Quote:
Originally Posted by cicy33
I am sure that I am just seeing the ones that are set financially, but I have been coming to this site awhile now and I post here and there. I won't say I post as much as some but I post more than others. However, I feel sort of like the poor cousin. We do not have anywhere nears the EF most people on this board seem to have, nor do we have the available cash some seem to have. Is it just me or are there many, many more on here that are getting by but not getting ahead as quickly as I would like. We are not rich by any means and by that I mean we together average about $50k a year, our house is not paid for, we have a couple of small loans and the average regular bills are a killer sometimes! I am aware I could cut a couple of areas to have more cash but then I would be totally miserable!
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I think your mentallity towards sacrifice is your downfall. I like you, are not set, but it's the only thing that I am striving for at this time. I am recently debtfree and have saved a 10,000 EF and am starting to invest 9700 a year. This all has taken sacrifice, but I don't feel like I have missed anything.
My mentallity, while living paycheck to paycheck, was to pay the bills and play golf alot. Now, my priorities are to be debtfree, have an 10,000 EF, invest 9700 a year, then play with the rest. I have achieved these goals rather quickly, because I am focused on it.
You begin to thrive on the accomplishments and the sacrifice seems smaller with time.
I suggest you make a plan to achieve the goals you want to achieve, then do it. It won't hurt nearly as bad as you think. Financial peace is worth it. Good luck.