I'm going to try to get back into the swing of things with blogging here again. I made some great headway when I was more active here.

Early September I really applied the Law of Attraction into my life, I think I've read a ton of books on it. TheSecret, A New Earth, then read some others... like The Last Lecture, and now I'm reading a book regarding Money and the Law of Attraction

When I went to Blockbuster today, I exchanged our mail in movie for another movie which would have been free, but I HAD to pick up snacks. So I went to put it on my debit card and it declined (the electric bill debited sometime between last night and this morning) so I grabbed the $5 out of my wallet. Now, before I get into that... that $5 was in a separate place in my wallet... it was from a Lottery card I had won and redeemed with my son by my side. It was the day before his surgery and I remember feeling anxious that day, and perhaps I'm silly - I called it my lucky $5.

And yep, because my card declined at Blockbuster - I spent it. Then left the store wondering - "What did I just do?"

Came home and thought. I MUST be applying this Law of Attraction thing with money wrong... the LOA says to approach situations like you can afford anything you want. But I notice I've been more frivolous with money when I'm like that. Yet it says when I'm penny pinching, I'm blocking more money from coming to me.

Obviously, I have something wrong in my understanding. If it was any other $5, I wouldn't have cared - but it was THIS $5 that I spent. $5 that was in my wallet, that I had put in there to remind me I always had money in my wallet... even if it didn't seem like much.

So I sat down tonight and rethought my goals.

I'm going to take this step by step. First goal is to tackle the first CC. I am going to pay $3629 to it this month, and in Nov & Dec I need to pay $329, then in January $429. In February, when I get our return, I'll take our state and federal return to pay off the remainder and there should be enough left to get DH a used motorcycle. So I should meet my first goal by February.

Next goal is to tackle paying off DH's car. I'll start applying what I was paying towards the CC to his car and it should be paid off by August next year. And with DH's bonus next October, it should wipe out my CC.

So in 12 months that is paying off 2 CC's and 1 car loan for a total of $27K or so?

Some of the payments I don't know how I'll make. Even the $3629 for October, but somehow I managed to spend money on frivolous things this month... so the money will be there. Cause if I can find excess money to spend on nothingness... I can find excess money to pay down my debt.

I also got a letter in the mail today that because I'm in school my student loan is in deferment (its at 1.65% interest) so for the $129/mo I was paying on the CC, that's an extra $110 towards meeting my $329 payment goal.

I still do believe in the Law of Attraction... just think I got the application wrong when it came to money. Just cause I believed I had extra money didn't mean I need to SPEND it. It doesn't mean I need to pinch every penny either. I think I need to take a balanced approach... people with money have it just because they are smart about it. They are discriminant in what they want and know what they want. They don't buy things "just because" or "on a whim" - they buy it cause it would fit their selective taste.

I think Suze Orman said once that when you don't spend money wisely, you don't respect money. So to add to that, I think in order to draw more money to you, you need to respect it, appreciate it, and know what you want and not be distracted by the gimmicks and distractions out there.