#OF COURSE IT WAS A TERRIBLE FINANCIAL DECISION BUT YOU WEREN'T EVEN EXPECTING TO BE ALIVE

[goldkirk]

I'm so proud of myself about finances in the past couple months. I still struggle with money but I did enough meditation and journaling and practicing about it to make myself able to actually face my loans and credit cards and savings and bills and start really truly organizing and addressing them for the first time in years instead of just flying by the seat of my pants.

Like. This is a huge deal for me. I've felt like I'm in deadly danger every time I've tried to think about money for years and years. I'm finally able to look it in the face and stare it down and start to organize and plan on purpose instead of just keeping up with the minimum to stay afloat. I'm so proud of myself.

It's still a refrain of "GUILT (funny link)" every time I think about money but I'm able to actually make spreadsheets and face the numbers and monthly tracking again, and even make a new full budget which I haven't been able to do in ages.

still feel guilt, overwhelm, and helplessness, but no longer feel as much deep elemental shame and terror. that's progress baby

#we don't need to talk about how many months and months of therapy visits and doctor appointments I put on credit cards #among other things #but I had to put my foot down about it a couple months ago and shout at myself a little saying HEY #I AM SHAKING YOU BY THE SHOULDERS I AM SHOUTING FOR YOU TO HEAR #OF COURSE IT WAS A TERRIBLE FINANCIAL DECISION BUT YOU WEREN'T EVEN EXPECTING TO BE ALIVE #THE CREDIT CARD DEBT WAS NECESSARY TO KEEP YOU ALIVE AND IT DID AND EVERYTHING ELSE IS WAY LESS IMPORTANT THAN THAT #why the FUCK are you feeling SO ASHAMED for making the best decision you knew how to make at the time??? #just because you know NOW that you could have tried some other options doesn't mean you did THEN #you may have known enough to feel shame and guilt yes but you would never in a million years have gotten the help you needed fast enough #by attempting to go another route #you didn't trust anyone besides a very few handfuls of people and even them it wasn't fully #and the stress of running it through parental insurance was so terrifying to you bc you didn't know what that would do #and you never had cosigners for anything your whole adult life. it's OKAY #you fucking DID YOUR BEST #YOU HAVE LEARNED. YOU HAVE MADE CHANGES. YOU HAVE ALREADY DONE BETTER #YOU WILL CONTINUE TO LEARN AND IMPROVE OVER TIME #it is not the end of the world. even the utilities sending you to debt collections etc etc #YOU ARE FIGURING IT OUT ONE PIECE AT A TIME #MORE PEOPLE ARE ASHAMED AND AFRAID OF THEIR OWN FINANCES THAN YOU THINK #if the people who fought and argued with and shamed you for considering student loans much less taking them out #had wanted you to actually be financially safer and healthier #they could have just fucking helped out or cosigned your loans or actively helped you find other solutions #instead of spending months and months telling you it was the worst decision ever and would ruin you financially for decades and such #you made the best decisions you could with the level of terror and knowledge that you had. it was enough to keep you alive. #isn't that enough? #isn't it a victory to survive?? isn't that enough?????? #god i'm cringing at sharing this but if it's been this hard for me surely at LEAST one of you has also made financial mistakes or regrets #and seeing me be honest that I fucked it all up too and it's a mess and I'm just climbing back through it as best as I can as I go #will hopefully make at least one of you feel a tiny bit less alone