I spent a good chunk of today re-reading my own old blog posts. It really puts things into perspective. When I started this blog I was $22K in debt (currently $6K) and -$19K (currently +$6,200) net worth. That's an increase of +$12,800 in net worth over 2 years without owning a home or a car. I'm pretty happy with this.
However, my attitude towards money hasn't changed that much. I still overspend on stuff I don't need. I still use my credit card(s) as a crutch and I still don't track and budget like a person should.
I keep thinking about wasted money and how I probably could have had all my debt paid off by now if I didn't keep making the same dumb decisions. I think I need to keep using this blog to keep myself accountable, even if its hard. I found that when I was at my most honest about my money, I kept myself (mostly) out of trouble. That's where I need to be going forward.
I'm not too sure how that's going to pan out for the next 2 months with the Christmas spending craziness that happens around this time of year. But I know that I can do better I just need to try harder.
When you look back, what's your perspective of the past?