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Showing posts from January, 2018

Nine Year Review

Near the end of 2008 I finally figured out that my spending was out of control. I was 34 years old and I was going to end up bankrupt. My lifestyle was inflated compared to my earnings, and all I wanted was what everyone else wants: a home, a car, some stuff. My car at the time was an old beater on its last wheels, but my home was a rental house that I couldn't afford. I had a huge student debt at the time which began in 1996 and looked like it was going nowhere. My credit card debt was almost as huge, and I still couldn't stop shopping. I gave notice on the house and moved myself and then 2.5 year old son into a one-bedroom apartment. I went car-free periodically whenever the beaters left us stranded. I stopped buying daily coffee and meals out. I stopped pick-me-up treatments for my hair and toenails. I still made stupid spending mistakes, but I managed to pay off the credit card debt in 2.5 years in 2011. At the end of 2014 I cashed in my small retirement savings account