I am going to nail it!

Hell yeah. I am going to nail this son-of-a-debt like a Tasmanian Devil in warmode.
Just made an extra transfer which will get my debt under the magical 10K border.

I guess it's all psychological, but with me picking up my new car recently I finally have got the feeling that I'm getting back on top of things. Freeing up another 100 per month, watching my monthly spending go down and down, makes me feel confident about killing this idiot debt.

I just updated my graph on the right which now looks like the coolest thing ever*. And the beauty in it all is there still is money in my savings account and there still is enough money to get through next month anyway. This feels GREAT! Because, I will be done with this debt by the end of MAY next year!! That's in less than a year!

Possessions taking possession of me

Since a while I'm trying to declutter. And guess what... the more I look around me the less I feel like I really need al this stuff.

It doesn't make me any happier at all, it just stands around keeping me from being able to move in a day if I wanted.

I have got no clue where this thought came from, but I think it has everything to do with me trying to let go of my old patterns and me feeling stuck in life and the never ending circle sleep-eat-work-repeat. I was looking for myself in my mindfulness courses the past two years, and all I can see now is all the little patterns that I set up for myself to feel safe or needed or wanted or whatever. 

It's time to let go of all of my habits and for some reason owning less and less stuff makes perfect sense to me right now.

Speeding up!

I've got a new goal. I started going through my stuff in june and used the obvious rule:
"Haven't used this item for over six months (or didn't even remember I had it): get rid of it!!". This makes space in both my home and my head. And it puts another dent in my debt since I also managed to sell some items on Craigslist. Still not having sold the e-drums bothers me though, since it's quite some value that's just standing around without any equity. Using that value to decrease my debt (and interest) would be nice. But, still hoping I can make someone happy with it one day.

And we call them crazy

I live in the south side of the city. Across the street there's a institution where mildly "mentally ill" kids reside. Today, they are playing outside in the little playground. Looking up from over my laptop I noticed them walking around, riding a trike bicycle,  sitting on a skippy ball, but what mostly hit me was that the seem to just "be". One of them just walks around, wiggles from one foot on the other, walks back to the nurse, wiggles around, and repeats. Another rides the trike while his friend simply follows him, untill he sees something else that interests him and he walks in that direction. Another one just sits on a skippy ball and looks up to the sky.

This is in no way a judgement of those kids! The whole display really, really touched me. And it felt as if I saw my own brain in those kids. My mind wonders around following whatever comes up. My mind wiggles around, to return and wiggle around some more. My mind feels like rolling around on the floor or hobbling a skippy ball too. All together, at once.

The Big Car Hussle

It's going to happen. A 1m89cm guy is going to be driving around in a Dihatsu Cuore soon.
I might have to cut a hole in the roof but hey, it's summer anyway.

Little more cash, little less spending

I am lucky for being employed at a stable employer. Of course, no more need for employment is one of my long term goals (starting with no longer being financial dependent on work but being able to pick the jobs I like for how long I like them), but untill that day comes I can't really complain. If I do my job I'm supposed to do I get a small raise every year, and with our company having a new collective work agreement everyone will get 3,2% more from this day on and another 1% next year february.

This leaves me with the possibility to pay off more of my debt. I am thinking about raising the step up to 600 a month, where this was 500 a month. I think this will hardly be a difference in my current budget / spending, but over the next 18 months I still have to go that will mean I'm done about 3 months earlier.

Be careful what you wish for

Remember my last post, stating "this car will never ever fail on me"? Well. It did.
Not some major issue that got fixed for around 500 euro's. Still hurts, but my emergency fund had no problem fixing that.

Yet ever since I calculated my possible savings by changing cars of quit driving a car completely this has been on my mind. Not like a light breeze but like one hell of a big hammer hitting me in the head every time I blinked my eyes.

By simply switching cars I can save >1K yearly. That means 50K over the next 50 years. That seriously adds up. Even if this new vehicle gives up on me every 5 years that would still be profitable. And as I stated above... even a Volvo can break down.