Archive for December 5th, 2013

Fiscal reflection for 2013 and projections for 2014

So it’s the beginning of December 2013, and I spent a couple of hours staring at my finances. I’m going to quit soon, because honestly, some things just aren’t going to change the more I stare at it, so I might as well quit now.

Currently, I have $18592.76 in credit card debt.

The saving grace is that I also have 45,812.54 in my ROTH IRA.

Goals for next year:

Stay within budget. I might have to resort to writing down, every single day, how much money I have left to spend in my budget on my hand and stare at it every. single. time I want to buy something that isn’t related to the bare necessities of life.

I want to pay off that debt aggressively. I’m currently budgeting $600 a month toward debt repayment. I wanted to do $1k, but that is simply not reasonable if I also wish to fully fund my IRA at the same time.

I’m going to have to scrounge up the money to finance ┬ámy self-publishing journey and actually do it next year. My ambition is to have the first novel fully edited and ready for self-publishing in Feb. 2014. The second novel will hopefully be ready by April 2014. Hopefully this will eventually bring in more money rather than simply being a time and money sink.

Find a second job, or three, or four — whatever it takes to bring in the bacon and fry it.

As I’ve said before regarding other things, I’m sick and tired of being sick and tired.

It’s time to stop running and face the zombies.