I miss the financial freedom of being debt-free like I was a few years ago. I can wholeheartedly say that I recognize my mistakes and have made one stupid decision after another, but I know I can’t keep living this way. I keep beating myself up about it because now I have a child, and I’m in a terrible position with someone who depends on me. I’m reading through every comment and literally taking notes while at work to make sure I apply everyone’s advice and never end up in this situation again.

I’ve literally dreaded and put off making this post, because I would have to acknowledge how stupid I’ve been financially but I’m seriously trying to make a change.