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