Nothing but Crows (kaleekolai) wrote,
Nothing but Crows

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Two more changes on the wind

I've been thinking today of a couple more changes that I want to make in my life. The first one is fairly minor; I want to stop biting my nails. I tend not to actually bite them off but I put them in my mouth quite a bit and it weakens them.

The other thing I want to work on is reducing the amount of debt that I have. This is going to be a really difficult thing for me because I tend to be pretty easy-going with my money... I make sure I have the bills paid and then I spend to my heart's content. I don't ever pay my credit cards down though. I make the minimum payment and then max them out again. Since moving back to Toronto, my debt has increased significantly and I've really felt the weight of it. There is no reason why I shouldn't be able to start chipping away at it and getting it down. I need to start exercising more control over my spending. I know that I'm doing better than I did before I moved up North because I'm not broke by the end of the first weekend after payday. I usually have a little bit of extra cash in my savings account by the end of the week now but I'll tend to spend it on Thursday, knowing that I'll be getting paid on Friday. The trick will be to start paying down the credit cards instead of spending that little bit of money. I also want to save up enough money to move into my own apartment in the spring/summer. Since I want something decent, I'm going to have to make sure I put away a good chunk of money so that I can afford first and last month's rent. I've been looking at what's available out there and I know that I'm not going to have a problem finding something I like but I will need money in order to move. There's no way that I can stay too long in a place that doesn't allow me to have visitors over. As it stands, I'm so paranoid about upsetting someone that I'm not even comfortable leaving my room very often. It doesn't help that the rest of the house (hallway, kitchen, bathroom) are really cold either. I always knew that it was temporary, I guess I just didn't realize how quickly it would wear on me.
Tags: apt, changes, debt, money, nail biting

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