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.