I’m feeling especially led to encourage people who are considering – or on – a journey to debt freedom but are feeling overwhelmed by the process today. My friends, if this is you, please don’t give up. No matter how long it takes, whether 2 years or 20 years, you CAN be debt free. What matters is not how long it takes you to get there, but that you keep on trying.
A journey to debt free, for most people anyway, isn’t usually an easy one. It’s plagued with setbacks, frustration, obstacles and rebellion. There will be days on your journey to debt free that you will be convinced that it’s not worth the effort because the results are coming too slowly. At that point you have three choices:
- give up
- hang tight
- find ways to accelerate your debt payoff
It doesn’t matter how slowly you go as long as you do not stop. – Confuscius
Hanging tight is okay if you think you will stick with it. Accelerating your debt payoff by selling something or getting a second job is even better. Giving up cannot be an option. Why? Because 5 years from now you don’t want to be looking in the mirror and finding yourself in the same place you are today – or worse – in terms of your debt load.
There will be days on your journey to debt free that you will be frustrated by setbacks or failures. Unexpected expenses and income losses may come. The car will break down. The fridge will croak. At that point you have three choices:
- give up
- muddle through
- Give Murphy a kick in the pants by not letting him get you down
Success is to be measured not so much by the position one has reached in life as by the obstacles which he has overcome. – Booker T. Washington
Muddle through if that’s all you can do – muddling through is okay. Giving Murphy and his law a kick in the pants is even better. Break Murphy by overcoming the added expense by selling something on Craigslist. Giving up will only make you feel worse, so overcome that obstacle and move forward in reaching toward your goal.
There will be days on your journey to debt free that you will be terrified that you won’t make it to your goal. At that point you have three choices:
- give up
- stand firm
- push back
Courage is being scared to death but saddling up anyway. – John Wayne
Fear, it’s been said, is simply the opposite of faith. When fear comes during a debt payoff goal or any other goal, you have a choice. You can succumb to the fear or replace it with faith. What will you choose?
My dear friends. In spite of what the lies in your mind may try and tell you, you are not the only one who’s overwhelmed with debt. But you can choose to be one of the “weird ones” who choose to get OUT of debt. What will you choose?
*Photo courtesy of Bernard Goldbach