destroy my debt

One overdraft has been paid off, income is flowing in nicely, no massively extravagant purchases have been made recently, and I’ve even managed to save a bit.

Ha. Take that, financial ruin.

Enough of this financial ruin! I am sick of being constantly on the verge of brokeness, getting sweaty palms every time I swipe my card in case it declines…

• Budget (cannot be too oppressive, however, otherwise I know I will not stick to it)
• Track my spending for a whole month and figure out where my money is going (January will be a good time to do this)
• Open a separate account (in addition to regular cheque and savings) for indulgent purchases so that I don’t end up bleeding other accounts dry and can reward myself with said indulgent purchases for good work in other areas of life

I am currently $2000ish in debt. I will be receiving a $4000 scholarship mid-March. Of that, $1000 will go toward paying off debt with one bank so that I can close my account with them. The rest will be put into my other savings account until I decide what should be done with it.