Feeling a little discouraged

iVillage Member
Registered: 12-16-2012
Feeling a little discouraged
Fri, 01-25-2013 - 8:04pm

I guess I'm just wishing I had a bigger shovel to dig with. Since the beginning of the year my pay has went down(the tax thing and my insurance cost up) and some bills have increased like my cable,house/car insurance I am just like really?? Can I not get a brake here!! Anyone else feeling the same way??

i just want to make real progress on my cc's but it seems like it will take forever!



iVillage Member
Registered: 02-11-2006
Wed, 01-30-2013 - 3:09pm
Thanks, Marie! My husband has an option to automatically increase his contributions by 1% each year, and we've signed up for that. Otherwise, we'd probably never get around to doing it and convince ourselves we couldn't afford it. It's tight, yes, but I'm starting to think we need things to be tight or we're not disciplined enough.
Community Leader
Registered: 08-25-2006
Fri, 02-01-2013 - 4:36pm

Michelle - 

I hear ya!  Yes, it does seem that inflation has hit harder than I ever recall in the past.  I could be wrong, as I don't have hard figures to back it up, but I agree that it seems everything increased at the same time, and at a larger than normal rate.  And let's not get going on the cost of fuel over the last 4 years.  Then you add the ramifications of the economy down turn in 2009, the changes in CC regulations, and it did effect everyone in one way or another.  

Some days Michelle, I have to be okay (like PoorBoy touched on) with where I am today.  For example, the irony of my situation is by maxing out my CC, I can't really get any farther in debt!  Well, I suppose I could find a way, Surprised  

We all have our own journey and our own lessons to learn.  I had to max my card out (again, for the third time) before I finally surrendered to needing to find that bigger shovel to dig with.  Along with cutting back, of course.

When I was in middle of my second divorce, I went from driving a brand new company earned car to a $200 car that overheated in every drive through.  My water was turned off every other month, etc. etc.  Once you surrender and are just simply toast, things are ironicly easier.  

"Who wants to admit complete defeat?  Practically no one, of course."  Twelve and Twelve, Bill Wilson, founder of Alcoholics Annonymous.