You have to be diligent when it comes to budgeting. Keeping up with the Joneses and buying things you cannot “afford” are a waste of money.
Before the Neolithic Period in human history, people were largely nomadic, and they carried everything they needed for their families on their backs from place to place. Can you pick up everything you have and carry it around? Probably not. Do you really need so much stuff, and clutter in your house?
Start selling things online to maximize the value that your stuff may still retain, and be responsible, and pay down your debt. It is pointless to have so much stuff, think you are saving money just because you have a “savings” account althewhile you are in debt. This equation does not make any sense. Slovenliness is not a virtue, but diligence is.

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