At least I paid off my loan

I did use my certificate that matured and paid off my loan. The loan was money that I had used to have major work done on my car last year. I was supposed to use the excess to pay off a credit card but that didn't pan out. I can't even tell you what I did with the extra money that was left over. I pretty much just frittered it away.

Now it's time to rebuild those savings. It's not going to be easy either. It will take me almost a year to get back to where I was this year. Of course I will not have that personal loan hanging over me so that's a good thing. On the down side, it's going to be so painful saving almost all of my excess income.

It takes so long to save and it's so easy to blow it all.