Perfect Personal Finance
Is there such a thing as perfect personal finance? Obviously, we haven’t been even close to perfect when it comes to personal finance, or else we wouldn’t have gotten ourselves into this mess in the first place. The good news is we realized that and made a plan to get out of debt.
Along with making a budget, we got copies of our credit reports to check them for any errors. We fixed the errors that we found on our reports, asked all of our credit card companies to lower our interest rates, and have continued to stay on top of monitoring our credit ever since. We’ve gathered together more items than I ever thought we would to sell and have continued to cut expenses in every way that we can from making weekly meal plans to carpooling.
Have we reached perfect personal finance? No, but we sure are trying to get as close to it as we can. Do we have nights when I’m just too tired to cook, so we pick something up even though we are trying to not eat out anymore? Sure, we do. Except, we’ve found some new budget Asian places in our neighborhood that charge less than we could buy the ingredients for to make the food myself. It feels like a win win to me.
Are there days that I wish we were more perfect with our personal finances and think how that $12 meal could have been a day in Cambodia? You bet. Do I get down on myself for it? Not really. We may not have perfect personal finances, but we’ve made a huge amount of progress in a short amount of time. Our debt continues to go down, while our credit scores go up. For now, our personal finances are pretty darn good and there’s only room to get better. We are happy with the progress we make towards our dreams becoming a reality every day.
Do you have perfect personal finances? Do you think there’s room for flexibility when it comes to getting out of debt?