-scenario estimate is August 2005. So.. the final payoff date will be somewhere between April and August '05. Maybe June. Maybe not. I dunno. All I do know is that the payoff date is several months away (at least six). During this time I may encounter unexpected financial drawbacks. Then again I may not. It's all a big adventure, in't it? (grin)

What I'm hoping I don't do is make any unnecessary purchases. A lot of my friends and people I know have fallen into this trap. The trap is "Hey, I got some money. I know I got bills to pay but I'm going to spend it on something else anyway.. because after all, you only live once."

Yes, you only live once. But that lifespan happens over a period of time. Those who waste what they have now have nothing later. How many times have you known someone who has said "Man, I never should've bought that [insert useless thing here]" at one point or another? Yep, that person bought a useless thing. Usually a useless expensive thing. Now they're stuck with it. Bleah.

Granted, there are times when you have to treat yourself, that much is obvious. You can't go through life always saving. You have to spend. My mother once said "Money is for spending." That is a very true statement. We spend money all the time, and you either spend it on stuff or bills. When spending money on bills, I think one of the greatest feelings in the world is when you get anything paid in full. Every time I get to do that, I smile. It's a great feeling of achievement.

That "Yes I paid my bills" feeling is something I really like. It makes you happy and relieved at the same time. The bigger the bill is, the happier you are when it's paid. For several years (years?!?!!!) now I've been doing the monthly payment thing, over and over and over, for the same things. The car was one. The credit card is another. The back bill is the third. One's down, two more to go.

After I get those last two paid (and I will), the only question will be... do I get a house? I dunno, after going back to zero do I really want to get stuck with a 20-year mortgage payment? Tough decision, truly. Guess I'll cross that bridge when I come to it.

041103

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