One day my gorgeous boyfriend who happened to be both filthy rich AND of exotic European back ground turned to me and said (in an extremely sexy accent)
‘Darling, your debt? Forget this! I have paid it all. And I, also being an extremely generous man who loves giving gifts, have deposited enough money into your account so you will never need to work again. We can sail together, for the rest of our days on the Italian coast, running hand in hand along beaches at sunset. Oh, and you will also be able to eat cookie dough ice-cream every day for the rest of your life and NEVER GAIN WEIGHT…
And then, like the story always goes, I woke up.
Still in debt, and not in any way immune to the calorific content of a bowl of cookie dough icecream.
Before I got serious about smashing debt, I always felt worry about my financial situation kicking around in my mind…sometimes is was vague worry, just scratching around back there. Other times it was a big ‘WE NEED TO GET THIS S*^t SORTED ASAP’ worry voice booming out.
I knew the situation was grim, but it seemed so big that I refused (stupidly) to think strategically about the situation. So this nagging worry and anxiety about my finances was always lurking around, and it sucked.
When that booming voice boomed so loud that I could deny it’s boom-i-ness no longer, I finally stopped making excuses to get out of debt. I took ACTION. I created a PLAN to attack my debt and made the LIFESTYLE CHANGES necessary to implement this plan.
And as soon as I made that first payment towards my debt, although it barely made a dent, that anxiety and worry lifted from me. The annoying booming voice disappeared. I was still in debt. But I was in control, and I felt a lot calmer. I had a plan – direction and focus. I was no longer wandering aimlessly around the Big Scary Land Of Personal Finance. I had a map. And I was on my way.
The important thing to note, is the map had always been available to me, and it’s directions to get out of this mess would never change:
Directions – walk straight along A Lot Of Hard Work and Sacrifice Street, turn right at Repayment lane. Then repeat over and over again. Eventually you will come to a gate that says Debt Free. Walk through this gate and NEVER TURN BACK.
Although I am still in a lot of debt, and not a cent of savings to my name (yes, I am freestyling a bit and bucking the Emergency Fund trend for the moment….) I actually feel less financial anxiety than I did when I had savings and debt.
Because I’ve got my directions, I know what I need to do, my mind is set and I am getting the heck out of this place.
And Im taking this bowl of cookie dough ice-cream with me.