Confession time; I am terrible with money. It’s probably no surprise given how much I love to shop, but I have to start being responsible. I’m going to get really personal with you all and give you a bit of background into the state of my personal finances. As many of you know, I spent quite a few years bed ridden from Fibromyalgia, and then a couple more years getting better at a tediously slow pace, but getting better nonetheless. It took a long time for me to learn to live with the pain and start working again.
Obviously, I had to start by just working part time a few hours each week, and as I continued to make progress I was ultimately able to increase how many hours I worked. After so many years of struggling and basically going through hell, once I started working and had an income again the last thing I wanted to do was worry about being careful with money. In other words, I treated myself. The thing I wanted more than anything was a holiday. I had 7 years without one, and all I wanted was to go back to Disney World once I knew I could handle it physically. This is where I was very naughty money wise. Yes, I got my dream holiday which I feel was highly deserved to Disney World in December 2016, and had the absolute best time. But then 2017 started, I had a really bad flare up of my pain (which is why I had to take a long break from blogging), I worked extremely hard to get better again, got a new job, and then thought I deserved to go back to Disney World AGAIN in November 2017, because if I haven’t said it enough in every other post, it’s my favourite place in the world and I LOVE IT SO MUCH!! I worked my butt off doing overtime at work to pay for it, and I was extremely careful with my money because I had something to save for, something I desperately wanted. And that was all fine. But then when I got there this time, I went a little bit crazier than usual, bought wayyyyy too much stuff, had to take out a 0% credit card and I’m now stuck with paying it off. And to worsen things, we’ve had to buy some big homeware purchases in the last few weeks such as a new bed, which was not cheap. So to sum up, we have debt.