I make mental resolutions every new year, but writing them down kind of solidifies them. This year I want to DO MORE of a lot of things, and I’m on track to do just that.
Pay off my debt: My Gap Year was amazing, but it did put me in some debt. I should be able to pay it off by the end of the 2016, probably even earlier, but I need to be smart about my spending—it’s really hard to pay off a credit card if you keep putting new things on it! (And that interest, ugh.) Especially since I have big plans this year that aren’t exactly cheap (see below) so I need to be frugal with everything else. At the moment I am considering two options: a personal loan, which theoretically should have a lower interest rate than my credit cards and would consolidate the bills, and/or a balance transfer card, which is, yes, another credit card but would have a 0% balance transfer rate and 0% interest for the first year or so. I’m looking into it. If you have suggestions, please let me know!