Why is paying off debt the hardest thing to do?! It’s really about being disciplined thats all. Planning is the key to eliminating debt. Slowly, but surely. All is going to get paid. My goal is to not spend on lunch and just bring my own at work. And that $6 dollar frap at Starbucks; not gonna
happen. I have about 8 credit cards to pay off and cannot spend money outside anymore. I can’t use the excuse of not having enough time in the mornings to make my own lunch. My issue has always been FOMO (fear of missing out) I find myself not being able to say no to special events or outings.
I am a YES person! I say YES to everything. And then I suffer the consequences of being penniless. Maybe September is going to be the month where I learn to say no. Its time to put myself first and literally ghost everyone around me. This will avoid debt and spending. This is part of Adulting right? or maybe not….maybe this is just a short break from the world. Either way, I’m on a rant at the moment. I can’t stop thinking about shopping or useless ways to spend my money. So, in order to avoid this I’m venting about the useful things I can do with my spare time.
Paying off debt may seem like a strenuous process, but it doesn’t have to be. There are many ways to keep yourself occupied if you can’t go out. Reading or working on that long lost blog on your to-do list is definitely a time saver. Not only are you doing something efficient but your stimulating your brain. Especially if you’re an aspiring writing graduate school major like me; these blogs are excellent way to gain exposure and build your portfolio.
Hobbies such as drawing or painting (if you have some supplies) because we know how costly art supplies can be; making the best use of your resources can go a long way. Maybe sell your art on websites like http://www.satchiart.com or http://www.etsy.com, etc. Cleaning your home and getting rid of unnecessary clutter that can be sold online. This can be time consuming but its worth the extra change; during my final semester of college last year, I sold over $2g on Ebay. All that money, helped me pay my academic finances. Now its time to sell again! This time around its time to get rid of useless debt.
Now that I’ve decided to ghost the world and become anti-social with these money-sucking outings with friends, I will suggest cheaper alternatives to connecting with friends. A text message, phone call, walk by the park or dinner at home will go a long way with your funds. Telling friends and family you can’t go out to spend because you are tight with money is not a big deal, just be honest! Your true friends and family will understand. Everyone has bills and there will be times where you have to set your priorities straight. Now is the time to do so! September has officially begun.