Many of my posts have been more short stories than updates on my finances lately. Allow me to apologize. Though, I have a really good reason!
I’m not in debt. I paid off my last debt (my car) in December 2008.
I spend significantly less than I make every month.
My 401K is rising consistently. I’m right on track to max out this year. Is it hard? Yeah! That’s a huge chunk of change every MONTH that I’m not getting (albeit my taxes are much lower). Do I want to go blow all that on clothes and dining out every month? Yes! But I don’t. Gotta keep your eyes on the prize…
Another nifty thing I do is caculate my federal & state taxes down to within a couple dollars for the year so my tax returns (or payments) are very small. I try to keep the amount I will owe or pay to less than $30. Yes, I’m one of those people that does not believe you shouldn’t give free loans to the government (which is what you’re doing when your tax returns are outrageous).
There you have it! I’m not struggling too much with anything. I’m just at a very peaceful, calm state with my finances.
It feels great. 🙂