Commitment made to be Debt Free – CHECK
Debt Freedom Plan – CHECK
Family on Board with Plan – CHECK
Workable Budget – CHECK
Bad Habits with Money Changed – CHECK
Preparation for Unexpected Expenses – CHECK
Patience for the time it takes to Pay off the Debt – FAIL
I see the light! And I want to run towards it, out of this debt tunnel. But for now, it’s just a waiting game.
The debt that seemed overwhelming in the beginning, has now progressed to an annoyance . It’s the stain of our past poor financial choices. The scarlet-letter “D” that sits there as we wait for the paycheck to put another chunk towards paying it down. We get the paycheck, we pay the bills and then we wait, and wait, for the next paycheck to roll around. And the cycle continues…
In the meantime we continue to do the right things, we stick to the budget and we forgo impulse buys. What else is there to do when you’re saddled with debt?
Perhaps I’m being a tad overconfident but we just had a month where: one of our animals required a vet visit, there were three family birthdays (gifts), one christening (gift) and the TV Broke. We made it through without resorting to credit card use, because we were prepared.
I feel invincible and impatient. That scarlet “D” is still hanging around as a reminder of the past, but it is no longer representative of how we handle our money.
Our “reasons” for being in debt seem so pitiful now that I hesitate to even write them. I can see, only in retrospect, they were the root of all our debt:
1) We really didn’t care.
2) We took the easy (irresponsible) way out of everything.
It was that simple. All of the excuses that go along with those “reasons” are just that, excuses. So the “D“, while annoying is rightfully deserved.
I take being debt free very seriously, but it is hard to keep solemnly caring about it. We made financial mistakes, we rectified them, we are making slow and steady progress. Wake me up when we get there.
Our dreams, like travel (paid for with cash), seem attainable. I look forward to that time, while I begrudgingly wait patiently for that day to arrive.
To those just starting to get out of your money mess, it does get easier, in fact in gets downright BORING. (But in a totally good way.)