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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.

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

  1. creditcardfree Says:

    I'm optimistic too!

  2. mjrube94 Says:

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

  3. ThriftoRama Says:

    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:

    I am optimistic also!!

  5. Joan.of.the.Arch Says:

    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:

    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. SavingAdvice Says:

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  8. Petunia 100 Says:

    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.

  9. Jerry Says:

    My levels of optimism and pessimism fluctuate... sometimes pretty rapidly. Yesterday I got some bad financial news that would lead me to feel pretty pessimistic, but then tonight something wonderful happened to kind of balance things out. It's been something of a roller coaster lately! I think I would prefer to stay optimistic, though, it's a lot more fun and I think it also offers some insurance that things go more smoothly. You kind of expect them to...

  10. SavingsQueen Says:

    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.

  11. MaryB26 Says:

    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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