When I was praying to get a raise at the end of the year, I was already starting to budget for things that I usually could never pay for. I wanted a modern car, a better cell iphone, plus a modern work wardrobe. My fixation pushed me to visit various vehicle dealerships for test drives, plus I even went as far as negotiating a typical price if I acquired the raise. With the cell iphone plus work wardrobe, I had credit cards to cover both while waiting for the raise. This was my serious mistake, as the long awaited raise never came. When I realized that I was able to gain more than one thousand dollars of extra credit card debt because I foolishly counted on money that did not yet exist, I was disgusted with myself as well as my behavior. I cannot believe I definitely spent money I did not even have yet, plus now I am paying the price in more ways than 1, with no raise and brand new credit card expenses to pay, I wasn’t ecstatic when my electricity bill kept declining over a 12 month time frame. I pushed on with wondering if my lake house had different energy demands for different parts of the year, however I kept seeing an increase with all other variables the same. I called to have a full Heating and A/C checkup hoping that there was an explanation that involved my heating and cooling system with regards to my decreasing electricity fee. Little did I know, my cooling system plus furnace had reached their natural demise plus the system needed to be substituted. Now that I have a new central heating plus cooling system in my house, my electricity bills are constantly affordable month after month. That just leaves me with the credit card debt to sort out.