The first seven bogeys out of seven months on my virtual debt reduction course made me feel a bit queazy. The only way out was to keep playing and keep improving until I got it right. This month is my 4th par in a row meaning I have a shot at finishing the 36-month game very close to my initial target. As I review my performance for the first eleven months, one pattern emerges. It really comes down to the minor adjustments. It's amazing how close we can get to our goals when we stay in the game long enough to develop winning habits.
I'm learning how to be a winner at financial freedom by eliminating anything causing me to hook or slice, such as cutting out costly cable bills, reducing unnecessary add-ons on recurring bills, and concentrating on more home-cooked meals. I created a second direct deposit account specifically set up to make additional mortgage payments and this money is hidden from our regular budget. Keeping this account stealth prevents me from the daily temptations that detract from my debt reduction goals. There are 25 months to go and I'm going to keep chipping, driving, putting or doing whatever is necessary to finish this game on par. Have a great day.
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