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Pessimistic or Optimistic About Your Future?

January 6th, 2011 at 06:02 pm

Are you pessimistic or optimistic about your future?

As I obsess about my budget, I realize that I am optimistic. I can envision finding ways to trim expenses and divert a bit more towards long-term goals. I anticipate hitting 10k in my general savings account, and diverting some of those budget dollars elsewhere. I anticipate eliminating my credit card debt and diverting those dollars elsewhere. I anticipate that my next raise will be put to excellent use, not just mysteriously disappear into expense-creep.

And on 1/15, I will know exactly how recent payroll tax and witholding table changes will impact my take-home pay. I just may have a few extra dollars to put towards my wealth building efforts.

Yes, definately optimistic.

Posted in Budgeting, Spending | 9 Comments »

9 Responses to “Pessimistic or Optimistic About Your Future?”

  1. creditcardfree Says:
    January 6th, 2011 at 06:12 pm 1294337536
    1294337536

    I'm optimistic too!

  2. mjrube94 Says:
    January 6th, 2011 at 06:26 pm 1294338416
    1294338416

    Great attitude! "Those who wish to sing always find a song."

  3. ThriftoRama Says:
    January 6th, 2011 at 06:39 pm 1294339161
    1294339161

    I'm optimistic about my own small microcosm, but not optimistic about the economy as a whole or my own childrens' futures.

  4. Ima saver Says:
    January 6th, 2011 at 06:53 pm 1294339992
    1294339992

    I am optimistic also!!

  5. Joan.of.the.Arch Says:
    January 6th, 2011 at 08:19 pm 1294345168
    1294345168

    I would echo ThriftoRama's reply. We are saving well, having no emergencies, and currently have good income, lots of leisure and time to spend with people we care about. Things are good--for now.

    Yet I feel fairly immediate concern for the ability of my city and state to run schools, roads, trash pick up, recycling, water delivery, sewer & waste water treatment, hospitals & clinics, public transportation, inspection services, police and fire departments, etc. Besides the chaos state and city bankruptcy would create, I figure the state would attempt (again) to graft our successful teachers' pension system onto the pension systems of other public employees, even though only teachers are putting in 15% of earnings into the pension, and only the teachers' pension system foresees being able to meet all its obligations. It is healthy (and not managed by the state), so some state legislators are eyeing it wishing to use it to bail out other public employee pensions.

    And then--jobs-- When might they really pick up and be based on sustainable industry & service? What is there going to be for our kids 10 and 15 years from now?

  6. MaryB26 Says:
    January 7th, 2011 at 01:09 am 1294362561
    1294362561

    To be truthful, I am very pessimistic. I have been unemployed for three years and no prospects on the horizon. DH has had an increase in health problems. DS is unemployed. We are staying afloat but have some small leaks in our budget that will eventually sink us. The future doesn't look too bright for us. Sorry to sound so depressing but that is how it is.

  7. Petunia 100 Says:
    January 7th, 2011 at 05:39 pm 1294421946
    1294421946

    MaryB, I am so sorry to hear of your troubles. Frown I hope that you and DS both find good jobs soon. Do you live in an area with high unemployment? I also hope that DH's health improves.

  8. SavingsQueen Says:
    January 8th, 2011 at 01:30 pm 1294493405
    1294493405

    Mary, I feel for your situation. Just before my second child was born my husband was laid off. Even though it only lasted for three months it was terrifying. Is unemployment in your area very high? Can you think of any other way you could make money? Here is the Midwest you can start a mowing business which over time can really grow. When my kids were small I also had a small home daycare business. Is there anything like that in your neck of the woods. Bless you. I just said a prayer for your brighter future.

  9. MaryB26 Says:
    January 8th, 2011 at 04:49 pm 1294505372
    1294505372

    Thanks for the kind thoughts and prayers Petunia100 and SavingsQueen. I deal with arthritis and failing eyesight so there are some jobs I cannot do anymore. I will continue to send out resumes and make contacts with businesses.

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