The habit of a debt ridden 26 year old.

Constantly I am asking myself why am I in debt. I already know the answer. School, frivolous spending, and lack of accountability. I wasn’t smart with how I handle my money situations. I ignored it or blamed other outliers. Not the smartest and adult thing to do, yet I did. Now, I am 26, about to turn 27 and I am in debt with over 50k in student loan debt, plus my car loan, and credit card debt. This isn’t what I had planned. I had plans to get out of debt fast and quick. The student loans I knew was going to be heavy. My undergraduate and graduate degree are both apart of it. I am actually one of the few that could put two degrees on one loan,but I digress. I don’t want it. So I started a plan, a goal, a get out of debt goal. I have been up and down on it for months. I came up with spreadsheets and I have even started on the entire plan, but old habits die hard. My debit card is my go to and cash doesn’t hinder me. Honestly, even though I know I need to save every penny I see extra money and it’s gone. So that money could have been put to something else, instead I by stupid “necessities” that could have waited. Every little penny counts. So, now I owe myself money. Yep. That’s what I gone down to. IOU’s

As an adult, as a person, I know that I’ve got to make changes in my life…got to start somewhere though. I’ve started with my money. I am hoping that if I am able to get a part time job, I can at least knock off at least 6k for 2015. Let’s hope folks.

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