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Message: <blockquote data-quote="MendozaJ" data-source="post: 3211703" data-attributes="member: 55737">I had no life as a PTer, even with all the time on my hands because I couldn't afford to do anything.  I had some savings to lean on, but that was slowly being chipped away to zero.  From that experience, I learned how to better manage my money, control my impulses, and live on a tiny budget.  Prior to this, I would have bought an iPhone X just because, and spend years paying it off with minimum payments.  When I went FT, I was able to pay off my credit cards within six months. This all happened because I created a plan.  You have to outline your goals, week to week, month to month, year to year.  PB&J for dinner was no fun, but damn if those steaks don't taste great now.</blockquote>