Money is a pain when you haven’t really got enough… and when you are used to having a certain amount then it is a problem trying to get by on less.
I haven’t really got any cause to complain. I am in a job which pays, I have been in my house, which we are buying on a mortgage, for more than a decade, and in ten years it will be mortgage free. But I used to earn in the order of £10k more than I do now, and the change is still taking some getting used to.
On the upside, I live in a country with a national health system so I don’t have to worry about medical insurance, my daughter is in a good infants school which we don’t have to pay for, so I guess the important things are covered.
I need to return to my ‘normal’ state of thinking, a more ‘glass half full’ state of mind than a ‘glass half empty’ one.
And I need to do the various bits and pieces which will make sure that I am paying my way, budget my spending properly etc. My aim should be to be debt free (apart from the mortgage) at the end of 2013.Some things to help:
- Consider doing some extra out-of-hours work, possibly freelancing.
- Pay down credit card bills so that I am not paying interest
- Only buy things I need 23 months ago