Chippin Away

My financial journey to freedom is going to take a while. Not as long as some, but a lot longer than it should. It’s been a struggle for a while, and a paycheck-to-paycheck struggle probably for 2 years now.

This new job brings a lot of financial hope, especially if I can get my financial habits straightened up, and especially now that the initial 6 months have passed. There were a few-expensive!-things that had to happen, financially, when I was first hired that could not be avoided, from paying for COBRA to the “damage control” of paying off other credit cards, among other (sometimes irresponsible) things, and then towards the fall I was suddenly feeling ready to attack with gusto.

Except…I couldn’t. Some of those aforementioned expenses caused roadblocks… You can’t exactly skip paying the car insurance when you need a car to get to work. So I developed a system that worked for me.

When I was first preparing for the journey to financial freedom, before I was ready to speak the words aloud, I would journal about it. And one thing I would consistently do would journal about “Chipping Away” at my debt, an image of Chip from Beauty and the Beast grinning at me in my head. It’s a great image to have, really. He’s a happy little teacup, a little grin on his face, encouraging you to keep on going!

I used to sell planner pages on Etsy and when I did, I would occasionally get small amounts of money deposited into my bank account if someone used Etsy Checkout. When that happened I would turn around and take that couple of dollars and apply it as an extra payment towards my credit card that had a balance but I wasn’t using (I have another card automatic payments go on, such as my trainer, mail order prescriptions, etc.). I would “Chip Away” at my debt. It didn’t matter how little it was, what mattered was the card total was going down.

So I decided that Chip is going to my little mascot during this journey. It doesn’t matter how long it takes me, it doesn’t matter how rough it’s going to be. As long as I keep chippin’ away at it, I’m going to consider it progress! I just kind of use the mantra “Keep Chippin’ Away!” A little bit adds up over the long haul and I’m going to rely on that little bit to help propel me forward during the difficult times when I feel like the momentum has to stall temporarily. So I can’t put a bit chunk down on my debt? Here’s $25. Here’s $10. Here’s something to keep it going, to keep the amount going down and to keep chippin’ away!

What do you tell yourself to keep going?

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