Hi, my name is Kat and I’m broke.
I am so fucking broke it’s ridiculous. I got another credit card bill yesterday and almost fell on the floor when I saw the balance. Yes, yes I know that I’m not supposed to carry a balance month-to-month. Yes, I know I’m supposed to pay off the bill in full each time I get it. Yes I know all this. I just can’t afford to!
It’s not like I’ve put any new charges. I vow not to put any new charges. These are all Christmas related purchases and accruing old balance. Like I said before, my goal this year is to pay off the whole thing. It’ll probably take me a good year. It’s just so disheartening and daunting to see this huge figure on the bottom of the statement. I have no choice but to slowly pay if off month by month. This means of course, that the interest will also accrue. Woe is me. Last night, I seriously considered selling my jewelry or some of my designer bags (which I hardly use anyway). I’m really panicking. Truth is, I know I can do pay it off eventually. I’d like to just get rid of it once and for all and start saving anew. I have a lot of things I’m saving up for such as an upcoming shower, a new fridge, a bachelorette party (in Miami), and my parents’ wedding anniversary. But I can’t start saving because I need the money to pay off my monthly debts. It’s a vicious cycle.
I have no choice but to suck it up and bear the weight. I’m going to have to say no to a lot of invites to do things, dinners, group outings (unless the hubs comes along too). I was never the type to use the “I’m broke” card just to get out of an invite to do something. (Because I believe that if you really want to do something, you’d do it, broke or not). But now, I’m actually going to have to honestly say that I’m too broke to go out. Man, I feel like such a loser. I’m 28 years old, have virtually no savings, a huge credit card balance, and nothing else to show for.
I'm peeved. Can you tell?