Act 19

Go with the flow.

I know it’s a cliche but sometimes, you just have to go with it.

While I may be on an all consuming mission, it doesn’t mean everyone around me is too. And it certainly doesn’t mean my family needs to be sentenced to weekends full of chores, errands and duties.

So today, I went with it. We skied. We visited. We had fun. And now, we’ll chill out. Tomorrow, it’s back to work.

Act 02

Make an appointment with your banker

I made an appointment with my financial institution for a “check up”. Like visits to the doctor or dentist, it’s important to check in with your bank or credit union regularly to ensure you’re getting good service and healthy advice.

Interest rates are at record lows and credit card debt is at record highs. Ironically, it’s much more difficult to access cost effective debt and it adds to the burden on Canadian families while Canadian financial institutions benefit from record profits.

I’ll let you know how I make out.

Act 01

Draft a personal budget

I drafted a personal budget for 2013. An honest one. Nothing fancy. Just a list of my revenue and my expenses so I can see where the money comes in and where the money goes out. I also did the same for my small business. Now I have a more realistic sense of exactly what lies ahead.

as seen on pinterest

as seen on pinterest

Gail Vaz Oxlade of  the television series Till Debt Do Us Part has great resources on her site Debt-Free Forever. Her budget work sheet and get out of debt worksheets were particularly helpful for me.