Debt repayment has come back on track after a very spendy summer. Its true what they say about debt fatigue creeping in when you carry debt for a long period of time, and Jay in particular has struggled with the strict budget and feeling limited. Our overspending for three months has meant that our repayment schedule is behind. In order to be debt-free by the end of the year as planned, we'd have to bring our budget even lower and I fear we'd rebel against the constraint. Instead, we've decided to change our repayment tactics. Rather than have everything set to auto-pay, we are keeping a small auto-transfer on payday into our spending account to cover the basics (groceries, gas, weekend entertainment) and putting $1000 to the debt that day. The remaining money in the account goes to bills of course, and we will discuss any extras that come up over the subsequent two weeks. The idea will be to spend very little on extras, but allow ourselves some leeway for things like my birthday dinner, a drink with friends, etc. What's left in that account the eve of next payday will also go to the debt.
Our garden was a total bust this year. I've heard that from many green-thumbed friends this season so I know its not just us, but our harvest was miniscule. We've learned many lessons over the three summers we've been in this house and we're planning on changing the layout and structure of the garden next year. I'll also be taking on more of the gardening responsibility not only because my part-time work schedule makes it sensible for me to do so, but also because I'm the primary meal-planner and cook.
I'm really trying to be intentional about my priorities. When I write about what's important to me, its very clear: I want to have time each day with my family, time to exercise, time to create, time to meditate, time to write and time to read. Too often, I end up binge-watching Netflix and/or mindlessly surfing the web (
sometimes often at the same time, while drinking wine). Ensuring that my daily activities reflect my intentions is going to be at the front of my mind over the coming months.
I'm running in a 5K race this weekend and somehow committed to running the half-marathon with friends at the same race next fall. I'm very excited for drinks and dinner with friends as well as some time in the city, a full nights sleep in a hotel and of course, the race!