Today, in early September 2012, I've noticed that my current net worth is essentially this: my car. More specifically, the value of my car were I to sell it. Strange, huh? It's not that I don't have a whole bunch of other financial assets and liabilities, it's just that they basically cancel each other out. My cash accounts are just about the same as my credit card debt. And the balance of my retirement accounts bear an uncanny resemblance to my student loans.
Despite this odd moment of realization, I feel as though I'm at a turning point, finally, with my finances. I feel like I am really, truly making progress and beginning to set out on a sustainable path towards future goals and the relief of not being burdened with debt anymore.
It won't happen overnight, nothing good ever does. I'm completely aware and completely ok with that. I'm not going to beat myself up anymore, but I'm going to be so much more conscious of my means - and will be working very hard to live within them, but still live well. I feel good about it all.
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