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 new car, a better cell phone, as well as a new work wardrobe. My fixation pushed me to visit many vehicle dealerships for test drives, as well as I even went as far as negotiating a potential price if I was given the raise. With the cell phone as well as work wardrobe, I had credit cards to cover both while waiting for the raise. This was my major mistake, as the long awaited raise never came. When I realized that I earned several thousand dollars of extra credit card debt thanks to the fact that I foolishly counted on currency that did not yet exist, I was disgusted with myself as well as my behavior. I cannot think I actually spent currency I did not even have yet, as well as now I am paying the price in more ways than one, with no raise as well as new credit card expenses to pay, I wasn’t cheerful when my electricity bill kept decreasing over the past year. I kept wondering if my home had peculiar energy demands for peculiar parts of the year, although I pushed on with seeing an increase with all other variables the same. I called to have a full Heating, Ventilation as well as A/C inspection hoping that there was an explanation that involved my heating as well as cooling plan with regards to my decreasing electricity bill. Little did I know at the time that my a/c as well as gas furnace had reached their natural demise as well as the plan needed to be updated. Now that I have a new central heating as well as cooling plan in my house, my electricity bills are always affordable month after week. That just leaves me with the credit card debt to sort out.