Well, I'm in the middle.
Here's how it's going one week into August:
- I didn't write up an August budget -- my first mistake -- and have been relying on my [often not so stellar] self-control to keep myself from overdrawing my bank account or just overspending in general.
- There were some big purchases I needed to make (i.e. plane tickets to my sisters wedding)
- There were some other purchases I just somehow justified (i.e. a monitor for the desktop computer I was given, clothes, lunch and coffee at work everyday this week), after which I immediately felt buyers remorse and am now freaking out over. Though obviously not enough to return any of the returnable purchases.
- And while the bank account is safe from the threat of over-drawing, I've definitely overspent what my would-be budget would have allowed and subsequently will not be able to put as much toward my credit card this month as I had hoped.
But the good news is that I won't let this last. I'm discouraged, yes, but I'm not done. I think I've just realized that I've worked too hard to give up now. And I'm definitely looking forward to being debt-free too much to stop working towards it. So tomorrow night is set aside for completing my August budget, however difficult it may be after my minor shopping spree a little earlier. I think that's the first step to getting back on track.
This whole ordeal has left me with a question though: For those of you who are also working on getting out of debt, on those days when things were particularly discouraging, how have you managed to avoid giving in and/or giving up?