As I’ve mentioned here before, I’m not naturally frugal. I’m a big spender. I like quality things so tend to pay above average prices for things, not because I want to but because I have a tendency to want all the bells and whistles or the best in class. As a result, I’m not naturally good at saving money hence being in the unfortunate position I’m in now of only now climbing out of debt and scrimping to save a deposit for a house. But I’m determined to learn. Circumstances of life will eventually push you to get your money sorted and stop living paycheck to paycheck. I wish I had figured this stuff out at 25; heck, 15 even—that would have stood me in much better stead than being 20 years later to the disciplined money party. But one should not cry over spilt milk; but rather mop it up and put what’s left in a much safer place—and that’s exactly what I intend to do.
Where do we go from here?
Better money management. Better money decisions, that’s where.
I’m not saying it’s going to be perfect. I know for sure it won’t be. Changing ingrained habits take time. But I am definitely committed to the process.