Random Babblings

I’ve realised that it’s been a while since I’ve talked about me.  I write about the books I read, the movies I see, and the games I play, but not about the person behind those actions.

One of the reasons behind it is that noting seems that interesting anymore.  I work my 40 hours a week, I try and relax with some tv, reading, etc at home.  I am back at Tae Kwon Do after about 5 months off due to money problems.

Money, the root of all evil.  Or so they say.  Depending on who you ask, it’s the leading cause of divorce.  I know it’s sparked our fair share of “debate” at Casa de Viluppo.  I’ve been doing a lot of “soul-searching” when it comes to finances and debit recently.  I’ve decided to try and dig myself out of the small depression I seem to be in.

Late last year I started reading a blog about personal finance.  There were definately things there that I needed to work on.  With close to $9000 in credit card debit I needed to start filling in the hole.  I took two of the suggestions to heart and tried to start implementing them, Emergency Funding and Debit Snowballing.

As of now I’ve managed to get close to $400 in the emergency fund, and this month I’ll pay off the first of 6 credit cards.  Lisa and I have sat down with the budget a few times and we’re working on ways to curb all the “excess” spending.  We’re also working on trying to reduce the regular expenses as much as possible.  The credit card debit isn’t just going to disapear soon.  Even with the way I’m paying it down it’ll take a few years unless I can accelerate the process.

For other things, I’m trying not to stress as much over the past.  On the finances that could make me miserable, looking at how much there is to pay back.  In life it could be even worse.  I’m trying to take the look of “the past is done, move on and plan the future”.   Other people have expressed that to me in other ways, but hopefully I’ll be able to stick to it.