Sometimes this debt repaying thing is so hard and so boring. But I know it will be so worth it. I caught myself in a moment of ‘woe is me’ earlier this week which lead me to fervently tell myself I AM NEVER GOING TO GET MYSELF INTO DEBT AGAIN.
Ah, but the best laid plans. The biggest promises. The ‘in the moment, hand on heart swearing black and blue’ oaths, sworn in times of frustration/ anger/ inability to buy new shoes.
Sometimes, down the track, when you are out of the black (or red) hole – all those feelings have faded. And temptation may find itself knocking on your 0.00 credit card balance door.
So, I have decided to write future self a letter. Should that temptation come knocking. A letter written in the moment of the debt nightmare (NOW!)
Dear Future Debt Free Self,
So you want to take a trip huh? You’ve saved hard. But your still a few thousand short of making it a fabulous trip. And you are impatient. You want to go NOW. Your thinking about a loan huh….yes, yes, you are. Ive seen that look before. That’s how we got in that debt debacle a few years back – helloooooo, remember?!!
Remember how embarrassed you were to tell anyone how much debt you were in? Remember worrying all those night about that increasing card debt. It kept you awake at night. It stressed you out. It made you feel like you were a big fat financial loser. Like you would never get ahead. Worried if something happened, and you were out of work with no ability to pay. Remember when you WERE out of work. Then remember PAYING OFF that debt. That was HARD WORK right. It was boring and tedious. You never wanted to be there again. You swore to me (to you) that you would never buy something you couldn’t afford. It’s not worth it. SAVE that extra 2 thousand. Make some sacrifices now, so you never have to make those annoying Debt Be Gone sacrifices AGAIN. Sacrificing for savings is sooooo much more awesome than sacrificing for debt. Then kick back on your holiday – knowing you earned it. You didn’t charge it.
In Debt Self of 2013