So here we are in the here and now, today. You have now followed all of the stages of my fanacial life.
“Addiction of Instant Gratification”
Once my wife needed to stay home with the older child we began to struggle. We found that many of the things we needed became almost luxuries. We found that the loss of income hurt and with each small disaster came an even bigger debt.
That brings us to today. It finally reached the point where if an emergency arose, we couldn’t handle it. We are operating in the red each month, and never seeming like we are going to get above water. Each time I look at the children I feel guilt. Guilt over the legacy I am heading them into.
They say sometimes that you must hit the bottom in order to claw you way out. I need to start clawing.
I need to do a lot. The debt has taken its toll on me, my family, my marriage. While the 70K is a dollar figure, it’s the non-monetary cost that is the most expensive. I don’t want to pay that price anymore. So I hope you continue to follow me, as I take the “Road to Today”, and use it to “Build Tomorrow”, for myself, and my family.
Who knows maybe I can help someone else.
~Another Day
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It sounds impossible. I know I couldn’t do it.
The stress of dealing with the fallout of debt sure does take a toll on a person and a family. I just started reading “America’s Cheapest Family” by Steve and Annette Economides. Good stuff. I have avoided budgets like the plague, but what they do makes sense. We’re going to give it a try.