Thoughts of the Future

Part of what is helping me get out of debt is thinking ahead to the future.  I started to think about what my life was growing up.  Yes I loved my family but we were extremely poor.  I don’t want to go back to that life and I thought about all the mistakes I’d been making that were leading me back in that direction.  I’m not going to say that it was an easy decision to make—it is extremely easy to delude one ’s self that everything is fine.

That is until I started to ask myself questions about the future.  Did I always want to be living paycheck to paycheck?  Did I want to continue asking myself what I needed more: gas money or groceries?  I eventually want a family and I knew that I didn’t want to be barely scrapping by when that happened.  I didn’t want to have to room with someone just to make things a little cheaper.  Maybe someday I want to own my own house—I moved around so often when I was younger that I always dreamed of having a permanent residence.

The more I started to ask myself these questions, the less easy it was to ignore my growing stack of debt.  It was harder to justify eating out all the time or buying that new whatever it was that I “needed” at the time.  It gave me that much-needed kick in the pants to finally sit down and figure out what I was going to do.  It wasn’t easy and I won’t lie—I’ve slipped a time or two or three.  But I’m much better now than I ever was.   And I continue to do better as time goes on.   Whenever I have doubts I think ahead of what I want later on in life.  The life I want is closer with every dollar I save and with every debt I pay back.

                This is what motivates me.  What motivates you? How do you stay on track?

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