Goodbye, January! Hello, February!

Where has the month gone? So slow at times, and yet so quickly gone, we’re already rolling into the second month of 2017.

My challenge for the month of February is financial related. No, no, you didn’t miss a January challenge (although I have had sort of a writing challenge I haven’t blogged about, but I’ll make sure to get a blog about it in this month because I’m going to continue with it through February) but I HAVE decided to jump on the no-spend bandwagon. There is no specific group I’m joining, no specific challenge or group of women I’m doing it with, but I have voiced it aloud to my local support system (aka the lovely thelittlehouseoutback) and it is this:

February is No Spend Month!

I have stamped it all over my planner so it’s official! It’s a Crack Down. I have failed every one I have done so far so I am going to take a deep breath, take it week by week (and day by day if I need to) and just focus on the goal. There are bigger things ahead, I just have to keep my eye on the prize (which, ultimately, is being out of debt, and the more I do not spend the faster I will get there)!

Now, that being said, we do have a lovely “Good Job!” at the end(ish?) of this: at the end of March an out of town scrapbook store is hosting a scrapbook garage sale and we (my mother, sister and I) signed up to go shopping at that months ago. We went to it last year and went hog wild and let me tell you–hog wild still did not cost near as much as I thought it would, and it’s totally happening but I’ll be budgeting for hog wild this time. And the more I do not spend, the less I will feel guilty for going hog wild at the end of March (and the more I will have saved up for that because I have been looking forward to that since September).

So that is my big challenge to face in February: no spend month! EEK! I am so nervous about it, but I think I can do it because I feel more prepared than ever–I am so determined to see this debt go down, so determined to see a positive difference in my financial situation, and more than anything, I am so determined to keep feeling determined.

Like I have said before, facing that $1,000 Baby Step One has been a bit disappointing for me. It has made me feel like I reached a standstill because all of that could have been thrown onto Credit Card #3, and whoa, what a difference that would make! So I have to get back into my “Chip” mindset and just start doing my little bit at a time thing again when I can, and just keep pushing forward! Every little bit counts, every little bit moves me closer towards the goal of being debt free. It’s so daunting thinking of the whole overall picture, I need to go back towards thinking of just one or two steps at a time. I can’t think of the entire forest, I must look at just a couple of trees!

So my current goal is February No Spend so I can get back in the mindset of Chippin’ Away!

What are your February Goals? Are you planning on filling any Jars?

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