-Figure out how to budget. Can't keep deferring these loans forever
Are you using anything to help with this? I've had a Mint account for years but never did anything with it until a week ago. Went through and categorized/renamed all my transactions for the past four years, and set budgets for each category. I also have a Google Sheet with my budgets of course.
Best part of using Mint so far is the Transactions widget I added to my phone's homescreen. Hopefully I won't be surprised when things drain my bank account anymore.
It's been illuminating going through the categories and seeing just what I spend on certain things. In 2015 I apparently spent $1300 on bars and alcohol.
But that's like $25 a week. And last month I apparently spent over $100 at a quickie-mart next to my apartment.
But now I know. And knowing is half the battle!