The Brutal Reality of Why You're Still Struggling Financially
Here's a real talk about money. Some hard lessons for a better financial future.
Before we begin, I'd like to clarify that I'm not a filthy rich person, nor am I in a state of poverty. I consider myself to be financially stable. And if you’re wondering why I feel qualified to address this sensitive topic, the answer is simple: personal experience.
Throughout my life, I have faced some of the most difficult and heartbreaking circumstances (some of which I cannot openly discuss). However, despite these challenges, I have managed to overcome most of my financial difficulties. While I still have some remaining debt, I have the plan to address it and move toward a more secure financial future.
Let's face it - the self-help industry is saturated with quick-fix solutions that promise to solve all our problems. But as someone who has tried and tested many of these methods, I can confidently say that they are nothing more than a rabbit hole of illusions.
So what's the alternative?
Real-life solutions to real-life problems.
And that’s exactly what you should expect from this article. No sugar-coating, no empty promises - just facts that are grounded in the reality.
Whether you're struggling to make ends meet, buried in debt, or simply looking to improve your financial situation, read this article to learn about the harsh truths that individuals must confront in order to achieve financial betterment.
So let's get started and take a no-nonsense look at what's really keeping you poor.
Don't Mess Around with Debt
When I got my first credit card, I was thrilled. I had a limit of ₹14,000, and I couldn't wait to see what I could do with it.
And do you know what I did? I maxed it out.
At the time, I had enough money in my savings to pay off the debt in one go. But instead, I decided to take the easy route and go for EMIs. I thought, why take the tension when I could just pay off the debt in small installments?
It wasn't until a year later, after I had finally paid off the debt, that I realized just how big a mistake I had made. The interest on that credit card debt was astronomical, and I ended up paying far more than the original amount.
Looking back, I can see that my biggest mistake was not taking my debt seriously. I had the means to pay it off, but I chose not to, thinking that I could keep my money for new and fancier things. But in reality, all I did was saddle myself with a huge financial burden that took me months to overcome.
This is just an example and ₹14000 might not sound like a huge amount of money. But imagine if that debt had been much bigger.
It's not hard to see how people can become trapped in a vicious cycle of borrowing from one place to pay off another debt. Before they know it, they're in over their heads, struggling to keep up with multiple payments, and living with the constant stress of financial insecurity.
The lesson?
Debt is a serious matter, no matter the amount! Don't mess around with debt. It's not something to be swept under the rug.
If you have the means to pay it off, do so as soon as possible. Don't let the allure of a fancy lifestyle blind you to the reality of your financial situation.
In the end, you'll only be doing yourself a disservice.
You Need More Income, No Question About It
Let's be real! All that crap you've been fed about mindset, manifestation, and saving for the long run, is not going to get you anywhere.
Yes, having a positive attitude can help, but they won't do much for you if you're barely scraping by on a low income.
The truth is, if you want real financial stability, you need to do one thing and one thing only: make more money. There's no getting around it.
You can save every penny you earn, but if you're not making enough money to begin with, you'll never get ahead.
So, what can you do about it?
The answer is simple: find ways to earn more money. Whether it's starting a side hustle, freelancing, working a second job, or whatever, the key is to increase your income in any way you can.
And no, I'm not suggesting you resort to shady or illegal means — there are plenty of legitimate ways to make extra cash.
Again, it's not going to be easy, and it's going to take some work, but the payoff is well worth it in the end.
Stop Trying to Please Everyone, For F’s Sake!
I get it. We all want to be the big shot sometimes. It feels good to treat our family and friends to a fancy dinner, buy some unnecessary thing for the home, or pay the bar tab without even thinking about it.
But let me tell you something — trying to please everyone all the time is a surefire way to drain your bank account and land yourself in financial trouble.
I've been there myself. Trust me on this!
My family and friends think I'm rolling in cash, so they're always asking me to cover this bill or pay for that treat. And sometimes I go along with it, just to show off and feel good about myself. But then I'm left with a big fat credit card bill and a feeling of regret.
So trust me when I say this: it's time to stop trying to please everyone and start living for yourself.
Learn to say NO when you need to, and set boundaries that protect your finances and your sanity. Your bank account will thank you for it, and you'll feel a lot more in control of your life.
The Closing Lines
So there you have it. Stop messing around with debt, start finding ways to earn more money, and for f's sake, stop trying to please everyone around you. These are the real, raw, and authentic truths that nobody told you, but you need to hear them.
If you could relate to any of the scenarios I mentioned, let me know in the comments. And if you know someone who needs to hear this, share it with them.
I know there are more things I could talk about but I think this is enough for this read.
Take this as your wake-up call.
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