Does it ever seem like every time you get a little extra money that you never get to use it for what you planned? I’m trying to pay off debt and I have been trying to get overtime and find extra things to do to earn some cash, right? So last Friday I get the opportunity to be in a “Focus Group” – this is a way that companies get people’s opinions on things. $85 for one hour…how cool is that? That’s some sweet, easy cash. So I’m thinking I’ll put that money towards the credit card so I can get out of debt faster. Sounds like a plan, huh? Well, it turned out I needed a toner cartridge for my printer – with tax it cost me $82.84. How is that for irony? I made $85 and spent almost $83 on a necessity. It wasn’t fun and it didn’t get me closer to being out of debt.
…or did it? After all, that money could have been spent out of my regular monthly income, and it wasn’t something I had budgeted for. So in essence, it would have SLOWED ME DOWN from getting out of debt if I hadn’t taken the gig.
So what’s the point? The point is that I have a budget. I have a goal. I worked for extra money thinking I would get out of debt faster…and the reality is that even though the money didn’t get applied directly to debt, it didn’t cost me anything and I got what I needed – something I had not planned for. And I just keep moving along.
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