SP Premium
60,000-79,999 SparkPoints 67,615

Taking back control

Thursday, October 10, 2019

So I decided to take back control of my life. I'm not just getting healthier physically, but by balancing my bank account, updating my budget and setting up a plan to pay off my credit cards. I plan to be both physically and financially healthier. I have goals I want to reach and they include more than just a number on the scale. I plan to be credit card free in the next 2 years. I'd do it sooner, but I'm also trying to build up an emergency fund that would cover at least 1 year of monthly expenses. I'm still tweeking my budget to allow for set monthly expenses including groceries and gas. I'm still working that out but it'll come.

I want to be able to pay cash for everything, and I will get there. It'll just take some time and some sacrifice. I am also trying to show my son what it means to be financially stable without relying on credit cards or loans.

He's only ten but I learned from my parents to rely on credit to survive. This isn't surviving, it's standing on the deck of a sinking ship while everyone else gets to safety. I'm done drowning. It's time to get myself a better boat and make sure the hull is sound.

No one is responsible for the choices I've made. And no one is going to make the changes I need to have done. I'm taking ownership of my choices, good and bad, and making the necessary steps to have a bright future.

Share This Post With Others
Member Comments About This Blog Post
    Later, best of luck to you, you got this!!
    170 days ago
    Great blog! I recently also made a similar type of plan, while the weight loss is painfully slow and so is the credit card payoff the difference is that I have a plan and I'm going to stick to it. Cash is king, sacrifice now and reap the rewards
    170 days ago
    It's not easy, but it can be done. You have the right attitude for tackling this challenge and sounds very responsible! And that's great you are being a good example and teaching your son about money and responsibility.
    170 days ago
  • Add Your Comment to the Blog Post

    Log in to post a comment

    Disclaimer: Weight loss results will vary from person to person. No individual result should be seen as a typical result of following the SparkPeople program.