Tag Archives: creating a budget

Lost: Money – Found: Debt

5 Jul

Well, I guess I should fess up, I didn’t lose any money per say, I spent it! Lot’s of it, on crap I don’t really, truly need. You see, I am a shop-a-holic! I know it, I accept it and try to prevent it as much as possible, sometimes I can, other times, not so much. I have suffered with depression in the past and if I’m not careful could quickly end up back in the “black hole”. When things get me down or upset me or stress me out, etc, I feel the need to shop, buy something to make myself feel better. It does for a brief moment and then I realize that I couldn’t afford to buy “X” and feel guilty and bad about myself for doing so, and the cycle repeats itself. Getting a bit older and having a house, spouse, child and future to worry about I have really tried to be better with my money by creating a budget and sticking to it for the most part, but there are times when I just say “charge it’. Credit cards in my opinion are a necessary evil. I couldn’t live without a credit card, I do too much online shopping for that to ever happen, and then there is always the “what if?”. I don’t always have a ton of cash on hand and “what if something happened and I needed to pay for unexpected car repairs? for example.

I don’t have a huge credit limit, because I know I have to keep myself in check, learned that lesson the hard way years ago! I would just keep going until Mr. Visa said STOP!

I’m paying off my sins little by little, and that’s what I’m using as my “feel good” now. I feel good when I see the credit card bill going down now, that makes me feel better, as opposed to putting things on it. I take it day-by-day. Two more pay checks and my credit card will be paid off, then I just have to work on paying off my line of credit, slowly but surely I will do it!