There is no end in sight

When I was hoping to get a raise at the end of the year, I was already starting to budget for things that I normally could not afford.

I wanted a current car, a better cell iphone, & a new work wardrobe.

My fixation pushed me to visit numerous vehicle dealerships for test drives, & I even went as far as negotiating a potential price if I was given the raise. With the cell iphone & task wardrobe, I had credit cards to cover both while waiting for the raise. This was my major mistake, as the long awaited raise was never given to me. Around the time that I realized that I amassed more than one thousand dollars of extra credit card debt since I had foolishly counted on money that did not yet exist, I was disgusted with myself along with my behavior. I cannot believe I entirely spent money I did not even have at this point, and now I am paying the price in more ways than one! With no raise & current credit card expenses to pay, I wasn’t happy when my electricity bill kept increasing over a 12 month time span. I kept wondering if my home had different energy demands for different parts of the year, but I kept seeing an increase with all other variables the same. I called to have a full Heating, Ventilation, & A/C checkup just hoping that there was an explanation that involved my heating & cooling idea with regards to my increasing electricity bill. Little did I know, my air conditioner & furnace had reached their natural demise & the idea needed to be switched out. Thankfully now that I have a current central heating & cooling idea in my house, my electricity bills are always affordable month after week. That just leaves me with the credit card debt to sort out.

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