I have been living on a tight budget since I quit my job at the cafeteria in September. I had enough money to hold me through for a while, but I knew the day would come when I ran out.
That meant I was stuck for about 2 and a half months without any source of income to support myself. And, well, I still had to put gas in the car and buy groceries.
After a month, my credit card bill came in. I don’t want to mention the total amount, but it was sickening. By the time my first paycheck came in, I knew it would take a few paychecks to be able to pay off my card.
While I was dealing with this stressful situation, a “friend” from Murray mentioned my credit card and I was honest that I do have some credit card debt. He chastised me– and honestly, it ticked me off. My financial situation is none of his business and I had to make ends meet somehow.
I mean, I did make a few mistakes, like spending over $500 shopping. But the majority of the credit card debt is due to gasoline, groceries, and bills.
I’ve really tightened my budget, and I should be able to pay off my credit card by the beginning of July. Then, I can start saving for an apartment, which I plan to move into in October or November.
It is scary dabbling in credit card debt, but I know that was the only way I could survive. I have started a cash-only budget for purchases like food and clothing. I will only be using my credit card for filling up my car and paying it off in full each month.
How long did it take you to pay it off?