In our fast paced, crazy, celebrity driven world, money is seen as the be all and end all and we lose sight of the fact that money is just a tool. We can use the tool the right way or we can use the tool the wrong way. That’s completely up to us, but it’s still just a tool.
For many years, my husband and I used the tool not only the wrong way, but on the “wrong” things”. We were very irresponsible with our money and that lasted for about 20 years! (It kills me to see that and to know how much time and money we wasted!) We were busy collecting “things” we didn’t need with money we didn’t have, so when it came time for needs, we were putting them on our credit card. We often had to charge food and gas because we literally didn’t have the cash to pay for them.
We had periods of time where we were using the tool of money well and “correctly”, but those periods were few and far between and they never really lasted very long. The last time we were credit card debt free it was because we used a loan to pay it off. But we didn’t learn anything and before long were right back in the same debt boat.
This time, though, I think we’ve finally got a handle on it. And we are working to get out of debt and to change our lifestyle. We have paid off nearly 50% of our total credit card debt from when it was at its highest point of almost $25,000.
My husband always talks about using the right tool for the right job, but we were never doing that with money. We are finally using money wisely. We are paying off debt, saving for the future, and using sinking funds to keep us from falling farther into debt. I think we’ve finally figured it out!
November 15th, 2023 at 01:36 pm 1700055363
November 16th, 2023 at 01:16 am 1700097404
progress you have made
November 16th, 2023 at 03:35 pm 1700148941