While I have done a better job tracking my money and payments over the last year, I have not made an actual dent in the amount of money I owe on my credit cards. . . .
I'm not terribly surprised. I've been trying to keep up with my regular standard of living - one that was established back when I was living at home with two working parents providing everything for me. Yes, I still feel like I have access to the wealth we had when I was 10 years old. My income always drops slightly for November and December while my consumer shopping impulses rise dramatically.
Thanks commercials.
So, while I am wearing a really cuuu-uuute sweater that was 40% off, I'm freaking out about how to pay my utilities for the first time. I've always been able to get rent and utilities taken care of by the 5th (or 6th) of the month. The cashflow has just been really stunted on the in-flow while still moveing freely on the outflow. And I still really want a pair of brown flats. . . .
I think secretly, I still believe in prince charming or a fairy godmother to make the past go away. Or the magical lottery ticket that I never buy but I will win the lottery anyway. Obviously, this psychosis needs to be dealt with before financial health will come my way. Because I fool myself into thinking I'm living frugally but then spend more than I make on a regular basis. No more making fun of people with massive credit card debt. Because I am that people.
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