You know that moment when you feel like you’ve experienced déjà vu and are living the same thing over and over again; yep that’s consumerism. Forcing a round peg into the square peg of consumerism is no longer working; I attribute it to a new level of maturity/growth that I have reached. It’s called I have banged my head one too many times and finally felt like waking up. As many of you who read this blog can attest, I have tried and failed many times to beat the last little demon that has kept me chained to consumerism – fashion. Fashion is the biggest machine out there and of course has the biggest hold over me.
As we have all communally come to realize, that gaping hole I am trying to fill is being filled with the wrong thing. The last time I picked up my professional camera was a long time ago, and the last time I’ve played either the violin or piano was at least a year ago, well except for me taking it out and tuning it last night, which further solidified this new growth streak.
I have fallen asleep in a field of marigolds and there are ladybugs crawling all over me. In a good way of course 🙂 Not in a creepy, zombie ladybug going to infect you and make you dead type of way. By the way, why has no one written that zombie story? Zombie ladybugs! Hmm…I have drunk too much of the Kool aid or possibly I am just giddy with excitement to achieve some more realistic goals.
What are these SMART-er goals?
I will not get into what SMART goals are because the term is about as overused as debt snowball. They are goals and ones that are measurable, end of story. Apparently, you are more likely to achieve a goal when they are very detailed – who knew? I did of course; I just have a stubborn, rebellious nature that does not always like to follow rules. Professional troublemaker, remember? 🙂
These goals will also answer the question as to why my debt tracker on my sidebar has not moved.
Goal 1 – I will pay CC #1 a minimum of $500 per month for the next 3 months to pay off $2021.26 credit card debt by December 31st 2014.
Goal 2 – I will pay CC #2 a minimum of $700 per month for 6 months starting January 2015 to pay off $4416 credit card debt by April 2015. For the next 3 months, until December 2014, I will pay as much as I can without railroading goal 1.
Goal 3 – Once card #1 and #2 are paid, I will pay a minimum of $800 per month to my revolving line of credit (higher interest) to pay off $5844 debt by December 2015.
Goal 4 – I will save $3000GBP by September 2015 to take on my UK vacation.
Goal 5 – I will lose 10 pounds over the next 5 weeks by restricting my diet to a vegetarian one, meaning no dairy, sugars, excess caffeine or meats. I will exercise every day for a minimum of 45 minutes cardio and 20 minutes weight training.
Goal 6 – I will revisit all of these goals in January 2015 and then again in April 2015 to track progress.
Goal 7 – I will achieve a net worth of $100K by December 2016. I want to be a premier client (I have a bank in mind) that pays no fees EVER, owns international currencies and has a dedicated financial advisor.
Goal 8 – I will blog about progress on each of these goals a minimum of once per month.
What do you think? Now that you know I have incurred some additional debt, I permit you to whack me with the stupid stick (figuratively :)) at least once then carry on with your day. Many of you have been extremely honest with me about why my finances are in this state and why I do the things I do and I thank you all. I needed it. It’s quite easy to carry on like a worker ant and be trapped again in the life you were trying to get out of because you’re surrounded by the other consumerism zombies all day. I’ve realized that the job I have has put me in the direction of consumerism, it has me fighting my values and beliefs on a daily basis and it needs to be fixed ASAP.
How many goals do you have on the go at a time? Do you plan them out like having your own goals map?
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