I’ve found this task – being debt-free – a challenge. I’ve never had to plan my life in a year’s time-frame before, nor even tried seriously.

Living day to day was acceptable when one is young, but never in middle-age. So now that I’m finding myself increasingly anxious to start planning for my future, the more difficult life becomes. Or maybe its because Im now more tuned into how every one of my buck is spent.

Life is finding ways of making me spend more and more. There are lots of must-buys, vacation plans, and occasions to celebrate (and spend for). Arrrgh! Lemme get rid of my debt first, save a lot, and then splurge a little! Thats my mantra for 2008.

Ive paid off two credit cards, the one remaining is my permanent card (need to have one). The balance in the last card is manageable but I wanna see 0 in my bill soon. My bank loan will be finished off in time for my new 4×4 purchase. From one debt into another I know, but this at least will be tangible and not spent on fleeting vacations or worse, dinners that go down in a flush the next day.