Today when I wrote in my journal, I thought about how far I have come since moving here. Three years does not sound like much time. I felt so poor and down about myself at that time. If it wasn't for Sonny always complimenting me and helping me. One of the first times he came to my new apartment, while he was in the bathroom he looked through my cabinet and saw I did not have many of the products a woman usually has.........part of a bottle of shampoo and one of conditioner and bar of homemade soap. He says to me, "let's go to Walmart." Once there he starts telling me to pick out what I need, Then he adds stuff to the cart not only personal products but household cleaning products too. I had planned on buying some of these things when I got my check but after I paid my bills. I was used to conserving.
I found a document that I wrote in probably sometime between 2015-2017. I am pleased to know I actually did something about this and now feel like I am still moving forward in my life. This is what I wrote:
"“I want to move to an apartment in Norwich. I do not want to have to own a car. That alone would save me tons of money. No insurance, no inspections, no repairs, no gas, no registrations or plates. Yes, that is what I need to do. Same with having an apartment. Rent and utilities. Make the most of those utilities. The Senior Housing in Norwich has electric heat, total electric apartment. So I would just pay for that. I know how to conserve. My biggest problem is my loan and credit cards. If I could pay them up before I moved it would be great, but I can’t see how I could do that. My check is only $475. a month. Half of it goes to the debt. I have been struggling to find a way to pay them down, but I need more income. Or something.’
I started out with four credit cards, two retail accounts and one loan from my credit union. Now I have two credit cards that are not maxed out (two with zero balances that I have recently paid off), One retail one that I used to buy my recliner which I will pay off June 1st. The other retail one I paid off last month. That leaves me with three bills to pay, the loan and two credit cards. I am able to pay more on those using the money I used to pay the others with. The key is to not use them. Everything I have bought from Amazon this month I paid with my debit card. If there is something I really want to buy, I now put it on my Wish list and save for it.
I realize I could not have done this on my own. Sonny has helped me. And living here with low rent, low utilities and other benefits for low income has helped a lot. I am thankful and appreciative of all of that too. I feel stupid for ever getting in that situation to begin with. But I did and it is now water under the bridge.