No-ones fault but my own…cookies anyone?

You made your bed…now lie in it.

You made your debt – now pay it off. I built a debt monster with no-one else’s help. All my own decisions. My own choices. My own procrastination. My own avoidance of the problem. My own *stick fingers in ears and sing la la la la*

So now there is nobody to blame but me. Oh, and how frustrating that is 😉 I love a good blame when Im in a shitty mood and frustrated with circumstances. Don’t we all? 

But guess what….I got me into this and I gotta get me out. When I get frustrated at how slow this process seems to be, or the things I want that I can’t buy, or the next step I want to take but can’t afford too (aka, moving out of home to cease this 4 hour daily commute that is frankly doing my head in) well, I just have to suck it up and get on with it. 

It’s been quite a learning curve on responsibility to be honest. I consider myself a fairly responsible person of the adult kind but what I did financially was irresponsible. And now I am paying the price. Literally.

What’s interesting, is in other ‘ok, I’m in a bit of shit’ circumstances, there is often more than 1 option on a way out. Missed a deadline at work? Plead with your boss for an extension (and bring cookies to sweeten the deal) Forgot a friends birthday? Send an extra huge bunch of flowers the next day (also send cookies to sweeten the deal)

I’ll tell you something. There is NO OTHER OPTION with debt. Pay it off or get in deeper. Credit card companies don’t give a stuff about cookies (I know, crazy right! Who would waive a few thousand dollars debt for a box of macadamia and white choc chunk cookies?!)

Anyways, what I’m trying to say is, while this process is certainly teaching me about finances, it’s also teaching me about myself and how I tackle problems. I haven’t given up when it’s tough (sure, I’ve slipped a little here and there) but I’m facing it head on. Because it’s the only choice I have. And for all the frustrating times, there are a lot of satisfying ‘yep, I’m taking control and doing the best I can’ moments too.

And that my friends, deserves a cookie. 

11 thoughts on “No-ones fault but my own…cookies anyone?

  1. A cookie and a happy hour coffee.

  2. It’s not easy but it’s all going to be worth it when you’re debt free! I guess trying not to spend too much becomes a habit… I can most certainly tell that I think twice now before buying something that I don’t need, and most of the time I don’t buy! Cookies, on the other hand, I always NEED 😉

  3. I would say skip the coffee…you deserve a cookie, and a cocktail!

  4. JT says:

    I facilitate a class that was developed by “Dave Ramsey” called “Financial Peace University” It sounds like you are headed down the right path.

  5. Yeah. I agree. Sometimes it is really easy to beat ourselves up. However; we are on the process of paying off our debt and that should count for something.

  6. […] You are in debt because of you. If you acknowledge you are in debt but refuse to blame yourself, well, you are going to get no-where fast. The most important thing is making a financial life change is the long term change or bad financial habits or behaviours. If you are looking around at everyone else to blame for your situation, you will never change the habits that got you there in the first place. […]

Leave a Reply to payoffbefore30 Cancel reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

Forks in the Road

the intersection of food and travel

Single Girl's Guide to Becoming Debt Free

And the lessons she's learned along the way!

saving{s} grace blog

a journey to financial freedom through following Jesus

Double Debt Single Woman

a single woman paying off over $140,000 of debt

The Healthful Saver

The Quest for Healthy Savings and a Healthy Lifestyle

I Make My Bed

A Walk through a Change in my Finances

Making My Way to Zero

Making my way to zero one day at a time

Living Awesome

A Road to Happiness, Success and Fulfillment

Life in the Orchard

A Little Crafting, Cooking, Gardening and Living


I made my bed, and now I must lie in it!

Girl Counting Pennies

My Journey to Debt Freedom and Financial Independence

Budget in the City

Managing dollars to make cents!


Getting out of debt

%d bloggers like this: