This is mostly just a rant, because I know exactly what to do and how to get out of my situation - it's just damn hard to do.
I got about $1300 in tax refunds this year (moved from part-time work during college to full-time employed, so I think that's why it was so high) and used it to pay off two of my credit cards. Yesterday I was thinking "Yes, I finally paid them off and I have enough money to get to my next paycheck. We're on the way to not having CC debt!"
And then, yesterday I hit a pothole and my tire is flat. Bam, money back on the credit cards.
God damn. I know - emergency fund, savings, blah blah blah. But I'm just so sick of feeling like I'll never get to a point where there isn't something demanding my money. I try to save up for an emergency fund, I end up broke and needing to use it to buy food at the end of the month. I try to restrict my spending on hobbies or whatever, I get frustrated and bored. It feels like there's no point saving, because I'll never have the discipline to do it anyways so why bother?
I'm not really sure what I'm asking here, I just wanted to vent about it. I was so determined to never use those credit cards again, but not even 24 hours later I'm having to charge stuff to them.
Submitted January 30, 2019 at 09:33AM by 2F1B_2k19 http://bit.ly/2S23Tbx
