So when I set my goals for this month, I included paying goals (snowball the Bank of Mom debt as much as possible - particularly because my debtiversary is in 6 short days) but also spending goals (like get some of the Christmas gifts out of the way). I really like to achieve goals, so I want to do both, but obviously they are contradictory! So I suppose my choices are:
a) pay as much toward the mom debt with this check as possible, since that will make for a bigger one-year total, and wait til the end of November check for presents
2) buy some presents this weekend and a bigger (but not all-the-way big) snowball payment
iii) normal mom payment, finish Christmas shopping, then snowball until the end of the year. After all, end of 2008 is a great goal too, right?
Not like I'm going to be able to pay off all the mom debt by the end of 2008, although that would certainly be nice and give the entire new year a savings feel. But unless I get a big fat holiday present from my Big Bad Boss Lady (in the form of a hefty check), it is unlikely to happen. Boo!
Funny how I'm spending so much time wondering how to spend money I don't have yet. I guess that's not all that uncommon. But at least I'm not picking out shoes or something!
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Thinking about how you're going to spend money you don't have yet is better than waiting until you get it and then spending it on stupid stuff. So, rock on! :)
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