IT’S A NEW YEAR!!! I always feel very optimistic at the start of the new year, and 2021 is no different. I have my resolutions ready, and I have so many big plans and ideas to look forward to. I know that the new year doesn’t automatically make me a new person, but it does give me a little more pep in my step. One of my biggest goals this year is to become debt free! I’m really close, and I’m ready to cross the finish line.

I started tracking my net worth a little under two years ago. Checking in with my net worth each month has allowed me to learn so much about my money. It has been harrowing sometimes to see it move in the wrong direction, but it keeps coming back to me. At the start of the new year, my net worth is

-$899.

Ugh! I wanted so badly to start the new year with a positive net worth. I was almost on track to. I thought i was going to make some extra money this month. However, instead of getting paid in December, I’m getting paid in January. I know I have that to look forward to, but I’m hoping that after January, I never have to see a negative net worth again. First stop, positive net worth. Next stop, my first 100K. After that, the world!

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