Create a personal budget or financial plan.

“I sat there with tears rolling down my cheeks trying to figure out how I could pay it off. When I got home I pulled up a Google Sheet (this exact one here) and gave my first petty attempt at building a budget. To say the least, I hate budgets. After a few hours of thinking it through, I decided to sell my car, most of my surfboards, as well as my professional trumpet to pay it off. That sucked. But it forced me into an uncomfortable place and brought about self-motivation to create a better life for myself.”

“I have made hundreds of budgets and for some reason, never thought to do this so an expense comes up, I “wing” it and am constantly poor. I could never figure out what I was doing wrong? I have ADHD and other stuff and am crap with money and planning, as it is but every time my budget fails, I blame myself for overspending. I’m going to do this today so thank you again”