Getting out of debt is boring
There, I said it. I have hit a plateau. Seriously, getting out of debt and losing weight run on parallel lines, and the plateau is no different.
I keep making progress, great progress, and I can see the light at the end of the tunnel, but I’m past the psychological tricks. I’ve automated everything. Each credit card I apply for is one where I set it up to pay full balance each month. I have automated my student loan payments to come out at such a rate that my creditor (ACS) keeps sending me notices saying that I’ve paid too much.
I’m in a place that, if I so choose, I could stop paying my loan until June 2013 and not be charged any penalties.
So I’m through with quick wins (like cutting out sugar and going for walks). I’m through with credit card debt, forever. And while that feels good, it just isn’t sexy.
Just like losing weight, when I told people I was out of credit card debt, they were excited (in the same way that people who haven’t seen you in a long time tell you how good you look). But now? I just have these two stupid “good” debts, and I only get paid every month, so I can’t do mid-month income dumps.
The spreadsheet is doing what it is supposed to, but you guys? This is boring.
What isn’t boring is how I feel now that I have more flexibility in my budget. Two of my cousins are coming to visit in July and instead of worrying about losing out on income that week, I’m planning to take them to the beach!
On Get Rich Slowly, someone talked about having a Super Frugal Month. That’s kind of exciting. Maybe I’ll do that in June. But the day-to-day is yawn-inducing.
How do you find focus? How do you keep from getting bored?