Holding On By a Thread

Lately it has been one mess after another it seems like.  This has been an extremely challenging year.  There was my daughter and all the sinecures she was having.  Her health was beginning   to decline and I was scared that she may not make it through the year.  It was an extremely hard point in life.

Then there was the baby.  It is still haunting me almost every day.  I always think about it and how things would be different if I was still pregnant.  I know things happen for a reason but it doesn't make the situation hurt any less. My uncle that past away in June would have had his birthday yesterday.  We decided to have a small family dinner in his honor.  My cousin had his new baby there and I couldn't even look at it or go int the same room.  It was horrible.

People who I thought were my friends have basically cut me off and no longer really even acknowledge me because they feel I don't have time for them and such.  I guess that isn't too bad considering they have not taken me and my daughter into consideration and feel like we should worry about them more even though my life has been a mess.

The topper is now I am on the verge of losing my job.  I do not make enough really as it is and now I might lose the only income I really have. I already owe like everyone a ton of money so losing my job is not really feasible. I have no control over it though at this point which makes it tough.  They will either keep me or they won't.

So This year has not been one of my favorites.  It has been one of the most trying, yet here I am still.  I have no idea why I am here or what my purpose is but I am here.  I will still take each day as it comes but what my reason is right now I do not know

Saving Money and Getting Out of Debt: Have an End Goal

So you have made the commitment to save money and get rid of your debt, now what.  Your next step is to have a final result for why you are going to make this commitment.  You have to decide why saving is important to you.  What is in it for you?

What is it you are saving for?  Do you want a new car, or maybe a house.  Maybe you have kids and want to be able to pay for their education.  Maybe you are just tired of giving your money away to fees every month.   What ever it is you have to know what your working for.

This is important because if you are not working toward a goal you are more likely to go off track.  You will use excuses about why you will do it later.  You just tell yourself you will do it later.  Or just give up because it is not worth it.  With no goal you have no purpose and that can lead to failure.

For me it is being able to provide better for my daughter.  I want to be able to be able to send my daughter to school without taking out a bunch of loans.  I want to be able to not worry about my future when I am older.  I want to know that I will always be able to take care of myself and not burden my daughter when I am older.

What ever you reason is use it as your motivation for this journey.  It will help you when you fell like giving in to extra spending.  It will be the center of your change.  Make it something good to, something that will really keep you going when you want to give in.  Believe me, there will be times when you will say all this is too much and I just want to give up and do what everyone else is doing.

I am happy to have you on this journey.  I hope you will continue to follow me and find your freedom.