How do you come back after deviating from the plan that you created for yourself?
Coming back is no where near as easy as making the mistakes that got you into the dilemma in the first place. Earlier this week I discussed the mistakes made that contributed to my setback. If you want your edges snatched, then check out My Story and All Her Blemishes and Bad Money Habits.
Like I let y'all know before I was responsible for my situation. I did not control my credit card swiping even after I paid off the balance the first time. Overspending is real y'all.
These setbacks led me to my greatest victory! I was tired of moving backward instead of forward. I made the decision to get my life together and to place every single setback behind me. But I ensured that I learned a lesson from every mistake.
❌Overspending on my credit card?
✔️Remove the temptation of credit cards from my wallet. This removed the need to make purchases on my credit card but instead forced me to use cash for 90% of my purchases. I did keep a credit card on my person but I only used it in rare instances.
I was determined not to make the same mistakes again so I fixed another setback.
❌Not tracking spending?
✔️Create a tracking worksheet that allowed me to account for where all of my money was going on a daily, weekly, and monthly basis, Everyone should track there spending. If you don't want to do it by hand use, then use an app like Mint. However, if you are a pen to paper person or a computer person, then subscribe to receive 3 Free budgeting Worksheets and the Free Get My Budget Together course. .
✔️Start Budgeting and learning everything I could to better track and monitor where my money was going. Every single dollar should have a place and that was my mission when I started incorporating budgeting into my monthly and daily habits.