Unfortunately, all of the work you've already done in steps 1-7 will have little lasting value if you don't change your attitude toward money. Now is the time to become even more frugal and learn to live within your means.
Stop imagining that more money is going to pour in tomorrow - through finally collecting on unpaid child support, winning the lottery, or getting a promotion. If those things happen, great! You'll be even better off. But living as if they're going to happen is causing you to spend money you don't have.
Instead, force yourself to make purchases with cash only. Do not continue to pay outrageous interest payments toward credit cards for purchases you don't absolutely need. You can get by without that new furniture, right? What else could you skip, in the interest of spending only what you have right now in the bank?
Try These Ideas:
- Check Freecycle before you make another major purchase. Someone else may be giving away the very thing you'd like to buy!
- When you're getting ready to buy something specific, look for it on Ebay first. I buy a lot of my clothes, new-with-tags, through online auctions!
- Forget trying to keep up with "The Jones's." You already know your value; don't get caught up trying to "prove" your worth to others by having "just the right" house, car, or appearance.
- Do not use shopping, ever, to appease your emotions.
- Finally, when you do go to make a big purchase, step back and give yourself a few days--or even a week--to think about it. There's no reason to suffer through buyer's remorse and try to justify to yourself purchases that you really can't afford. Think it over carefully and make those purchases, when necessary, with cash.