Reality Check

Ok, so the Real Housewives of pretty much anything is one my guilty pleasures. I know, I know - kinda like Flavor of Love...I'm embarrassed to admit that I watch it but I can't seem to let it go. So anyway, the new season of RHO New Jersey started this week. Talk about a train wreck! Ugh, but in the midst of it all they still manage to maintain these lavish homes and lifestyles and I can't for the life of me figure out how they do it! Now granted I realize that someone on each on of the various seasons inevitably ends up bankrupt or in foreclosure or something similar but they have to have risen to the top somehow to fall so hard, right?

It left me thinking (yes, again) about me and what I need to do. I'm an intelligent person...I'm driven...ambitious. Even though this is all true, I sometimes feel like I sit around just waiting for things to happen and I've got to get myself out of that mindset. So I'm devised a plan...Pinky and the Brain style...to get me to where I think would make me happy.

First mission is to get myself to a place where I'm financially happy. Most people would look at my age and salary and say that I was doing pretty well for myself but I could be managing my money a little better. I'm so proud to say that I've put myself on a savings plan that is working well for me. I really enjoy being able to say that I actually have a savings b/c I uh...ah hem...didn't before. (Sad, I know).

So in addition to the savings, I need to pay down a little of my debt. There isn't much and I'm sure I can pay it down if I'm disciplined enough so I'm going to try a few things until I get it where I need to be. My latest endeavor is the AMEX green card (charge card). My plan is to use the card for most things, earn points and pay it off each month, which paying down the other debt. I think it's motivation because unlike a revolving card, I know I have to pay it down each month. Let's pray it works. Tithing is also a work in progress for me...definitely getting there.

There was a time when I was doing really well with E-Lance bids and projects. The plan is to get back into that, which would help in paying down my debt while also helping me to get toward my goal of owning my own business/consulting firm.

Wow seeing this all written out actually sounds like a real, feasible plan. Am I finally making some headway? We shall see...