Hi, a little about me. I am 29 years old separated from my former fiancé who is also the mother of our 5 yr old awesome daughter. We owned a condo together which I gave her and moved in with my mother :( so I am saving money there but I just can’t seem to stop spending money and its not on big purchases either I currently work as a contractor(temp job) ends in October of this year so I am in a time crunch to try and save a little emergency fund for while I’m looking for another job which I am constantly looking already.
I am in school and yes have already about 30k in student loan debt which I don’t have to repay till I graduate.
I have around 15k in credit card debt some was due to my separation and not realizing how hard it would be on my own , before I moved in with my mom I had an apartment for 2 years and got into a lot of debt just staying current on everything. I’ve read to of your books already and defin itely feel that I am in the acceptance phase.
I know I am not good with my finances and I know it is all my fault and I am ready to change it. I am a very introverted person and hate relying on friends and family for support so talking to you is a big step for me.
I have five credit card accounts with only one open still due to lack of payments. Please help!!! Thank you in advance.
Need help developing a plan and sticking to it.
What should be my next step.
I need ideas on how to stop spending money on little pointless things like drinks and fast food and misc stuff.
I need a budgeting system that works for me.
Also looking for tools to help me achieve my goals.
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.I Just Can't Seem to Stop Spending Money. - Chase by Steve Rhode