I’ve been reading a lot of PF blogs lately. I have realized that it’s going to be near impossible to be debt free any time soon. I make less than $25K per year and can barely get by as it is. Most of the people blogging make twice, if not three times what I do. I pay my rent on time, car payment on time, student loans are in deferment, and credit cards aren’t maxed out. Sometimes I just get so discouraged because I don’t have an emergency fund (read F-YOU Fund), and I’m living paycheck to paycheck. I follow a budget, but there’s nothing on paper because I’m terrible with money. When I’m discouraged, I shop. When I’m bored, I shop. Basically I shop because the mall is about 5 minutes from my house. I just feel like I’m in a never ending vicious cycle of debt, especially when I read that someone’s paid off this debt or that one.
I know that this feeling will pass eventually, it just seems that there are more days like this than aren’t. Sometimes I just need to get this out and I’ll feel better after. Who knows what kind of mood I’ll be in an hour from now.