I went on a road trip once with a few dope ladies. We drove my car the sixteen hours, blasted music and gassed up the car a few times. We hit up an expensive nightclub, where I had many, many, many drinks – and kissed a complete stranger (YUCK). We ate at some pretty decent restaurants and at my behest stopped at a HUGE mall where I racked up on shoes, clothes, and accessories. And by racked up I mean I swiped my debit card until I only had $28 left to return home with. Did I realize this or even care in the moment, of course not. I was completely oblivious to it. It wasn’t until it was time to return home, and it was my turn to gas up the car that I realized I only had $28 left.
Picture this, a pretty sassy babe (me), standing at the pump, pulling up my online banking only to realize that if I filled up my car I wouldn’t have any money once I got back home…. Would’ve made since for me to swallow my pride and let my girls know that I had overdone it right? And maybe even consider asking for help? Ha, not me! At that point in my life I was pretty good at living my secret, broke life. I knew that if I processed the transaction as credit that the bank would only hold $1 and not the full $22.50 so I swiped my card, filled up my tank, got in the car and complained about being hungry – which I’m pretty sure led to a fast food stop because I wasn’t really broke yet right (ugh).
This story and many others lead to me constantly being on the line with my bank fussing about overdraft fees and negative balances. I had convinced myself that the big, bad, banks were taking advantage of me and when that got old I convinced myself that I just didn’t make enough money to live the life I wanted to. It would take me many years after this occurrence and many others to get myself together. Please don’t let this be you! If you’re a babe, living a secret, broke life I urge you to get a grip AND a budget NOW because in doing so you’ll open up so many possibilities for yourself and you’ll experience a sense of freedom like no other.
With a budget and a less prideful attitude I’ve been able to pay off $31,000 in debt, pad my emergency account and leave my corporate job (with 2 years worth of expenses saved), to leap into a commission-based career that I love. I’ve traveled to some pretty fun places and was still able to return home with money! I haven’t paid an overdraft fee, a late fee, or any other unnecessary fees in years and I feel pretty good about that! Now instead of being a broke babe I’m a frugal babe and I have no regrets. I slip and “fall” and backslide every once in a while but I’ll never be able to go back to my old lifestyle. It’s totally not worth it. If you need help with your finances and can’t seem to find a way to get ahead admit that to yourself first. Be accountable, be real, and be honest. After that seek help and put your all into it. You won’t regret it!
You can follow Renita on Instagram: @budget___enthusiast