Do feel sad about having to turn down things because you don't have the money?

I have a great group of friends, and I am ok spending a little with activities $5-$10 I am cool with. But when it comes to anything more I feel not only am I declining to go I feel sad that the real reason I am not going is money. They are currently thinking vegas trip and I am thinking it would be fun but yeah right. Even if it was something near by like a nice dinner out or going to see a show I feel like I shoud decline because the money has the cc to pay off. How do you deal with feeling restricted by the pocket book?

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Kimberly Proud Mommy to Bethany Rose April 2006

Yup! It sucks to be controlled by debt! You are sitting there with your friends just hoping and praying that no one suggests anything that will cost you money! You either just smile and go along with it because you're too prideful to say you can't afford it or you have to fess up and feel like a loser because you got yourself in a mess of debt and are paying for it now! Either way sucks!

Sometimes I feel sad, but mostly I just feel poor. LOL Seriously though, I just think to myself I cannot do that certain thing everyone seems to be doing right now, but later down the road, I will be able to.

I am desperately trying to get rid of my cc debt and people around me just don't understand when I say "I don't have the money for that." In fact, I tell my parents that all the time, and my dad gets mad and thinks that I am trying to sponge a meal out/pizza or whatever else it is off them, but really, I just don't have the extra money most times. I'll tell you, it is a very hard thing to get out of debt being single.. everyone seems to think that since I am not a 'complete family' that I should have money flowing out my back end or something. What makes me feel good though, is the fact that in a year and a half I will be cc debt free... A couple couples that I am close with, I often wonder how they can make it.. they do make more money than I do but they also have more bills/debt to pay. They always seem to be doing something, fixing something, buying something expensive.. I have never been the envious/jealous type, just wonder how they can manage.. I know that they are in debt more than me though, so that makes me feel better that I don't have the worry of debt that they do.

Sometimes but then I make myself stop and think about why we aren't spending the money or if we don't have the money, why. Usually its because we've done something else with our money (even if it was just get debt lol). So really its about choices.

Our friends just went to Country Fever and we didn't go because tickets were $60 each! Yeah its nice to see the bands and hang out with friends but there was so much I would rather do with that much money. BTW it rained on them!

Right now we are trying to pay down our debt so in reality yeah we could have had the money but instead we are putting it towards our debt. Some people just don't understand that.

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Proud mommy to adorable Kinsley

MY BLOG!

When I give the we don't have money for that thing to my parents they have either offered to pay or to pay off our CC entirely and we could then pay them back. They know things are tight and that our debt is from a tax issue. But we are too proud to ask to borrow the money now when we still have a 0% intro rate on the CC. I hate that they are still always the ones to pay when we do things.

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Kimberly Proud Mommy to Bethany Rose April 2006

I have either accepted the limits of my income or have come real close to a debt to income ratio that is comfy because I don't generally get worked up over not having the money to do or get something I want. Occasionally I will get bummed if we are having a dry spell - DH is self employed. I pay all the bills he funds all the fun stuff and savings - so if he isn't making any $$ we are not doing or buying much.

I do feel sad sometimes, and it makes me feel like our lives suck, but when I REALLY think about it, we are probibly better off than others, because we are so careful. And because we are, we aren't in tons of debt, and have good credit, food, a house, a baby on the way and aren't quite paycheck to paycheck, so I know we are more fortunate than a lot of people and shouldn't feel to town, we have a lot if I remember to look. I find myself having to give that speech a lot though, in particular when my husband wants to spend $600 on a video game system and feels mopey that I say it's WAY out of the budget right now, lol

I know how you feel. Every decision I seem to make is money driven and it is sooooo depressing. Yesterday my son (6) and I had eye appointments. My glasses broke and it's been 2 years since my last ones, so I had to go and took my son for his first exam. It turns out he needs glasses, and I knew it was a possibility and budgeted accordingly. I go to For Eyes for glasses as they are so much cheaper than everyone else. Well, my glasses cost almost twice what they used to! So because I had to buy my son's glasses, I skimped on my coatings so that I could keep the bill at only $100 over what I thought it would be

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~*JAMI*~ GO RED SOX! WORLD CHAMPIONS!

I Am In This Boat Too. Some Times I Deal Pretty Good, Other Times I Really Let It Get Me Down. Summer Time Is Really Hard B/c There Seems To Be Alot More To Do. Since I Moved From Mom And Dads (11 Years I Ago) I Havent Had A Vacation. My Kids Would Love To Go To The Water Park, But For The Family To Go It Would Be $100.00 And We Just Don't Have It. But I Also Look At It This Way, Our Bills Are Getting Paid And We Have A Home. Some People Can't Say That. I Have Faith It Will Get Better If We Keep Trying. So Lets All Be Proud Of What We Are Trying To Do, Be Debt Free, And Not Let Others Discourage Us.

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Jennifer

Money must be managed first, spent later -Mary Hunt

I just finished Dave Ramsey's "The Total Money Makeover" last night and one of the letters in the book summed up my way of thinking in one line...

"Don't even consider keeping up with the Jonses. THEY'RE BROKE!"

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Stay at home mom to my 3 boys... ages 5, 3 & 1!

I can do all things through CHRIST who strengthens me. Philippians 4:13