You have the power to make the decision right now to take control of your life, your finances and your happiness!
Are you tired of being in debt?
Tired of your entire paycheck disappearing after you pay all your bills?
And does the thought of budgeting in order to pay off your debt make you cringe because you know it means you have to give up your morning latte, your occasional (ahem, frequent) trips to Madewell, and your ultra secret guilty pleasure trips to Dairy Queen?
Or is that just me?
I’m starting to believe that the mindset that you need to give up everything you love in order to get out of debt is what’s keeping you in debt.
- The thought of giving up everything you love sounds so miserable you won’t even bother trying.
- You’ll try and fail because you can only deprive yourself for so long before you go crazy and spend more money than you saved.
I believe the key to a successful budget and getting out of debt is to figure out what your ideal life looks like and then design a budget that supports that life.
No, it’s not going to be easy in the beginning, but doesn’t it sound worth it? And actually easier in the long run?
Because if you’re living a life you love and have a budget in place that helps you live that life, well then that doesn’t sound like much of a struggle to maintain.
I’ve recently started exploring this strategy in my own life, and I still can’t quite believe how much it’s improved my life.
Now, I’m not saying I’ve completely got all my sh*t together with the snap of a finger. I’ve definitely still had some setbacks, and there’s a lot more work to be done. But I’ve done the “deprive yourself” thing before, and it didn’t work for me.
In 2006, I decided I needed to finally get my act together and at least figure out how much debt I was in. I had no clue.
Before then, I would glance at my credit card statements, but I was too afraid to add them all up to see the total number. And I really did not want to add up how much interest I was paying each month.
But I finally sucked it up and just did it. And actually, knowing the amount relieved a lot of stress because it was better than the unknown.
So then I started trying to pay it off.
And I did eventually pay it off. In December 2015, I made my last credit card payment. That’s right, it took me 9 years! I should mention that the most debt I had at one time was $20,000.
Depending on how you look at it, that’s a lot of money, but it’s also not very much. It’s definitely not an amount that should take 9 years to pay off.
I’ve identified the 2 main reasons it took me so long:
- I didn’t have anyone in my life to keep me accountable. None of my friends or family were trying to get out of debt at the same time, so they didn’t understand or weren’t supportive when I said I couldn’t do something or afford to go out with them.
- I was so miserable from always depriving myself that every so often I would freak out and go on a shopping spree, using any excuse I could come up with (I deserve it for being so good the past few months, work has been so stressful- I deserve a little treat, life is short, etc).
Does any of this sound familiar?
If it does, I want to invite you to get out of debt with me.
Now, I know I just told you I got out of debt in December 2015, but guess what happened a week later? My kitchen fell apart! Seriously, the cabinets started to fall out of the wall.
So, one kitchen renovation later, I’m right back in debt.
And I don’t want it to take me 9 more years to get out of debt. This time I’m doing it right. If you’re ready and willing to join me, I want us to keep each other accountable.
While digging myself out of debt the first time, I learned a lot. I can help you get started by helping you create a budget and create a debt payoff strategy and more.
But most importantly, by doing this together we can keep each other accountable and keep each other motivated. Knowing you're not alone is one of the most important things that will help you succeed.
And together, we can figure out how to love our lives while we get out of debt.
I’m going to be sending out weekly emails where I’ll tell you the strategies and tips I’ve learned for how to budget, negotiate better deals with credit card companies, and more.
You know, all that technical, financial mumbo jumbo the experts are always trying to tell you, but I’m going to tell you what worked for me and what didn’t.
I’m not a financial wizard. I’m just a girl who got into debt, managed to get out of it, and learned a whole lot along the way.
In addition to all that financial stuff, I’m going to talk about the process I’m going through to create my ideal life so that I (and YOU) can get out of debt without feeling deprived and miserable. Life IS too short to be miserable.
Not everything in life is under your control. After you get out of debt, your kitchen could fall apart. Your car could break down. You could end up back in debt through no fault of your own.
These setbacks don’t have to ruin your life.
Enter your name and email below to join me and over the next few weeks you’ll get a series of emails from me to help you get started with tracking your spending, gathering all your debt info, creating a budget, and creating your ideal life design.
What do you say? Are you in?