Any advice on how to break the "fuck it I'm already broke mindset"?
I was doing great at a young age(m 19). Credit score hit 791, had around $30,000 in available credit with maybe only 12% used, had a small personal loan, and a small car loan. Was doing really great with my finances. But i hated my job. I had an opportunity i thought was gonna be great so i decided to quit an pursue that. It was a complete failure. I went almost 2 months with no income. Blew through my savings. Started racking up credit card debt. Got a different job but took a huge pay cut from my original job. After almost a year of playing catch up i ended up filing bankruptcy. I couldn't handle the stress. I thought that it would be a good reset. It was for a while. But then i had a bad deal a few years later on a house i was trying to purchase. Now again i have lost all my savings and am almost worse than living paycheck to paycheck. The stress has basically beat me into submission. Now i basically just say fuck it about anything financial. I can't seem to get myself out of this rut. I make dumb money decisions and overextend myself constantly now.
I really just need any tips on how you have changed your mindset and decided to become more frugal.
Submitted March 06, 2020 at 10:38PM by AvAnD13 https://ift.tt/2VQxy8r
