You’ve learned to rely too much on credit.
You’re a master of juggling multiple credit cards and loans – some with 15% interest, maybe even some with over 30% interest.
You have so many questions about what to pay off first – if it’s smart to consolidate, refinance, or when to start saving.
At this rate, you’re not sure if you can get (and then stay) debt-free.
You’ve learned that money is stressful.
You know this one all too well. Your precious energy is wasted stressing about how you’re going to pay for things. It doesn’t help that your family or partner isn’t on board, so you feel alone figuring this out.
And since you’re afraid of doing the wrong thing… most of the time, you don’t do anything. Then you splurge because you’re so sick of saying NO to the things you want and need…
Mastering this money thing seems like it will take years – and you don’t have that because you’re working so much just to keep up!
True, you’ve learned a few good tricks from an expert or two.
You take their advice and do some things, without understanding the full picture. You start a budget. Then stop. You take time to get organized. Then you go back to throwing things in a pile. It all feels draining and haphazard – because it is. There is no system.
Inevitably, these fits and starts backfire on you… and the worst part is that it only provides you with more evidence that dealing with money is scary, hard, and all around terrible. You just can’t seem to keep the momentum going in the long run.
And the crazy thing is that no one you know is talking about how to make more money or spend it wisely… Actually, you’re afraid to make more money because they’d probably just hit you up for some!