Anything can be accomplished if you take it in small pieces.

My small pieces for January are

• Pay for Spring Semester
• Drink 1 bottle of water every day
• Put the $200 dividend towards the laptop account
• Put the $500 dividend towards the $1,000 savings account
• Wash face every night
• Complete the month caught up on the 365 day bible
• Exercise 3 times a week minimum
• Get my finances organized in quicken.
• Journal at least 2 times a week

I have almost enough in the Missouri Most account to take care of the spring semester so I just need to take a little out of my school savings.  The bottle of water is totally achievable.  I have struggled a lot with what to do with the dividend checks.  For the most part the laptop fund made sense.  I need a good place to get my finances organized and get a lot of my personal stuff off of my work laptop.  I have been reading the finance blogs again and I was inspired when it came to the $1,000 savings.  I need a safety net.  Then I can look at the car.  The bible, journaling and face washing are just self care as is the exercise.  The finances in Quicken is a good first step.  My goal is to figure out where my money went last year so I can better figure out what and where I can save and how much I can afford in a car payment.  Time will tell.

2008

-Pay off amazon credit account – Success!

-have $1000 in emergency savings account – at one point in time this year I had it.

-Reduce debt by $6,000 – not even close

-Stop paying late fees, overdraft & overlimit (for at least 1 month) – I think I managed it once

I need to figure out my debt number exactly but that isn’t for tonight.  I also need to figure out how I am going to save money….I have some ideas I am pondering.