The reality of debt is that you can't afford to have the things you want even though your technically making enough money to have them. Right now, things should be okay for me. I make decent money and my husband comes through with his child support every week. But since we have all this debt, I spend most of my money on debt payments. Money I could be saving, putting towards goals, and enjoying my life with.
The job I have now is my first "professional" position. I have my own office, and I have my own house (even if I rent). Ideally right now I'd be gearing up to buy this house, perhaps living on a similar budget but socking that debt money away for a nice downpayment. As for my office, I really want to decorate it. I bought a flowerpot for the windowsill today to do so, and all I could think was a) that 9 dollars should have gone to my debt, and b) if I didn't have debt, I could be buying this pot, and whatever else I wanted, guilt free. In short- this sucks.
I'm starting to get frustrated. I don't feel like I'm making progress lately because I took some time off to save up that emergency fund. And I got a raise, but its all going towards oil for the winter. I, like many people, am feeling like I just can't get ahead. I don't know how much more I can pare down before its too much and I lose heart entirely.
Maybe I'm just hormonal right now, or I just need that next big bill payoff to rev me up again. Luckily, I think that is at the end of this month. So, yeah. Up yours, citibank.