I dislike being wise with my money, but I do it anyways. Its nice to know that it will pay off in a few years, but it really sucks right now. So many things I want to buy, things for my house, a new car, fancy kitchen items and lots of cookbooks, plants for my yard, new camera equipment, more fish for dinner, haha!
I cannot bring myself to buy anything over $20 if I'm buying for me. My parents gave me a good amount of money for my birthday and my mom said: "Please spend this on yourself". But I can't do it. Instead I'm putting most of it towards my credit cards, and saving the rest.
I have a goal to be debt free, by the time I'm 25. The way things are going I should be debt free sooner than that if I keep up. Sometimes though I want to get off track. I want to stop paying more than the minimum, and just pay the minimum. I want to take all the extra money we get and buy something nice... Like a fancy mixer or a new car.
Then I remember that having no debt with a little stuff, is a lot better than having lots of stuff, with lots of debt. I'm grateful for a husband that is very wise with money and that is helping me stay on track. I know I'll be grateful when we buy our first car and our first house. I already am grateful that God gives us money to pay our bills and to pay a little more on our credit cards each month. I'm grateful we're able to eat and buy gas. I'm grateful that when we have needs, those are more than met. Although I want more sometimes, God gives me all that I need and never does He give me any less.
He gives me so much more in other ways.