Debt Reduction 101

Let me wax nostalgically for a second here … first and foremost, I’ve been getting a glimpse of what it will be like to be debt free through Sadie Morris’s blog, which you can find here. But as I inch closer to my goal, I find myself frequently dreaming about what life is going to be like once I am done paying off my credit card debt.

Frankly, once that’s done – I’ll start trying to pay off my car, but that’s not as romantic as the other visions that run rampant through my head:

- Sleeping in on a Saturday morning. Until 8 a.m. Getting up and hanging around in my pajamas, watching Food Network and drinking coffee with my cat and my husband. Not that the Cat drinks coffee. He prefers milk from my cereal bowl – gross, I know.
- Being able to go to the Garden Center at my local hardware depot/superstore/whatever and being able to invest in various perennials and gadgets like shepherd’s hooks without worrying that buying a German Ivy is digging into what I can be paying off in debt. Because it does …
- Cutting back on my work load in general. I’m still on the fence whether I’m going to quit my part time job once I’m done paying off my credit card bills. Because it’s nice to have weekends off, but it would be nice to work a couple weekends a month and throw that money into savings or towards home improvement repairs.

Once this is all done, will I have more time to work on my novel? Will I be less stressed out in general? I don’t know what the answers are, but I know that I can’t wait for this book to be put back up on a high shelf.