I appreciate all the love I received on this tweet, but I was actually mocking myself for closing out the year with an [expensive and] impulsive travel purchase.
It will be by necessity in my future to travel without a credit card (I am not an affiliate for this debit travel card). So that post won’t be written for a long while. But for now, I need to clean this latest purchase up. I may share those numbers later or you can figure it out by my latest pinned tweet.
It is one of the reasons I moved over to blogger. I am not FI material or Mustachian material. Being on Blogger is my way of staying small or more money journal style. I’m always someone who can’t reach the threshold of my financial goals. And it’s been consciously going on for the past 10 years (although I have not been good with my finances since I was 18).
I have gotten much better at managing my finances through the years by budgeting, tracking my net worth, and adding to my 401K. My bills are paid on time and I am using money envelopes. I even replenished my emergency fund of $1,000.
But I am really good at shuffling money around making myself believe that I am making a difference. I’ve consolidated loans twice in the past 10 years. I just started paying my Student Loans again as of the end of last year (note, I’ve barely made any payments on my student loans because I was always putting them in forbearance).
I’ve bought 2 cars in the last 10 years.
And by shuffling money around, I can live above my means.
I also have credit card(s) to my detriment. 90% of the time I am quite disciplined not using them. In fact, I really only use one. The others I will make a tiny purchase on them intermittently to keep them open. But when I get into my YOLO hyper-focused mindset, I will drop a big purchase and think about how I am going to pay it off later.
I like sharing my story and I like the friendships gained from connections through writing. And I receive so much awesome advice that I am truly thankful for. I want to keep writing. But I know people will only believe in me so long. If I can’t provide proof I am making the changes, then the motivation dies down. I sincerely don’t want to take advantage of that, but I can’t seem to stop the debt cycle.
I really do want to achieve my goals. For that I will continue to try better and will continue to make goals in the right direction.