Being in debt sucks.
You know that.
And it’s hard, when you are in debt to stick to your guns where spending is concerned.
Especially if you are in debt, not for student loan or medical reasons. You got there because you like spend money, or get things, or go places.
Those habits are hard to break.
And the chances are very very very good that you are going to spend money when you should not.
I’ve been there. I’ve done that.
The key here is not to let it get you down. You can’t just throw it all into the stratosphere because you messed up a time or two.
Much like anything else in life…when you mess up, you forgive yourself. You do better next time.
As I’ve told you, I paid off all that debt, and totally thought I’d never do it again. Except I did. I fell. I messed up. I bought stuff I didn’t need. Paid bills with money I didn’t have – because I was too embarrassed to tell my husband that business was a little slow. (Damn you, pride!)
This time, it’s only a fraction of what it was before. But it’s tight right now. I have to make better choices.
This past weekend, I went grocery shopping – and gasp! – I did a budget for the trip. And not only did I stick to it, but I was under budget by three whole dollars. (Small victories, ya know?)
AND, I need some new jeans, because last years are about worn to threads in certain key places that curvy girls tend to wear threadbare. But I’m super picky about jeans, and I don’t have an extra $50 to spend on the pair I want right now. So, I rummaged through the closet and found a pair that I didn’t love because they were a darker color than I normally wear. But I tried them on, and they’ll do just fine for now.
So, right now, I’ve got a little victory to celebrate. I spent less than I meant to, and said no to a purchase I didn’t need to make.
By the end of the week, I’m sure the story will be the opposite. I will have purchased something I didn’t need. But this little win felt good. And I’ll try to remember that the next time I’m tempted.
FYI, I’m going to start a little program. It’s gonna last for thirty days – and it’s going to be cheap. There will be weekly videos and worksheets. There will be a Facebook Support Group. And there will be Q&A.
I’ve been wanting to do this for awhile – but I am not a financial guru, so I tell myself that I have no business doing it.
And that’s true.
But I paid off $64,000 in credit card debt in two years. And if I did it once, I can do it again. And I can show you how I did it.
If you are interested in joining the program – I’m planning to start it on January 1st. Drop me a line and let me know you want in.