I am reviewing my finances for February. Despite unnatural disasters (see Liquid Keratin) and a few/several/many indiscrete purchases (see Checks and Balances) and several visits to the MediSpa (more on that later) I appear to be making slight progress with my debt levels. My total personal debt has decreased marginally from $15,116.13 at January 21 to $14,961.93 at February 13. At least the accelerated debt service to Visa is outstripping my spending. The large payments made over the last few weeks are largely possible due to – I hate to admit it – the salon services I have avoided this month. My only salon visit this month was for corrective color – a non-negotiable necessity.
The best news so far this month is a forecasted budget surplus of approximately $1,500.00 by 3/6/09. This amount could flow through the bottom line straight to a new handbag – its almost enough for a new Chloe – however, I will likely get a couple pair of shoes and some great accessories to jazz up my basics. Should the surplus be applied to debt service, probably yes. I can’t go cold turkey – total deprivation will only lead an unfortunate occurrence . . . an incident at an outlet mall or ‘rack’ store where returns are not accepted. Self restraint is so much better in moderation. I am going to make like a Democrat in Congress and spend spend spend that surplus . . .