Embracing Financial Reality
As I reflect on my short twenty-three years, I’m reminded of the numerous financial missteps I’ve taken. Those store and bank credit cards seemed like a great idea at nineteen, but they quickly turned into a debt trap. I thought I was building my credit, but in reality, I was accumulating debt on overpriced lingerie and takeout.
The Necessity of Side Hustles
We all know the importance of having a side hustle, especially when you’re stuck in an entry-level job. Even with a full-time position, my salary doesn’t leave much room for flexibility. To pay off my debt and indulge in the occasional luxury, I’ve had to rely on my part-time job as a cashier at a beauty store.
The Weight of Small-Town Gossip
Living in a small town can be challenging, especially when everyone knows your business. I often find myself making excuses or justifying my part-time job to acquaintances, as if I owe them an explanation. But why should I apologize for taking control of my finances?
Breaking Free from Embarrassment
Here are some valuable lessons I’ve learned on my journey to financial responsibility:
1. Own Your Choices
When you bump into someone you know, don’t feel obligated to explain your situation. Take pride in your decision to increase your income and pay off debt. You don’t owe anyone an explanation.
2. Stop Comparing
Comparing your situation to others can be toxic. Focus on your own goals and work towards achieving them. Remember, everyone has their own struggles and privileges.
3. Embrace Frugality
Don’t be ashamed of being thrifty. Using coupons, buying generic products, and saving apps like Ibotta can make a significant difference in your finances.
4. Visualize Success
Imagine the feeling of being debt-free and financially secure. This vision will motivate you to keep pushing forward, even when dealing with difficult customers.
5. Practice Gratitude
Be thankful for the opportunities you have, including your side hustle. Remember, it’s a stepping stone to financial freedom.
By embracing these principles, I’ve learned to stop feeling embarrassed about my current situation and focus on changing it. If that means working a part-time job that’s not ideal, then so be it. The extra income is worth it.
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