Sunday, January 28, 2018

"My Debt Exchange Program"








         Opening an old spiral in search of blank paper, I stumbled upon budgetary goals from several years ago. Column after column of monthly earning and spending that optimistically dwindled my debt on multiple cards while it built a savings buffer for taxes and unforeseen catastrophes.
         I chuckled to realize that my current debts and assets reads almost exactly the same as where I stood two years ago.
         Have I remained still? When analyzing the red, I noted that my final BALANCE DUE hadn’t nudged at all!
         I’d get discouraged if I didn’t applaud the achievements of my budgeting. Although it appears I’m running in place, in reality I’ve used paid down debt to repair, renovate and replace.
         All of those tallied columns and hopeful projections remind me of the importance of planning. My two steps forward, one step back approach to life would probably frustrate most people, but I can appreciate my accounting accomplishments.

Copyright 2018 Elizabeth Abrams Chapman