kDYMOT

I wrote a reply and then lost it, but basically, ... when I was a kid, we were able to go to the grocery store and get a half gallon of ice cream or whatever and just say charge it.  My mom and most of the mom's in the hood had credit with the local little corner store.  It was my first lesson, 7 -8 years old where  I learned how easy it is to charge something.

Wow, what a lesson that was.  Not good.  Thank you for the encouraging words I really appreciate them.  I will keep pushing that snow ball!  Its so hard!

I keep thinking to myself I wonder what would I be doing right now if I didn't come to realize my money issues.  I mean, I always knew I was in debt, maybe not so much debt, but I knew it.  I justified by saying all kinds of odd things to myself.  It freaks me out to wonder ... I mean, today is my off friday, I would get up go to the store and spend spend spend.  I am a little at a loss of what to do anymore on my days off, but I try to clean and organize and just be happy with what I have... I still would love to go shopping!  ;-)

Another heavy sigh!!!! 

So sorry that you are having such a hard time, It would lead a kid to think that "charging" things was easy and maybe even acceptable! My mother never really talked to me about how to save or what to do first when bills came in..So at the ripe age of 23 i was on my own and with a baby to boot..had no idea what to do! how do i pay a bill? So after many phone calls home..I seem to get it! At one point i had -$7 in my account ..I think that was my wake up call. Debt is never fun and takes alot of disipline to get rid of it. So good luck at getting a start on it, Prayers to all 

I think small steps like these can help save a lot in the long run. It needs discipline and that strong will to save and be frugal. Thank you for the advice!