Every once in a while, I take a look back at where we were and how we got there. It's not a pretty picture, but it keeps me motivated to stay the course.
A huge amount of our debt is the result of the insane costs associated with having a child with complicated special needs. Necessary equipment that insurance considers "a luxury" (like a bathroom seat and a wheelchair ramp ...). Doctors, hospitals, therapists, caregivers ... they all cost big bucks and while our insurance is good, there are still co-pays, deductibles and denials.
But I can't blame it all on the medical costs. There was a lot of dumb packaged in there. What was the dumbest, you might ask? Well, I asked myself that very question. And, oh my. ...
We bought a dog. And paid for him with a credit card.
Yes, we charged a dog. I can barely type that without kicking my former self into next year.
Who in their right mind would think that's OK? Oh, yeah. We did. I quit looking at past purchases after that. Because that right there says it all.
Life is so much better now that we pay cash. This year, we've even managed to take care of some much-needed and long-neglected home repairs/maintenance. Always in cash. Maybe there's hope for us after all.
Anyone else want to share stupid purchases so I don't feel all alone in this?