Shoeaholic No More

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January 2014

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How Did I Get Here? One Day at a Time

Written by , Posted in Life

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Here I am now, paying for my past mistakes and frivolous lifestyle the same way that I accrued the debt, one day at a time.My About Me page somewhat explores the topic of how I got where I am today: in debt and deep in clutter. But that just scratches the surface of how I ended up in my current financial situation. I spent more than I make on stuff I don’t need. But why did I do that? How did I really get here?

Recently, Nony from one of my favorite blogs, A Slob Comes Clean, talked about the sadness that can come with decluttering. I loved this post! I am sometimes sad when I let things go, even when those things aren’t necessarily something that meant something to me while I still had them, like my shoes, for example.  I felt sad but also happy and empowered when 20 pairs were recently decluttered!

Dealing with Personal Struggles

Why the heck do I feel sad about shoes? Well, I don’t really know the answer to that question, but I do know that when my poor financial and clutter habits started I was in a bad time of my life.

I got married in Summer 2010 and I was happy, mostly. The short version: fall 2010 I found out my husband wasn’t who I thought he was, and in December, I filed for divorce. After ending my relationship, I started buying things in excess and applying for more and more credit. Each time a line of credit started getting a high balance, I applied for another, especially if I could “earn rewards” by using that particular card. This was the beginning of my problems.

Keeping up appearances

My financial problems worsened after I graduated from college in May 2012. At that point, I was trying to keep up with the people around me, despite the fact that they had been working a lot longer than I had. I knew that they were making more money and had spouses to share in the household expenses, but I felt like I had to keep up appearances.

I like to be fashionable, so I “had” to keep getting new clothes, shoes, handbags, etc to stay “in style.”  I recently had a very embarrassing moment when my credit card was declined for a fairly low amount. It was at that point when I decided to change my ways.

Changing my spending habits one day at a time

So, here I am now, paying for my past mistakes and frivolous lifestyle the same way that I accrued the debt, one day at a time. I’m still fashionable, but no longer working so hard at keeping up appearances. I know I will have to continue to pay for these mistakes for a while. I haven’t yet figured out a timeline for becoming debt free, but I know it will be at least a couple of years.

Sigh! One day at a time 🙂

Photo courtesy of: Girish Gaikwad

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Kayla

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

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