Debt-defying!

Do you ever get stressed everyday thinking how to make ends meet?

Credit goes to http://www.universalfunding.com/blog/

Do you have sleepless nights thinking how to totally erase all your debts that have piled up through the years?

You are not alone.

It’s really hard to accept that I have failed miserably in life. I have accumulated so much debt over the years. I have a lot of sleepless nights thinking how to pay off everything when I am not earning that much. I have to pay our bills, send my husband to school, buy milks and diapers for my babies and other everyday needs. I get a negative balance every month, hence the borrowing from banks, friends and family just to make ends meet.

Excuse me for my expression, but I am tired of this S***! I want to free myself from all the money problems that I have right now! I want to free myself from debts.

As I look at my past, I can only say that I have mismanaged my finances. I have friends and workmates before that are earning the same amount as I do but they have managed their finances well. I know it’s bad to be envious but I just realized that I should have done the same. I envy them because they were smart enough to put their money in the right place.

I was “galit sa pera” –as how my mom, describes me. I would go to the mall as soon as I get my salary. I would buy stuff and abubots that I actually don’t really need. I would dine-out and spend my day at the mall leaving me with no money the following day. I would party with my friends, buy gadgets and spend and spend until I don’t have anything left. In short, I go broke instantly after getting may paycheck. This went on for years; plus the fact that I learned to gamble recently.

Now at 30, I realized that I have wasted a lot of time and money in the past until now. Collections agencies are bugging me to pay my overdue loans with the banks. I am really stressed and I cry almost everyday because I have no one to blame except myself. I have dug a hole and buried myself in debts. Now, I am really trying to fix everything. I know I can’t free myself from all the debts that I have overnight. I have to change my way of living and I must have the commitment to achieve my ultimate goal – financial freedom!

Join me on my journey to financial freedom. My posts will be my everyday battle to achieve a debt-free life.

This has to start now!

Wish me luck!