Sometimes in the midst of paying down debt, one can feel a bit melancholy about the whole thing. It seems like you are paying down this and paying down that. You are trying to keep your head above water and remind yourself that you are not sinking, but swimming towards your future. Sure, you can’t go out all the time to restaurants and drink $10 margaritas like it doesn’t matter because you know that money could be applied to something more worthwhile, like towards debt.
When you feel sometimes financially unstable, it helps to focus on what’s going well. It helps for me to focus on the positive things monetarily and not skew my thoughts and views into negative “woe is me” land. I know there is a light at the end of this financial tunnel.
What I’m doing right:
I have an emergency fund. Thank goodness for PF blogs, seriously! When I first started reading personal finance blogs, which now seems a gazillion years ago, they all talked about the importance of an EF. It is important, and I am glad that we have one in place.
I have health insurance. Not everyone does unfortunately, and I do not take it for granted, especially when I have a little one. One of my friends does not have health insurance and I know how hard it is for her.
I am always learning. There is no set way of reducing one’s finances that works exactly the same for every single person. I am always learning new ways to pinch this penny, and save that dollar. All sorts of people dispense advice and I always want to know more. Figure out how to save on bills, stretch out meals, re-purpose things I already have…I am like a sponge, ready to learn more.
And I won’t give up.