It’s amazing how couponing changes your frame of mind when it comes to your finances.
Am I financially responsible, well the answer to that is yes, based upon what my credit bureau says. I pay my bills on time and so forth and with the knowledge I have from having worked in the finance industry for the past 19 years, you would think I would be the type of person who would handle my finances well.
Boy is that WRONG! It seems like my financial life was always up and down. When I felt overly stressed because it never seemed like I had any money, I totaled up my bills and be in shock! My finances were well outta control. I’d worked so hard to get the bills down and it would happen again. What was I doing to cause this roller coaster ride? After thinking about it, I realized that my frame of thought, on how I purchased things, was to ask myself whether I could afford the minimum payment. The answer to that always seems to be yes. $35 a/month was doable. Until you add up all of those $35 a/month payments and then it’s no longer manageable.
I can see how my dumb way of thinking is how I got myself into debt! It was a true eye opener for me. But learning how to save money is another story. That’s where couponing came in. Couponing is work! It takes time to look for the best deals and save money. It automatically changed me to think about saving in all areas. I started thinking why would I want to ruin the time I have spent to charge up a credit card or abuse it on something useless. I no longer think twice about using a credit card, because my frame of mind now is to save as much as I can with my coupons.
With couponing I’m building my stockpile and savings, but the difficulty I have now is I don’t want to let go of any of it. I never want to touch my stockpile because then I have to build it up again. But before couponing I never had a stockpile. It’s the same feeling with the money I am saving. My funds are growing but I don’t want to spend it to pay down some of our bills, because I’ll have to build it up again.
That sounds so dumb and I know how much money I’m wasting away on interest, etc. I just need to get over the fear of having no savings at all, which was the way it was before I started couponing but now that I have it, I sure do like it.