I believe it was a Saturday or Sunday and my direct deposit wasn’t processed before the cutoff. So I had a check on its way but on that day, that didn’t matter. I had nearly no money to my name. I had at best $50 in savings and my credit card was essentially maxed. I was trying not to lose my freaking mind as this was not a place I wanted to be.
This morning when my paycheck hit and while my coffee brewed, I transferred money to my savings account (which is climbing into a 3 month emergency fund), and made a payment on my credit card because I wanted to – not because I needed to – which is well below the limit. I looked at what the rest of my month has coming up to budget out my fun money and considered what additional amounts I can throw at my student loans. All of my other bills are currently on auto pay and I reap benefits on a few with deceased dollar or interest rate amounts for those scheduled payments.
I’m in such a better place than I was a year ago because I just kinda buckled down and decided that being better off at an undetermined time was better than pretending I could afford x, y, or z. Thanks to all in this PF community for sharing their stories of trial & error as learning from your experiences lead to my own small successes. This has definitely not always been a linear path but reflecting on how I felt a year ago and how I feel today has been a great reminder to keep going.