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: 11-14-2008
Sat, 01-26-2013 - 11:29am

You have to make your new normal because you can't change those things you mentioned.. Can you pick up more work or cut something? Then when this debt is really paid off you will feel like you have given yourself a raise because you have cut that expense for good. Don't give up!

iVillage Member
Registered: 04-08-2008
Sat, 01-26-2013 - 1:37am

Yes, it seems like we go through cycles like all the time. Right now, I feel optimistic but I was there a few short weeks ago.

Then my Dh started getting more hours and I've picked up some extra work on the side. With school FT, work FT and the extra work - I am stretched thin and missing valuable time with my young children. But I'm too old to wait any longer! Time to get this done and over with :)

What can you do? Can you pick up extra work? Switch cable plans? Switch to a cheaper cellphone deal? Cut down on something?

The faster we pay down debt, the faster those payments go to living!