Intermittent Goals

I can’t think of a better name for goals you make in the middle of the year.

Recently, the thought occurred to me I likely meet so few of my goals because I overwhelm myself with them or get stupidly excited. Hence why I skated only once since buying skates for myself. That, and skate rinks have really weird hours.

I want to try setting some not-so-pressured goals for myself and see where that goes. Since this blog needs activity anyway, why not here?

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Too Much Credit

Me in 2018: How do people get in over their heads with credit card debt?

Once again, I need to stop talking! Then again, this blog is quiet as of late, so I suppose I have.

Constant advice I received about credit cards is “use it like a debit card”. Four years later, I’m paying off $10,000 worth of credit card debt. Why I took advice from the internet is beyond me.

When I wrote that article in 2018, my total limit between cards amounted to $2,700. One card had its limit decreased, but my total credit limit is now $9,810. My score currently sits at 620. One of my relatives with dozens of late payments has a higher score than me!

This year, I paid off two of my four student loans, and two of my credit accounts, although I’m paying one off again because I used it when my car broke down. Thankfully, I learned to budget like a maniac, and so long as nothing urgent happens again, I can get that balance paid off in two weeks.

My real debit card gets much more use these days, so much so that the chip is wearing down and it’ll likely need to be replaced before its expiration date in four years. I plan to keep my credit cards for emergencies only. A response I’ve gotten is I’m missing out on “tons of rewards”. Ignoring only two of my cards offer anything, and cashback turned out to be dreadfully disappointing, pursuing “rewards” is how I got myself into so much debt. Now, my reward is getting rid of it.

27 On The 27th

Today, I turn 27 on April 27th. It’s not really a happy birthday because lockdown and all, but I have the day off work and that’s always nice. I’ve read when your age matches the date, it’s called a “golden birthday” or “royal birthday”. Cute, but nothing special to do today.

Still, I love my birthday. As unoriginal as it may be, it is mine. Millions of other people’s too, but I’m one of them.

“What Do You Want To Be When You Grow Up?”

At seven years old: A veterinarian! (Yes, I could really pronounce that as a small kid.)

At sixteen years old: An artist.

At nineteen years old: An animator.

At twenty years old: A paid blogger?

At twenty-one years old: A livestream gamer?

At twenty-six years old: I have no idea.

My 27th birthday arrives this year. Is it too late?

2020 Resolutions

I stopped making resolutions long ago. Mostly because I don’t keep them, or I do keep them and regret it. My only resolution this year is to have a good year, and that’s probably too much to ask.

That said, some good things have already happened within the first four days of the new year. My job transfer request was approved, so I will have a full-time job again. My boyfriend and I were able to leave all the fighting in 2019, and I mean that almost literally since we made up on New Year’s Eve. I now have a counter for the number of days we go without fighting. Finally, I paid off one of my credit cards in full. I got hit with interest charges on the day of the last payment, but I had enough to cover that, so the balance will be zero. I plan to work on my debt this year, going from smallest balance to highest. Apparently, there’s a name for that. It’s called the snowball technique. I don’t care what it’s called. It’s simply how I want to do it.

It is hard to believe a whole decade is over. The start of the decade and the end of it were the worst years of my life. The new 20s are off to a good start for me, so perhaps they’ll have a good end. Of course, I can’t imagine that far ahead.

I considered doing a “one post a day” challenge, similar to “post a week” I did years ago, but quality matters more than quantity. Of course, the jury is out on whether this blog has any quality since it’s ultimately a journal of my life.

2019 really was a wild year, and I hope 2020 proves to be much calmer. I’m not a “wild child”. I want to relax. No school and no customers to deal with should make that less difficult.