I don’t know if I’d said it before but to be as young as I am I have a terrible memory! Don’t get me wrong I don’t think I’m still 18 & fresh out of high school but at 26 I do feel like I should have a much better memory than I currently do. Maybe I should start playing my Brain Age game on the Wii more or something of that nature to get my mind really working every day. Who knows? I just know that it scares me to think of how terrible my memory will be at 40 if it’s already this bad.
Point being, I forgot to mention another resolution in my last post – the money/debt reduction resolution. Every one loves to talk about money, right? Yeah me neither unless it’s a certified way to make more :) Anyway – I had looked into a credit consolidation program because quite honestly I was just in way over my head. I had too many cards, too much money on them & way too high interest rates to ever get anywhere on my own. While I know it will negatively affect my credit score for a while, once they’re paid off I can start working my way back up & with much fewer credit cards which means less debt to still be paid off. Another great thing is all the cards I filed on will be paid off in 4 years. There’s no way I could have done that on my own, not to mention this program lowers my interest rates INSANELY. Which is another bonus. I hate that it came to that point but if I ever wanted to get out of debt fairly decently & be done with it – this program was the answer. & after figuring out how much money it would save me in the long run, it was well worth the temporary negative impact to my credit score. I understand this isn’t for everyone & some people would scold me for even doing it, but to each their own & I saw more power to you for whatever works for you.
On an even better note – the weather this weekend was absolutely beautiful! I was able to let the pups out & run out some of that pent-up energy! It was funny to watch them too – they make me laugh when they run & get all wild. The boyfriend & I also straightened up the back porch some & swept it off which made it look a lot roomier & much better. It’s crazy how much just dust/dirt/dog hair can make a porch look so dirty. The boyfriend also raked up some leaves in the yard so it looks a lot nicer out back & we discussed some plans for the yard once the weather gets warmer. I can’t wait to get an out building & then really overhaul my totes & inside the house for better storage! I’m ready to dive into the work on the house I should’ve started long ago when I first moved in. This is definitely going to be a great year!