Three Things I’m Doing to Be #DebtFreeby2017

Money rules everything around me. Okay, not everything, but a lot. I’m tired of feeling controlled by my finances. I got places to visit, things to do, and clothes to fill my closet, all without the shackle that is debt. So here are three things I’m doing to be #DebtFreeby2017:

  1. Increase the monthly payment for both my student loans and credit card. This will require a lot of sacrifice on the rest of my budget. Just the thought of a life without Starbucks every morning* makes me cry a little. Goodbye frivolous expenses!
  2. Hide my credit cards. Some people are fantastic at being reasonable, logically human beings. I am not. I’m a typical millennial who’s fixated on instant gratification. I wanted a [ridiculously expensive] bike last summer SO I BOUGHT A MUTHAFRIGGIN’ BIKE. I even opened a new store credit card for it. Thankfully, the looming 30% interest after a year scared me into paying it off in five months. But I digress, I’m seriously irresponsible with a credit card in hand. So I hid mine. Outta sight, outta mind, right?
  3. Unsubscribe from retail emails. Marketing people are great at their jobs. I’d like to meet the person who comes up with subject lines for Ann Taylor & LOFT’s subscription emails. They are seriously excelling at life. I can’t count how many times I’ve made a purchase because my email informed me there was a sale going on. Getting rid of these soul-sucking rodents that ruin my credit score is bound to help me in the long run.

So there you have it. A resolution goal for the new year. I’m saying goal because so many people get up in arms about the whole “New Year, new me!” mindset. SHEESH, PEOPLE. Why don’t you mind your own damn business and let others live?!

* I’m typing this as I sip my grande soy peppermint white chocolate mocha. Jeez, I suck.

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