I started getting into the debt-free community a couple months ago. I knew absolutely nothing and like most others I had the mentality that debt is just going to be a part of my life. Inherently I’m an impulse buyer. Anything that is on sale or would serve even the tiniest purpose in my life I would buy. I go into stores and purposely try to find things to buy because my brain gets excitement from that. Growing up I learned to find things on sale and to stock up on items that are cheap even if they might not serve a purpose. Now that I have been doing research about budgeting and paying off debts I’ve noticed myself changing my habits and thoughts. Mind you, this is no easy task. I still have the inclination to overbuy/overspend and I still have the mentality that I should be stocking up on things that I don’t need. I’m working on pushing those thoughts out of my head when I go shopping.
When I first started budgeting I would feel disappointed by the restrictions on our shopping; I would think that if only we could spend more then I would be happier. I’m noticing now that I get that same excitement from saving our money and being mindful about our purchases. Having a reign on our money makes me feel a few things: 1. Less stressed about paying off bills because I know I will have enough money, 2. I feel hopeful because I know we can budget and save for things like vacations, and 3. Less guilt about spending money because I’m aware of where all my money is going to. Something that used to give me the most anxiety was opening up my banking app to see my account balance. I’ve gotten to the point where I check it a few times per week and I get excited on payday to allocate money to my bills/debts.
My debt payoff system and savings system is not perfect and not near where I want it to be yet, but everyday I’m working on it and figuring out how I want it to be. This change doesn’t have to be overnight (like I initially wanted it to be). We live in a consumer society where money and buying things are everything. It takes a lot of time and concentrated effort to train your brain not to think in that way. In my journey, changing my thoughts and behaviors came first. Now I’ll work on my plan and systems. If you have anything that works I’d love to hear your thoughts!