Debt Payoff Plans Need to be Livable
There’s really not a lot to talk about right now. We’re chugging along on our plans to pay off debt as quickly as possible, but we aren’t sacrificing everything to do it. It’s like a diet. You have to change the way you think and live, not just cut out everything that might keep you from losing weight. Our debt payoff plan is livable and ongoing, and it’s easier to stick to simply because we are still able to splurge and buy things we want.
For example, my husband has been working a lot of overtime lately. We could have taken all that extra money and paid it toward our debts to get out of debt a few months earlier. Instead, we chose to spend some of it. He bought me a gift (a Nook from Barnes & Noble) and signed us up for the state handgun safety class so we could apply for our carry permits this year.
I’m not sure I’m quite ready to carry a gun around with me :), but he wants us to have our permits so we at least have the option.
We’ve gone out to eat a few more times than usual lately, and we’ve bought a few more things for the house.
I’m only spending what we have, not banking on future overtime. I don’t plan to get in the habit of overspending.
The thing is, the overtime has given us something to enjoy without impacting our debt payoff plans at all.
It really can be hard to decide what to do with extra money you come into. Sometimes, you just need to stick to your existing plan and treat the extra money as your chance to relax.
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