Do you have credit cards?
Do you use them?
Have you accumulated more than $5,000 in debt?
No, this isn’t an infomercial for a debt consolidation company, I’m simply stating facts.
Being in debt can often feel like you’re constantly being held down by the credit card companies, and they never give you any lee-way. I should know. I am currently in my own battle with those f?$%ing people. Having an endless string of debt can cripple you, and make you feel like you are a prisoner. Again, feeling like that right here.
I have been following the minimalists for quite some time now, (www.minimalists.com) and even though I haven’t been actively pursuing the art of living with less, I’ve slowly been adapting myself to it. Every day, I learn that with each little thing I purge, I feel a little bit happier.
For example, this morning I paid off a credit card. I still have a long ways to go before I’m completely debt free, but it’s a start. I’ve spent my entire adult life living in debt. I was 18 when I got my first credit card, and I’ll be 27 this year. I can’t remember a time during my adult years where I wasn’t in some sort of debt. Now, as I’m writing this, I’m staring down the possibility of moving in the next year or so. Scary, I know. I don’t want to start the next chapter of my life living with this crippling debt.
And I’m so damn tired of giving the credit card companies my hard earned money!
All that money I’m giving to them, is money I can be buying books with! (Don’t judge me. We all have our vices!)
A few months ago, me and my mom sat down and created a budget for me. We took the two paychecks I get a month, and divided them up based on what credit card bills will come out of each paycheck. For example, since I get paid on the first, I pay my bills that are due on the 15th and beyond. Then, when I get paid on the 1st of the month, I pay my bills that are due in the first half of the following month. Make sense? Trust me, it has been working for me. I’m no expert, but I’ve been getting a lot smarter with my spending.
With this system, I’m always ahead of the game. And I never miss a payment. So a little tip. If you still live with your parents, don’t make the mistake I did and accumulate a whole crap load of debt. SAVE AS MUCH AS YOU FREAKING CAN! I’m not kidding on this one.
SAVE LIKE YOUR LIFE DEPENDED ON IT!!!!!!!!!!!
For when the time comes you move out, you’ll be prepared to take on the world! Or at least those mortgages you’ll have. 😉