Today: I am a person who is so undisciplined when it comes to spending. I am concious everytime I spend and I know when I am loosing money. I also know when I get to spend on things which are not practical and I always feel the urge to spend on things of my wants and not of my needs. This is actually a mortal sin given that I know that I am advocating to my sons that they should save and invest and that money is not something that I can easily earn. The thing is I am this way eversince. Probably because of the way I was brought up and how I was disciplined. My parents had given me what I always wanted and in that I have that feeling that I can get whatever I want even if it is through borrowed money.
And the thing that made this worse is that I am given a credit card. It was so hard for me to understand how this evil works and until now I still am indebted to this evil. I still get to use it freely and sometimes forget that I eventually am growing my debt and enabling my spending.
Tommorrow: Three months from now I would have worked on that concious effort to stop using my credit card unless it is an official trip or on official business. All other expense I would only spend and use up if I have the extra cash and if it is a need. I would have mastered some of the traits of being an economical person. I would be doing my best to be very disciplined in this undertaking until such time that all my credit card debts are paid off.
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