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.
I remember...
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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.
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