Victory in Uncertainty

Happy(?) Thursday, dear readers! How’s everybody holding up?

The week here has been a bit of a mixed bag. I’m still wrestling a bit with some leftover queasiness from last week, and the realization that we really don’t know what the future holds right now is steadily sinking in.

However, in the midst of all this uncertainty, I did have a major victory this week – I paid my credit card down to $0 for the first time since we moved to Chicago 7.5 years ago.

Some history on this: I had paid it all off before we moved, but when we got here, we we both very much underemployed, and, well…we had to eat. I leaned on the credit card because it was the option we had. Then our job situations improved, but I was in the habit of using the credit card, and…it got out of control. By August of 2017, I had accumulated nearly $16,000 in debt. So, I made a plan, and since September of 2017 I have been aggressively paying down my debt, dedicating about a third of my monthly income to credit card payments.

I had some setbacks, for sure (retail therapy is a hard habit to break). I originally thought I’d have it paid off in two years, then by the end of 2019, and finally it was clear it was going to take until June of 2020. However, I was able to sneak a couple extra payments in thanks to the pandemic stimulus check and my new job, and I am now debt free a month ahead of where I thought I’d be.

It’s a surreal feeling, but mostly, I feel like I can breathe again, and that’s a really great experience. I recognize that I am privileged beyond measure to be able to achieve something like this during such stressful and uncertain times, and I don’t want to take that for granted.

The other fun news from this week: I started playing the mandolin again, and am taking a class online at the Old Town School to get my playing back up-to-speed. I’m remembering all the reasons why I fell in love with the instrument almost 9 years ago, and am a little sorry I put it down for so long (I haven’t played much in probably 5 years now…been focusing much more on guitar). It’s the only instrument I can play where I can pick it up and just noodle around and make up melodies that sound nice.

I hope you’re all hanging in there and finding your own victories (big or small – they all count) to brighten up your days.

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