I have a confession to make. I am a super budget freak. I’m a goal setting person for sure! I love numbers and knowing that everything is where it is going.
I’m not your average “20-something.” Obviously, because I am working my butt off to pay off those debts that I have!
I always here so many people say “Wow, I wish I had the money to ____.”(insert some activity that isn’t really that expensive. ie. A concert, traveling, paying off debt, starting a small business). This is the phrase that always causes me to roll my eyes. It is not because I don’t understand that people have responsibilities and things to pay. I do understand because I have responsibilities. It is that 7 out of the 10 people (definitely made that number up) that utter this phrase to me lately have a Starbucks cup in their hand.
Last year, I spent 3-4 full weeks traveling to a ton of different places. I went on a road trip to Wyoming, Idaho, Utah and Colorado. I flew to Florida to see my sister before she moved. There were Christmas lights in Texas that I just HAD to see! I would not trade those experiences for anything in the world.
When I stay late at work or pick up extra shifts, it isn’t to pay rent or the electric bill.When I turn down people for dining out and getting drinks because I am “broke,” I don’t mean that I don’t have money. I mean that I haven’t put any money aside in my budget for drinks and dining out right now. I limit what I spend going out because I am have other priorities for where my money is going. Without my budget, I would have never been able to travel that much while still paying all of my bills.
The number one reason why I hate hearing that dreaded phrase is because I am a 22 year old waitress. I work, budget, and make sacrifices according to my plans. If I am planning to travel, I will cut back on things like getting my toes done or eating out. Now I am planning to pay off debt, so I have cut back on things and taken a closer look at the things that I really need in my life to accomplish what I want to get done.
After all of my debt is paid off, my goal is to pay off all of my debt so I can buy my own house in cash. Absolutely no mortgage will be taken out for me.