Friday Coffee Chat: Little Changes, Big Progress
Happy Friday, friends!
Can you believe this week is already coming to an end? It honestly feels like it just started. Thankfully, work yesterday was fairly slow, which made the day go by a little easier. I finished with 10 saves. My goal was 12, so I fell a little short, but I’m still grateful for the 10 that I was able to help.
Lately, it seems like my job has become a little more challenging. With the economy, job losses, and families trying to cut every expense they can, I completely understand why people have to make difficult financial decisions. At the same time, I truly believe in the service we offer because I’ve seen how much it has helped people over the years. Sometimes it’s just about planting a seed and hoping it helps someone down the road.
One thing that has brought me so much peace this week has been digital decluttering. I’ve also been working through paperwork, and I can honestly tell a difference in how much calmer my mind feels. It’s amazing how getting rid of little bits of clutter—whether it’s around the house or inside my phone—can make such a big impact.
So far this week I’ve accomplished:
- Unsubscribed from five email lists.
- Deleted more unnecessary screenshots from my phone.
- Wrote two cancellation letters to eliminate monthly expenses.
- Finished my IRS paperwork and updated my direct deposit information.
Speaking of those cancellation letters…
After work yesterday, I stopped by my chiropractic appointment. I’ve really enjoyed getting adjusted, and it’s definitely helped my back and sciatic nerve. Right now my membership is about $80 a month, which includes four visits. As much as I like it, I’m trying to be intentional with every dollar I spend, so I handed them my cancellation letter while I was there.
The chiropractor mentioned they have some lower-cost plans that we can discuss over my remaining visits. I may end up switching to something that allows me to come once or twice a month instead. I still want to take care of my health while also making smart financial decisions.
I also received confirmation that my Minifig subscription has been canceled, which will save me another $20 each month. Every little bit adds up!
Then came the surprise of the day…
When I got home, I found a letter from the IRS in my mailbox. I immediately thought, “Oh great…what did I do now?” I assumed maybe I owed additional taxes since I had already heard back from the state earlier this year.
Instead, the letter explained that I had forgotten to include my banking information for direct deposit! They simply needed me to log in through ID.me, scan the QR code they provided, and enter my account information so they could send my refund.
I couldn’t help but laugh at myself.
The refund is only about $249, but I’ll gladly take it! It should arrive within the next couple of weeks, and I’ve already decided exactly where it’s going.
Straight to my Jeep payment.
Between that refund, my regular payments, and the small work bonus I’ll receive in August, I’m getting so close to paying my Jeep completely off. Right now I only owe about $1,290, and my goal is to make two larger payments in July and August, with the remaining balance paid in September—or sooner if I’m able to send in a little extra.
That feels incredibly exciting.
This afternoon after work I’m planning to add more family photos to my digital picture frame and spend some time learning more about my electronic calendar. I want to start using it for my weekly menus, appointments, and daily to-do lists so it becomes a tool I actually use instead of just another gadget sitting on the counter.
Little by little, I’m creating a life that feels less cluttered, less stressful, and much more intentional. It isn’t happening overnight, but every email I unsubscribe from, every drawer I clean out, every debt I pay down, and every small decision I make is moving me closer to the peaceful life I’m working toward.
Thank you for stopping by my blog and spending a little time with me today. I always enjoy our coffee chats, and I hope your Friday is filled with a few small victories of your own.
Talk to you later!
Cheers, Karen
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