A Old Promise Helping Me to Get Out of Debt

“Did you try it? No? Then how do you know you don’t like it.”  That was a fairly common refrain from my mother (I have no kids as of yet but I’m thinking that is a common refrain from any mother) when I was younger.  My answer was of course “I just know I don’t”.  Then she struck a deal with me—I had to try whatever it was and give it an honest try but if I truly didn’t like it (and as moms always know when their child is lying—I shouldn’t even try to lie to her) she wouldn’t make me eat the rest of it and I would never have to eat it again.  Now this deal really worked with me—I even was surprised when I would actually like things that looked weird.  I still try things when new food is presented to me—and I always give it the honest try that I once promised my mother I would.

What’s this got to do with anything? Besides the food theme I seem to have going on this week?  Simple—I used to shy away from trying to get out of debt because I didn’t think I could.  Had I tried? Nope but I still knew that I couldn’t do it so why should I even try?  Henry Ford has a quote that I think fits in really well with this: “Whether you think you can, or you think you can’t–you’re right.”  I didn’t think I could get myself out of debt so I couldn’t.  I had no PLAN, I had no motivation and would just tell myself every single time I got a new bill or notice that ‘I knew it—no sense in trying when I just keep getting more in debt every month.’  Well of course I kept getting more in debt!  I wasn’t paying it down and was instead spending more on the credit cards or ignoring bills.  I failed because I knew I would.

Then I had my wake –up call a few months ago.  I stopped ignoring the bills and started to gather all the information I needed.  I came up with a budget that could work and a plan that will work.  Is it going to be hard work?  Of course but I think that it will be worth it in the end.   I just have to take baby steps as I get an emergency fund set up and try to pay down bills at the same time.  I know it can be done—if other people can do it, so can I.

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