Early ups and downs

One of the things that I’ve really liked about reading around the personal finance blogosphere is how committed people are to reaching their goals — and how open they are about how hard it is to keep it moving on a day to day basis. I’ve only been at this blog for a week, and only had my big “must have a retirement fund now” moment a couple weeks before that, and yet already I can see this pattern.

Objectively I’m not in a terrible spot right now; the guy in his late 50s whose retirement savings are wiped out after a year of unemployment (just featured in the NY Times) is way worse off, and so are, like, billions of poor people the world over. I am determined to wipe out my debt this summer and not get back into it unless I need a car loan (in case mine dies, not because I plan to upgrade) or a mortgage. I have a guaranteed income for the next 15 months. I have wonderful friends and family members that would back me up in a second if I needed it.

But despite these good things, I feel…wobbly. Maybe because none of my financials are going to budge for nearly a month now, until my next paycheck? That might have something to do with it. It’s exciting to see my net worth jump so much at a time, and to pay off a big chunk of loan, and to open a retirement account. Waiting around, doing my job, for a month, until the next one comes in…that’s a lot of days of “one foot in front of the other” where nothing is happening!

So, I guess I have to work on both moderating the spike in my mood when I something good with money, and also on moderating the low I feel on a day like today, when I’m convinced any effort I make is for nothing.