WHY I STARTED BUDGETING AND HOW IT GOT ME OUTTA DEBT
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So I'm going to be all real talk with ya. It's time we talk about money on this blog. Money is an awkward subject but it doesn't have to be awkward. When I sent out my reader surveys one of you said they would love to see me talk about money/budgeting on here and I was like boooyah!
See I haven't always been good with money. There were times in my life when I was really, really bad with money.
I got a job at a young age (hello times colonist paper route!) and learned what it was to be making money. As soon as I was 16, I got a day job and soon after that I got another. I loved working and making money...what I didn't love was saving money. When I had money, I spent it because, duh, that's what money is for...right? (that's my 17 year old self speaking!)
I got my first credit card when I was 19....at first I was very good with it. But then I wanted to go to Europe and then Europe again and then New York and then many, many concerts and then many, many shopping trips to Vancouver...oh and I got a car loan somewhere in there.
Let's just say I went on a five year shopping spree....it was bad, very bad. In those times I didn't like to think of my financial situation. It was just something that I would sweep under the rug and hope that one day in the distant future, I'd get my stuff together.
And then one day, I had a conversation. Don't you love it when conversations can change your life??? And I don't want to hype this at all...I didn't go to some seminar to learn how to get out of debt...and no offence to people who go to those seminars, but you really don't need to go to those seminars....actually you probably shouldn't pay for a course to get out of debt...you should just GET OUTTA DEBT...ok rant over....
Back to the conversation....
I had a friend over for dinner and she told me about budgeting. She shared with me how she wanted to get out of debt and how she needed to make some changes to her spending. She gave me the name of this Christian finance dude (Dave Ramsey). I looked at his site online and figured out his budgeting system (you don't need to pay for a program, it's pretty self explanatory).
And then I started budgeting (and working my butt off!!) and 10 months later I was OUT OF DEBT. Now that was a good feeling.
So I wanted to encourage you....if you are in debt, there is a way out!! But it's not some quick and easy solution. If you're serious about getting out, let me tell you, it's going to be hard BUT you got this. You so got this.
In the next few posts I'm going to be talking about budgeting, breaking it down, showing you how to make a budget, and how James and I make a budget as a married couple. Yeeeehaw.
Happy Monday friends!
s.s.♥︎.
