Has it really been three months since my last post? I wish I had tales of success and triumph to share with you but sadly, that’s not the case. I have consumer credit card debt again. Ouch. An amount of debt that I won’t be able to easily pay back in one (or two…or three) fell swoops. The “life” thing is partly to blame: weddings! Spain! summer clothes! But lack of financial responsibility is also a factor: I’ll just use my credit card to stretch my paycheck!
I know falling off the bandwagon is inevitable, no matter what aspect of your life you’re trying to improve. I beat myself up enough about this in my head that I’m not going to bother doing it in written form here. I have acknowledged my shortcomings and now I am going to give myself a pat on the back for what I have been able to accomplish:
- Automated student loan payments that allow me to reduce my interest rate (even though by a miniscule amount)
- One month of net take-home pay saved up for an emergency
- Monthly (albeit small) contributions to my retirement fund
One word I’ve been repeating to myself constantly the last week is “enough”, as in, I have enough. I have the material: a clean and safe home, a kitchen full of food, a closet stuffed with clothes. But I also have what money can’t buy: a loving family, an incredible boyfriend, dear friends. What more could I possibly need?