I am still adjusting to this new level of debt, but it can really only get better from here.

Some good things:

-I’ve been better about making my lunches
-I’ve promised myself I won’t renew my yoga pass
-I got a free bus pass because I’m in classes
-the collections people lowered my payments today when I told them about rent going up (etc.)
-I’ve been tracking my budget, so at least I can look for bad patterns

It’s only been a few months since I really cracked down, and those months were in summer, so it’s been hard to not go out, and I’ve travelled a bit. This fall will be busy and I think that will help things as well.

So long as I’m consistant, this will probably be the worst time for me in terms of debt. It can only go down from here, however slowly.