Pierre CullifordGetting to the elusive debt-free mark was supposed to free up all kinds of money, wasn’t it?

So far, I’m finding that it hasn’t.

Okay, more accurately, it doesn’t feel like it’s freed up anything.

My checking account is still hovering where it’s always hovered.

My savings, well, sure, it’s growing, but not at nearly the rate my debts were falling just a few months ago.

It feels… slow.

One this is for sure, I’m certainly not getting rich like I thought I might…

Seems each month has some unexpected expense come along.

My auto registration was due this month. Last month, I had to pay a huge internet hosting fee. I’ve got that homeowners insurance premium looming. And let’s not forget the bill that is sure to come from the landscape company picking up my leaves

I know, I know, everybody says that.

Unexpected expenses will always be around the corner and should be expected…

I know that.

None of these were unexpected. They’re nothing new, but in the past they never seemed to hold me back any. Just throw them on the credit card and continue to plug away paying down the debt. Simple as that.

Now, though, when I see my credit card balance swell to over $400, it’s like a crushing blow to my month-to-month plan (which I have yet to detail on the site.)

It shouldn’t bother me, really, it shouldn’t.

Back on this date last year, my credit card balances totalled over $15k. This morning, they top out at $103.

But you know what?

Ridiculous as it may seem, it does bother me.

I’ll get over it… I should, anyway…


  1. Hey…I can’t remember whose blog I read it on recently, but they detailed a way to plan for those expenses we pay once a year and tend to forget about. I’m sure they got it from one of the popular PF books out there, but still…

    I have a lot of things that come due once a year. I like it that way – there’s usual a significant savings over paying it monthly…renter’s insurance, gym membership, whole life policy. The idea is that you add them up, divide by 12, and sock away that money every month. Since you just finished paying off your pile o’ debt, it might take you a couple of months to get up to speed with this, consider making it a 2009 finance goal. You have come soooo far!!!

  2. Yeah, I like yearly payments too. Pay ’em and be done — not even using the divide by 12 savings method. That’s exactly what the HUGE hosting fee was. It comes around every October…

    For a few years on end now, my electric and natural gas bills have totalled right around $1600/year each.

    I wish I could just send them a payment of $1600 in Jaunary and just be done with them for the year, but every time I’ve looked into doing that sort of thing, it seems as if they’d apply the “extra” payment towards one of those “Operation Fuel” charities or something… Grrrr…

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