Debt has beccome an unfortunate fact of life for many Americans. I’m there myself. It’s difficult to admit that you’re behind on bills that you shouldn’t be behind on. I feel intense guilt for not being a capable enough individual to pay back the credit that I had racked up when I was younger. People are not perfect. The average individual knows little about their finances. I only recall a single finances class while I was in high school which is a time it should have been instilled. Now, I’m contacting professional recovery consultants every week in what feels like a vain attempt to untangle the mess that my finances have become.
In the end, I have nobody but myself to blame. I should have possessed, or worked harder to possess, the discipline and self-control to monitor my budgeting. It’s because of this that I lost control of my finances which has set my back several years of saving for retirement. It’s foolish that I am now 31 years old without a single cent put away for my retirement. I already know that my years as a senior citizen are going to be fraught with difficulties. The struggle will be far more acute.
I don’t know what I’ll do. I am certain that I do have to try much, much harder. I am going to have to work constantly. Both at my place of employment and here at home, pouring over my budget while I attempt to fix what I’ve done wrong. It’s a mountain but it’s not as if I’m incapable of it – I hope not, at least. Staying positive has admittedly become more difficult as of late. The reality of the situation is quite overwhelming and I can only take one step at a time to prepare myself for the worst.