Honesty: Always the best policy

My 2010 was one of the worst years I ever had in my life. From financial disasters to family crisis, it was one roller coaster of emotions.

My 2011 started out with a very big responsibility to handle. I got promoted, I got married and we (my hubby and I) moved out from his parent's house. We opted to rent because we believe that privacy is priceless. :)

As I've mentioned earlier, I've experienced financial problems last year. I have always been so stupid in handling money. It has always been my weakness. But I believe that I'm gonna get over it. I believe I can save enough for our future and for my mom as well.

Earlier ago, I took the courage to tell my husband that I am once again in a very freaking kind of financial disaster. Yes. I am. But I believe that I can resolve the issue. It only takes discipline and the will power to change.

My husband was not surprised at all but he was so disappointed. But in the end, he managed to forgive me and helped me re-align my financial goals. So, I listed all my payables and set the goal to settle at least 50% of it by April 17, 2011.

One step to move on from a financial mess is to be honest with your family members and with yourself as well. I've learned that no matter how I try to fix my financial problems, I end up having more and more debts. It's because I have always been in denial of the real situation.

I believe I can move out of debt. For now, I will settle all personal debts. By the second quarter, I pray that I can start settling my credit card debts.

I believe I can.