There is endless advice I could give my 10-years-in-the-past self, but I’m going to keep this short and sweet.
Looking back on the past 10 years, this is the only piece of advice that could have improved my life in so many ways. It truly pains me to think of all the difficulties I’ve gone through because no one gave me this advice at age 25.
Dear 2005 Heather,
GET OUT OF DEBT! Start now! I’m serious, RIGHT NOW!
For the love of… yourself (God has nothing to do with this) get yourself out of debt right now!
What’s that? You don’t have enough money left over from your paycheck to pay more than the minimum payment? Well, what if I tell you that I’ll give you $10,000 if you can manage to pay your debt off within the next 2 years. Because let me tell you a little secret: If you don’t commit to paying off this debt now, you will carry it for the next 10 years and you will pay more than $10k in interest charges.
If you keep this debt for the next 10 years, you will live under a constant dark cloud that keeps you from living the life you want to live. It will surround you like a thick fog, suffocating you. It will turn into quicksand at your feet, keeping you stuck in the same spot.
Your constant response to new opportunities and fun activities will become “I can’t afford it”. Would you rather have to say that for the next 2 years or 10 years? It’s your choice.
P.S. Has anyone see the Doctor and his T.A.R.D.I.S.? I need him to deliver a letter.