The last few weeks I’ve found myself questioning which direction to go in. I had a conversation about possible redundancy (in 18/24 months)with a manager and was told I could be up for consideration – no guarantees though. This is the very opposite of what has been indicated up till now. While I’d welcome it, I guess it just has made me think about a lot of things. It would bring forward my date for finishing work plans by about 2 years.

I had considered starting up a side hustle online – however the truth is that I really don’t want to spend my time running a business. And I think I’d rather be putting funds into retirement savings or debt reduction than into a new business venture. So, after much thought and a few sleepless nights I’m axing that idea and just sticking to my original plan of $500,000 in super minimum and a paid off mortgage.

I guess its sticking with the tortoise vs the hare approach. Saving and debt reduction is not overly exciting in the short term. Each week I just transfer money between accounts, each month I add up our progress, and in between I suit up and show up for work.

Its slow and dull but it really is does work.

I remember when we were drowning in debt & family illness and I felt like we would lose everything. Stress was through the roof!  Enter Dave Ramsay, we started following the baby steps and slowly we made progress to the point where our financial lives have completely turned around over the last 8 years.

We’ve had another big bill last week with the car needing some repairs. I also paid the deposit on our holiday for next year and paid for some professional development.

I’m not sure if we’ll meet our goal of $0 redraw by the end of the month -its now at $4,464. But we’ll get close to it.

I’m looking forward to 2019 and just staying the course with our original plan for retirement in five years. How we get there might look a little different, but its still the goal!