The difference a few weeks can make is astounding. So far in the first two weeks of January I’ve made more decisions and set more plans in motion than ever before, and the drastic change that has occurred in me since as recently as a month ago is surprising.
I am a self-proclaimed procrastinator. I have things I want and things I hope for, but I end up playing the wishing game… “I wish I had this” or “It’d be nice to do that” and while that’s all well and good to hope for things, they never become tangible if you don’t actually start moving in that direction. A month ago I was dealing with finding a new car after my accident, letting go of old friends that didn’t belong in my life any longer, and just trying to make it to the new year without having a mental breakdown.
Now, I find myself determined and with a plan. A plan that requires me to stand up and take action and leave my procrastinating ways in the dust. Surprisingly, I do not have one ounce of desire to put it off. I feel filled with ambition and the desire to act now! It’s kind of a wonderful feeling.
I called a mortgage broker yesterday who was recommended by a coworker who recently bought a house. I was nervous, and didn’t expect to get approved because I had low expectations of my credit score due to mistakes I’d made when I was young and foolish. Luckily, the score was better than I expected and the one thing that is bring it down too low is something I’m already fixing and should be removed from the report in April/May.
While I can’t get approved just now, the broker is confident that come May, we should have no problem providing I complete the following tasks:
- Stay on track with my current plan to make my student loans current.
- Get a credit card that I use to make one charge each month, and pay it off each month too.