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How Did I Get Here? One Day at a Time

January 16, 2014

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Here I am now, paying for my past mistakes and frivolous lifestyle the same way that I accrued the debt, one day at a time.My About Me page somewhat explores the topic of how I got where I am today: in debt and deep in clutter. But that just scratches the surface of how I ended up in my current financial situation. I spent more than I make on stuff I don’t need. But why did I do that? How did I really get here?

Recently, Nony from one of my favorite blogs, A Slob Comes Clean, talked about the sadness that can come with decluttering. I loved this post! I am sometimes sad when I let things go, even when those things aren’t necessarily something that meant something to me while I still had them, like my shoes, for example.  I felt sad but also happy and empowered when 20 pairs were recently decluttered!

Dealing with Personal Struggles

Why the heck do I feel sad about shoes? Well, I don’t really know the answer to that question, but I do know that when my poor financial and clutter habits started I was in a bad time of my life.

I got married in Summer 2010 and I was happy, mostly. The short version: fall 2010 I found out my husband wasn’t who I thought he was, and in December, I filed for divorce. After ending my relationship, I started buying things in excess and applying for more and more credit. Each time a line of credit started getting a high balance, I applied for another, especially if I could “earn rewards” by using that particular card. This was the beginning of my problems.

Keeping up appearances

My financial problems worsened after I graduated from college in May 2012. At that point, I was trying to keep up with the people around me, despite the fact that they had been working a lot longer than I had. I knew that they were making more money and had spouses to share in the household expenses, but I felt like I had to keep up appearances.

I like to be fashionable, so I “had” to keep getting new clothes, shoes, handbags, etc to stay “in style.”  I recently had a very embarrassing moment when my credit card was declined for a fairly low amount. It was at that point when I decided to change my ways.

Changing my spending habits one day at a time

So, here I am now, paying for my past mistakes and frivolous lifestyle the same way that I accrued the debt, one day at a time. I’m still fashionable, but no longer working so hard at keeping up appearances. I know I will have to continue to pay for these mistakes for a while. I haven’t yet figured out a timeline for becoming debt free, but I know it will be at least a couple of years.

Sigh! One day at a time 🙂

Photo courtesy of: Girish Gaikwad

Check out my Pick My Brain page if you need help balancing your budget!

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