Tuesday, May 13, 2008

Debt Thoughts

I am well and truly sick of debt. Not sick of being in debt since I've been out from under it for a few years now. But talking about debt. Or more generally complaining about debt. From people who constantly sabotage themselves when it comes to debt. There was a time when I read every book on the shelf ( and some that weren't) to try and come up with a plan to get out from under the mountain of debt that we accumulated in our 20's mostly through lack of attention and carelessness. But really it was simple. Not easy. Simple. I read all the books, made a plan, decided as a family to implement it and that was it. I TWEAKED the plan as needed. I didn't reinvent it every two months as it became less exciting to do. Really just doing the plan was exciting to me. Every month my charts showed progress. I had a goal. What more do you need.

I guess more than being in debt is complaining about the cost of things like gas. If you

a. smoke
b. drink excessively
c. eat out many times a week
d. drive more than 30ish miles to work
e. have newer cars with payments
f. many many other frivolous things

then STFU about gas. Some people may disagree with d but come on. Unless like a coworker of mine you have an actual working farm sell that mf'er you are in and move closer to work or get a new job. I did both. Wow. Not hard.

Side note. I have alot of sympathy for those newly out of debt who find it a little less exciting than the journey there. I mean the goal is gone. It's one thing to get out of debt with a concrete goal. $0 debt. It's quite another to say I want to save $1M and retire. Or some other huge abstract goal. So keep at it for those who followed the light to the end of the tunnel and found.....another tunnel.

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