Thursday, January 2, 2014

A financially responsible year.

2014.  A new year.  A new start. Of course I make the typical resolutions to"spend less, save more, eat better, exercise".  I am hoping that this year I can make some major changes.  Since early adult hood, I have had the tendency to act on impulse.  I have filed bankruptcy as a result. Scary when you are only twenty-two.  Ten years later, I find my actions haven't changed very much.  While now, I have a secure, well paying job, I still tend to justify buying just "one more thing".  I find myself always clicking the "checkout now" button at the corner of the screen, telling myself, "this is it, no more spending".  I have become a joke to myself.  I have worked 3 solid years at my job and have little to no savings, credit card debt, and I still feel like I'm living pay check to pay check.  It's not like I don't have money to pay my bills, but I feel like I have nothing, even when I'm buying EVERYTHING I want, when I want it.  

This evening I attempted to clean out my closet and dresser which are both exploding with clothes and shoes.  Some nice, some not so nice.  The thing is, I found things that I completely forgot I even had.  I felt lots of anxiety trying to squeeze things in the back of my closet to organize and consolidate.  I just cannot believe how much stuff I have.  Today, made me feel panicked about having so much that doesn't really matter.

I can't justify why I keep buying things.  This year I am going to challenge myself to refrain from purchasing anymore clothes or shoes.

And of course To save and pay off debt.


Today, I make that promise to myself and my future.





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