Tag Archives: credit cards

Budget: Starting the Year Fresh

Budget. That’s what you’re supposed to do as a responsible adult. You are supposed to live within or below your means. You are supposed to have a savings account. You aren’t supposed to have credit card debt. These are the things that your mom tells you. These are the things countless Pinterest articles are written about. These are the things of nightmares.

It seems common sense when you say it out loud, “Don’t spend more than you make.” Obviously. Wait…what about credit cards? Those don’t count. Do they? What about store cards that have 25% interest? Those definitely don’t count. You’ll pay those off every month. You’re just using them for the discounts and coupons anyway!

It’s easy to see how someone, like me, gets into some serious debt without having much to show for it. We convince ourselves we need it or that waiting for it would be silly. We use our cards to get the immediate satisfaction of buying the thing instead of using better judgement.

This is going to be the year of change and major progress. This is the year I stop using credit cards. (Even just typing that I had some major anxiety…) It will be hard. I will get to eat out less and I will have less clothes. I will have to resist the urge to buy something just because I have a coupon…or three. Everything will change. That’s what I’m counting on.

I want to be free of the debt. Free of the worry and stress. Free from the addiction of buying STUFF. I want to look at the things I do have and know that I’m not still paying on it. This will take more than a year, but this is the year I start!

Here’s a link to the binder I’m using to stay organized. http://www.amazon.com/gp/aw/d/B00GDDUXJQ/ref=mp_s_a_1_1?qid=1453307692&sr=8-1&pi=SY200_QL40&keywords=organizher+expense+tracker&dpPl=1&dpID=51V4eucl9ZL&ref=plSrch 

Do you struggle with any financial goals? Do you have a specific plan to get debt free? I’d love all the advice I can get!