This topic confirms my goal of wanting to experience financial freedom! I owe money for medical bills and educational loans, which has been annoying since the pandemic. I also have a cousin who owes me some money, but that’s a whole different story! I hope to figure this thing out soon because it is important for me to have peace and be responsible for my expenses.
Since the pandemic, I’ve been thinking of a master plan on ways to save money and pay off things. I typically get overwhelmed thinking of what’s needed and what’s due this or that day. To help with this, I’ve started putting reminders up and writing down bills that are outstanding. I get so intimidated by the calls and letters that come to me stating a huge balance that I’m sometimes surprised by. I should start sending small payments to show effort. I feel like I’m making a decent wage but I can’t figure out how to stay above water.
I’ve limited my retail therapy outings at TarJay (Target), Amazon, Meijer and Wally World (Walmart). With inflation costs elevated my cost of living has hit the roof! I feel like I’m spending more than I’m saving. I often try buying sale items or store brands to save a little extra. This is such a failed attempt due to everything going up! You can’t have Cheerios without Almond or Oat milk these days!
Finally let’s talk about my cousin owing me money. Have you ever talked to a person who seems to have a better career than you and a spouse who works all the time but both overly spends? Well, meet my cousin and her big head husband! LOL, I have always been thankful to not ask my family for money. I’ve been strong in my faith when it comes to being a lender and not a borrower. It is a blessing to help people in need. So, my cousin told me she was having hard times and I offered her relief. She told me that she would pay me back, and I said just keep me posted. Obviously, the conversation has never resurfaced! I loaned her money with the intent not to get it back, but she would make it a priority to acknowledge it but not show effort in repayment. Well, I guess I won’t be seeing that back and I’m ok sometimes with this. When I’m not ok, I always think of the JG Wentworth commercial jingle, “It’s my money and I want it now!!!! You have to love the humor around debt these days!
— MsNekee42
Since the pandemic, I’ve been thinking of a master plan on ways to save money and pay off things. I typically get overwhelmed thinking of what’s needed and what’s due this or that day. To help with this, I’ve started putting reminders up and writing down bills that are outstanding. I get so intimidated by the calls and letters that come to me stating a huge balance that I’m sometimes surprised by. I should start sending small payments to show effort. I feel like I’m making a decent wage but I can’t figure out how to stay above water.
I’ve limited my retail therapy outings at TarJay (Target), Amazon, Meijer and Wally World (Walmart). With inflation costs elevated my cost of living has hit the roof! I feel like I’m spending more than I’m saving. I often try buying sale items or store brands to save a little extra. This is such a failed attempt due to everything going up! You can’t have Cheerios without Almond or Oat milk these days!
Finally let’s talk about my cousin owing me money. Have you ever talked to a person who seems to have a better career than you and a spouse who works all the time but both overly spends? Well, meet my cousin and her big head husband! LOL, I have always been thankful to not ask my family for money. I’ve been strong in my faith when it comes to being a lender and not a borrower. It is a blessing to help people in need. So, my cousin told me she was having hard times and I offered her relief. She told me that she would pay me back, and I said just keep me posted. Obviously, the conversation has never resurfaced! I loaned her money with the intent not to get it back, but she would make it a priority to acknowledge it but not show effort in repayment. Well, I guess I won’t be seeing that back and I’m ok sometimes with this. When I’m not ok, I always think of the JG Wentworth commercial jingle, “It’s my money and I want it now!!!! You have to love the humor around debt these days!
— MsNekee42
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