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I remember...

July 14th, 2010 at 08:26 am

Not too long ago when I was afraid to answer the phone. I remember being in tears asking my parents for my mortgage payment because they were going to foreclose if I didn't get them some money. I remember spending money with no regard to what needed to be paid. I remember keeping my power on by the seat of my pants. I remember making so little money that I used credit cards to maintain my lifestyle.

I remember all of these things because they are in the past. My life is totally different now. I still make financial mistakes, but they are few and far between. I consciencly make decisions that affect my finances. I am so glad that I can answer the phone now without fear that it is a debt collector. We still go and have fun, but in a more responsible way. I have a plan for paying off my debt, instead of just making the minimum payments on each card. I can't wait to get my debt paid off! I will have so much more money to start building my EF, which right now is non-existent.

8 Responses to “I remember...”

  1. creditcardfree Says:

    Yipee! I say read this post to yourself everyday. Believe it with every cell of your being!

  2. momcents Says:

    It IS nice to see improvement in things, isn't it? I marvel at the progress I've made in my attitude and communication with DH. The change in our attitudes has made it easier to make wiser decisions and have concrete future goals, rather than the "one day we will..." mindset. Every little bit does count.

  3. jolie Says:

    That's a fantastic place you've arrived at. We will be celebrating with you when you get that first one paid off.

  4. Looking Forward Says:

    Yay! Smile

  5. HouseHopeful Says:

    Great post! And great job changing your finanical life Smile

  6. campfrugal Says:

    Great job. Keep it up.

  7. Ima saver Says:

    That is great!! Doing good!

  8. CB in the City Says:

    Isn't it great to overcome adversity? You've done it! Getting out of debt will be your reward.

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