This morning it kicked me in face. I haven't been thinking about my 2008 goals. Well thats not really true I think about that sort of thing all the time. I guess I just haven't noticed how fast this year has gone by. It's the end of August already and it appears I will only be able to complete one of two goals.
My two biggest goals for 2008 were to:
A) Start my retirement savings
B) Pay off my student loan debt
I just cannot afford to do both on this wage. This year has been so rocky financially. It's got me already worried about saving enough for Australia, retirement and other things next year. I feel pretty behind and I need to take action quick!
I really wanted to get a secured credit card in the next few months because you have to have it one full year before they return your deposit and viola you have a credit card again. The reason this is important to me is I want to have it for an emergency during our year long trip. Not as back up money but in case I need to book a flight or something that requires the use of a CC. I just don't have the $500 to do it right now.
I have 4 months left until the end of the year. I'm not going to be able to pay off my debt by the time of my birthday in October but I'm still hoping to finish it off by the end of the year!! So its going to be about $500 a month. Wow, its going to be more than a squeeze on my income. I think I'm not going to have an option regarding looking for a new job and maybe possibly a second job for a few shifts a week. :(