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The few years after graduation are pivotal in a twenty-something's life. We start to realize that our waistbands aren’t going to bounce back. That our old clothes are suddenly no longer age appropriate. That we can’t stay up until 3am and be up at 7am anymore. And that the days of throwing cash or a credit card around are now over.
With the purchase of my first new “new” car and the subsequent loan I realized that the cash is no longer following in. I was one of the lucky ones who had their parents pay for their college education and car insurance, but now my parents are cutting the umbilical cord of money and I suddenly find myself in a place where my expenses are more than my income. Like everyone else I would prefer to stay out of unmanageable debt (unmanageable: because there is a certain about of debt that most people incur in their lives). To do this I need to:
Accept - They say the first step to getting over a problem is to admit that you have one. I am admitting that I need to stop spending the way I currently am in order to avoid not being able to pay my credit card bills.
Plan - Of course, it’s not enough to just say you have a problem. You have to plan a course of action. In my case that course of action would be to take a detailed look at my finances and plan a budget of myself.
Action - Talk is one thing, action is another. Change usually accompanies action. There’s a reason for the phrase “champagne taste on a beer budget.” Mentally I need to change the way I think about spending.
If I don’t follow my APA plan I could become just “Another Poor American.”
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