So I've been *trying* to keep the budget on a shoestring due to the big vacation (9 months and counting). This means I've been trying to put EVERY EXTRA cent I have on the Big Kahuna credit card. (very brief history: my credit cards got scary while I was waiting not-so-patiently for YEARS for DH to get full time employment at UPS. I paid off one last year, and now, after this family vacation, will work on paying off the others. CREDIT CARDS ARE EVIL!!) But in the meantime, I'm making extra payments to get the balance down which does a couple things for me:
~motivates me to NOT USE THEM ANYMORE except for when I absolutely have to, because it really feels GOOD to feel like I'm making progress
~makes my "minimum" monthly payment significantly less, so when I DO pay more, more is going to the principal
~helps the whole credit score thing when you're not pushing the limit.
I notice I now get a handful of junk mail weekly trying to encourage me to open new credit card accounts. SAVE YOUR PAPER, PEOPLE. Once I pay off this insane debt I WILL NOT USE THEM EVER, except for emergency situations...car repairs, furnace goes bad, etc.
~also, it's totally a mental thing. Yes, the extra money I'm putting on this card right now will go towards our airfare and the balance owed on the villa, It will KILL me to see the balance go up again like that, so I'm hoping like mad that I can just pay the card OFF so that even after vaca is said & done, it still has a manageable balance on it. I've been living life the max for quite some time. (My BIG PLAN of paying off the cards is getting sidetracked significantly by DH's ex and the whole child support thing, which will fortunately only be another 22 months.)
My point in all this....I have been SQUEEZING the budget really tight to put extra funds towards that balance, and uh, I kind of forgot about an automatic payment that I have come out on the 12th, and DH didn't get his check direct deposited until the 13th. This oversight caused my bank account to be short by about $33, and the charge for NSF these days? $39!!!! Holy crap. I'm so annoyed with myself. That was just dumb, and counter productive.
Oh well. Live & learn.
Gonna go finalize my passport stuff today, as we're down to just 71 days for the mini vaca, and the website claims you should ideally give 10 weeks for the process, though they are right now running at about a 4 week turnaround time. Never had a passport before, and was slightly bummed yesterday to get my photo taken. I try not to freak out about aging, but there is NO DENYING that I am close to 40 and yes, I feel a little sad for my lost youth. I am extremely grateful to have made it this far; not everyone is so lucky. But facing the aging process is....weird. And new for me. I see that picture and think....that's not the me I see in my head. lol.
One positive side to aging: The confidence that comes along with it. I am resigned to the fact that THIS IS ME, and well, frankly, it ain't getting any better from this point on, so I might as well be secure in my own skin.....even if it is getting wrinkly.
Been feeling blase about food this week. Eating OK for the most part, with a few little lapses. Need to get serious here for real: BFF has what I consider to be an ideal body, and is 10 years my junior, so um, yeah. GET IT TOGETHER!