I have a timeline and better late than never, i am feeling good about myself at the moment making plans for when i am a totally gamble debt free, whilst budgeting is very difficult and very hard with very little spare cash ( most of mine is going on my debts so i can pay them off quicker ) the budget will continue when i am free of my gambling debts. ( i say gambling debts because i have also got a mortgage which in itself is a debt ) . The reason i am saying better late than never is because i am 51 years old 52 in march and my official retirement age is 60 , which means i need to have paid my mortgage off before then in order to have a roof over my head come the day i retire. So i am going to re-do my mortgage when my debts are paid so it is paid off before i retire. All pie in the sky i know but “better late than never” .
Three things that i am grateful for today:
1. being able to make plans.
2. being healthy.
3. being of sound mind.
