So, it has been almost 3 months since I started here. My numbers haven't changed much. And although I am definitely in a rough place financially, I have realized that "I" am a major piece of the problem. Basically, I have 3 problems.
1) Myself and my unwillingness to make changes
2) My budget
3) Not enough money
1) I am struggling to accept that I need to make some changes. I cannot seem to completely get on board. My mindset has changed. I have the desire to change. But I am not doing the work or the follow-through.
2) My budget. The problem is that I don't have everything budgeted for, but I still buy those things because they are necessary or because I "choose" to. Gas, groceries, and dog food. Those are all necessities. And I just try to come up with money to pay for them. But sometimes I don't and that is why my numbers are not improving.
3) I just don't have enough money. I have to push to have extra coming in. That is the only way out of the hole.
My mind knows what to do. I am staring at the computer screen while I type this thinking "Yes! Get your sh*t together. You know what to do!" But I find myself stuck. What is the major malfunction here.
And I do have a side job that I am guaranteed $50/week. I use that towards the $500 Loan payment and it doesn't go into the bank account at all. But then I think I should work during the week somewhere else. But after a 10 hour day, I am just so tired. I don't know if I can do it. Combined with a household and family, its just a lot.
Anyway....these are today's thoughts.
Budget Issues and Me
June 6th, 2018 at 01:57 pm
June 6th, 2018 at 02:19 pm 1528294749
You are in a hard place, where you won't see progress very fast. But you can still make progress. I believe changing your spending habits is more powerful than increasing your income. Get excited about hacking down that debt! Even if it's slow, it's better than standing still.
June 6th, 2018 at 03:06 pm 1528297603
June 6th, 2018 at 05:15 pm 1528305346
June 6th, 2018 at 05:44 pm 1528307065
June 6th, 2018 at 05:44 pm 1528307096
Changing spending is hard maybe you should rework your budget put in the items you might have missed or if you feel the budget is solid you will need to stick to it. Your item you listed as bad loan is almost done you will feel a lot better once that is over and you can eliminate something else. There will be moments now and in the future of digging out of debt that things seem like a standstill but it does pass.
June 6th, 2018 at 07:42 pm 1528314168
Something that helped me a lot was making a copy of the budget that I can carry around with me at all times and look at it in order to figure out if I can afford to buy something. I put mine on a 4x6 index card, but you could do it on a phone. After I pay a bill or buy groceries or whatever, I update the amount or draw a line through it showing the amount I budgeted is used up.
June 6th, 2018 at 10:13 pm 1528323212
Good Luck!
June 6th, 2018 at 10:16 pm 1528323382
June 6th, 2018 at 11:32 pm 1528327973
June 7th, 2018 at 01:58 am 1528336695
Read debt-free stories of others. It can be inspiring to see how small actions are more powerful than big dreams.
We're rooting for you!