7 Weeks ago I started a challenge to PIF 4 cards in 15 weeks time.
- The first 4 weeks I did great staying on schedule.
- The 5th – 6th weeks were still paid on schedule, but I ended up borrowing from the EF for various expenses and buying school clothes (with great discount) on store card.
- Now the 7th week I didn’t submit the payment because of the holiday weekend and our grocery bill was heafty because we stocked up (I have to admit the break was nice)
The scales are now tipping into the negative. By “stealing from Peter to pay Paul” the funds are just getting reallocated. I am paying off one card but gaining debt in another card. Not my goal’s intentions at all!
What to do? With approximately $3000 left to pay, it would take $375 a week to PIF in 8 weeks. That a stressful situation and its got me down. How am I going to handle this situation? Hmmm…
It was recommended that when there is an obstacle you are trying to hurdle and it’s not going your way. Take these steps:
- Re-evaluate the situation. Ask yourself again, “What do I need to do to reach this goal?” Make sure that your goals are challenging but achievable.
- Now, create an Unstoppable Drive. Find what motivates you to reach your goal. Is it reading a self help book, talking with friends, taking a run… get out and find that motivation!
- Organize your goal. Mine is to pay $250 per week to meet the desired result in 8 – 12 weeks. Write down the steps it will take to meet your goal.
- Have faith, believe in yourself, and stay flexible. As much as we would like to go from point A to B, it doesn’t always work that way. A friend of mine published a great quote on her site, “OBSTACLES ARE PUT IN OUR WAY TO SEE iF WHAT WE WANT IS REALLY WORTH FiGHTiNG FOR.” Believe that you will reach that goal, see yourself reach that goal, and realize that Point A to B may have some bumps in the road.
Let’s see how this works for me…
Time to re-evaluate the goal. 3 cards…
- 2 cards @ $2000 need to be PIF’d in 8 weeks. That would be $250 a week. That is a more achievable goal.
- The 3rd card is being PIF’d before the end of the year so that I keep the promotion of not paying finance charges on our purchase. This actually needs to be PIF’d by January 9, 2010. Which means it gives me a bit more time to pay. Additional 4 weeks time @ $1000 = $250 per week.
I am actually feeling better now. It is still a big goal that is going to take a little extra time to meet. But, it is nice to realize I have options, they are acheivable, I will continue to apply determination, and I WILL SUCCEED.
â€œTo dream anything that you want to dream. That’s the beauty of the human mind. To do anything that you want to do. That is the strength of the human will. To trust yourself to test your limits. That is the courage to succeed.â€ – Bernard Edmonds quotes
Is there a goal that has you stuck? Let’s brainstorm and see if we can’t come up with some more options for acheiving that goal.