I have been having a real pity-party lately. Having just turned 41 I should have my stuff together. You know, a big nest egg for retirement and little to no debt. Well, that is just not my reality.
We have made a lot of financial mistakes in the past and we are still paying the price for it. We save money and then have to use it on an unexpected expense. We still have lots of debt. It is a constant challenge to make ends meet, though my husband makes decent money.
It gets tiring to constantly watch the budget and to never be able to be spontaneous, but it's the price we must pay. Even worse is when your spouse is not entirely on board with the restricted budget, but you do what you can with what you have.
I do not have a big grocery budget. The past two weeks we have been using up what's in the pantry and freezer and filled in with grocery store purchases. I've spent $90 for that time period and the stockpile is at its lowest.
I stay home as much as possible to save on fuel costs. I filled up my car on August 29th for $25 and still have just under a half tank of gas.
We don't take vacations. Holidays and birthdays are an extra strain on the budget that takes the joy out of the celebration.
Life would be so much easier without debt. We are spending $2,387 per month in debt repayments (including the house, because I consider that a debt) on top of regular bills. It's crazy!
Debt is a burden, a destroyer of joy. It restricts your options and opportunities. It is hell on earth.
And yet, I cannot give up. I have the dream of being 100% debt-free in 7 years or less. It will take extreme determination and discipline to stay the course. My husband will not be able to work forever and for his 50th birthday I want to give him the gift of knowing we owe no one and we own our home free and clear.
So, I keep pushing on day after day with hope that one day this nightmare will be over.
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