I’m doing math again, but in a happy fun way. I just did all of the budgeting and planning, and estimated everything very conservatively. After I checked, re-checked, and re-re-checked the numbers, I couldn’t be anything but shocked, and excited, and disbelieving. So I checked the numbers again. And now I’m convinced that I did the math right, and it’s not too good to be true.
It looks like I’ll be able to pay off FIVE accounts by the middle of April. Only slightly depending on this is the result of our tax return this year, but even if it comes in way less than we’re anticipating, we’ll still be able to pay off FIVE accounts. Only two of those FIVE accounts have a current balance of under $3000. Once those FIVE accounts are paid off, we will have a grand total of ONE account of unsecured debt that we will have left to pay off. Because all of those aforementioned FIVE accounts will be CLOSED after being paid off, thereby preventing us from racking them up again.
Man, it has been a long, hard road toward solvency. But we’ve managed to not ADD to our debt, pay a bit more than the minimums every month, save judiciously, and are benefited by the AcronymCo thrice-yearly bonus system. Plus a rad tax guy that makes good with the deductions. MAN, this will all be such a load off my shoulders, you have no idea. Well, yeah, probably you DO have an idea. Our circumstances are hardly unique in this day and age.
Bill’s gonna read this and instantly think, “Woo! New motorcycle!” I guar-an-tee.
What this all means is that I’ll be able to go into my sabbatical in a VERY relaxed frame of mind. I’ll have time enough to save up the funds needed for our vacation to Maine without adding anything to the credit card. I’ll only have to concentrate on writing and photography gigs for two months (maybe a little longer – I’m playing with the idea of tacking a week of vacation onto the sabbatical). We’ll be in terrific form going into August for Moto GP. Things, knock wood, are looking very up for 2010.
Bill’s gonna read this and instantly think, “Great, you just jinxed it!” I guar-an-tee.
Productive: Tonight’s cleaning project – the bathroom. I cleaned the bedroom yesterday! The cleaning kick continues apace. What the hell is going on with me, lately? I’ve secretly been replaced with Folger’s Crystals!
Plan: T-bones for supper tonight, preceded by a bout on the elliptical and smacking myself in the head with free weights.