Living debt free and having all my bills paid off sometimes seems so far in the future, I wonder if I will ever achieve financial independence. My credit card debt management skills have gotten better in the past few years. I have been able to pay off monthly what I charge, but it is the balance I had before that does not seem to be going away.

I know that I pay to eat out too often and I think I need more balance in my life. It seems like I am overwhelmed a lot of the time and that does not help. Between work, travel for work, school, family and trying to keep an online business going, it does not leave a lot of time for anything else. It seems I need a simpler life, but this is where I am now and I have to deal with it.

There are two things I can do to get my financial situation in better shape. And they are eating out less and increasing my income. I have been reading a book which talks about the percentage of joy in your life that comes from food. The author says that not more than ten percent of the joy in your life should come from food. I would say that I enjoy eating out more than ten percent. The second thing that I need to do is increase my income.

A year ago at this time I was making about $1,800 a month from my online business. Things can change very quickly when you are at the mercy of the search engines. I am still making money, but not nearly as much as I was then. However, I do have several of my websites still intact. I really like to write and adding content will be my next step. My two favorite sites have the most potential to make good money, but they are competitive and will take work. I believe if you write it and it has value, they will come.

I am excited about the decisions I have made for increasing my income. If I can write 3 decent articles a day, I will be off to a good start. For me this is an aggressive goal with school and travel, but it needs to be done. The eating out part will be much more difficult since cooking takes time and effort for me. But anything worth having usually takes work.