Burned Out On Debt

I’m getting burned out on all this debt stuff again. We seem to be going nowhere with credit card debt. Stuff keeps coming up every month and I feel like we can’t reduce the debt. One thing I’ve learned is that life goes on while you try to get out of debt. Family and friends will continue to have birthdays. Someone will get married this year or have a baby shower, so we will have to purchase gifts. Our HOA fees this year will be another $875 dollars! My car will probably break down or the dog will need expensive medications. The wife will probably need more contact lenses and I’m sure my dentist will find something wrong with my teeth that our insurance won’t cover. I’m sure the price of gas will go back up and groceries will probably continue to go up. It is all very frustrating, feels like the paychecks barely cover most of the expenses and debt payments.

The spouse and I received our raises for the year, the spouse got a 2.5% increase and I got a 5% raise that I feel I don’t deserve. Together this will bring in an extra $150 dollars a month. I know, I should be thankful that at least we got something, but something tells me will be in the same boat in the coming months, living paycheck to paycheck.

To make matters worse, a close friend told me that debt is a part of life, something you never get rid of and it stays with you forever…I don’t know what to believe anymore.

I wish $10,000 would fall off the sky in to our backyard…

HS