The Times; they are a-changing!

I have been writing Part 2 of my Vision Quest all week. While doing so, I have realized three things. I want to share those with you before I get to the remaining part of how I got where I am. These things may be common sense to many people but for me they are lessons learned.

First, I am an instant gratification girl. I do not like to wait for ANYTHING. I am the Verruca Salt of my family. “I want it and I want it NOW.” For all intents and purposes, I was an only child. I had a sibling but he did not live with my mother and I. I was being raised by my mother, who for the first time in her life had her own money and credit cards. We went shopping from time to time and I always got what I wanted. She paid with credit cards. I never really thought about her paying them off. This Changes now.

Secondly, I do not know the first thing about budgeting my money. I’ve read book after book about saving money, budgeting my income, getting out of debt. I have phrases running through my head like “debt snowball,” “pay yourself first,” and so many more. I have learned some things, I THINK I know what I’m supposed to do, however I have never done the steps I needed to becoming financially secure. This changes Now.

And third, I talk a good talk, but I don’t really walk the walk. I have made promises to myself, my parents, my former spouse, my therapists, even a celebrity that I respect greatly. I have never followed through with any of these promises. I have two young boys. One values toys more than anything else and it’s my fault. I aim to teach him the right steps to financial freedom. I can not allow him to live a life the way I did. I will not make another empty promise. This changes NOW.

I stated last week that I would post my total amount of debt on this blog this week. Yet, I have not actually taken the steps to find out the total amount. I’m very scared. I do not want to see the amount. So, I put it off. I will post it, and soon.

DP

Tags: About Me, The Past