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ABOUT JANEANE

Superwoman: noun

1. wife
2. mom of 4

I am Janeane Davis. I describe myself as a Superwoman, aka a wife and mother of four. I am an African-American mom blogger whose mission is to inspire, encourage and motivate women to be their best in business and at home.

I am the author of " How to Advocate for your Children to Succeed," a book created to help parents help their children to reach their own visions of success.

I am the President and Chief Executive Officer of James, Davis and Associates, a private business consulting firm, If you need help motivating and inspiring your employees or making your business operations more efficient, we should talk.

Contact me directly at 215-586-3897, or janeanedavis@
janeanesworld.com to schedule a consultation.

A child's love is more precious than gold.

 

Debt – It Exists – Don’t Hide From It

 

 

debt a to z challenge www.janeanesworld.com

 

It is fantastic to recognize that debt is real and not be afraid of it, face it head on and control it. Debt is a matter of life. It exists and for the most part like death and taxes it cannot be avoided. It is important to get a good and healthy attitude toward debt. If you have debt, admit it exists, don’t from it. After all, unless you take action now,  it will not go away.

Take a look at your finances both professional and personal. If your look reveals any of the following, you have debt:

  • mortgage
  • loan payments
  • credit card bills
  • utility bills
  • association fees
  • membership dues

Now this list of items is not scary at all. These are just regular things that are a part of everyday life at work and at home. When you think about your debt in a calm manner right now, debt is not scary. When you think about your debt when you are being objective, you see that debt really is just a part of everyday life at work and at home.

Don’t hide from your debt. Instead make plans to manage it, to eliminate it where possible and pay it in a timely manner. Where you can avoid spending on credit cards or you can pay off credit card debt before finance charges accrue, do that. When it is possible to be more efficient and make utility costs lower, take those steps. The money you save on each monthly bill can be put to better use elsewhere at work and home. Consolidate memberships and subscriptions so that you are only paying for what you need and actually use. It is always wise to eliminate debt by getting rid of the unnecessary and unwanted.

Debt is a part of everyday life. You manage your everyday life and managing your debt should be seen as a part of everyday life. You will see that when you stop hiding from your debt it will be less stressful, less scary and less of a source of anxiety.  It is your life and your debt. Step up and take control.

 

In conclusion, it is fantastic to recognize that debt is real and not be afraid of it, face it head on and control it.  So, the question for you this fantastic day is what are you doing to take control of your debt?

55 comments to Debt – It Exists – Don’t Hide From It

  • Jhady

    I can’t wait to get out of debt but when one is done and paid another bill comes lol. It sure is part of life and you can’t avoid it.

  • chubskulit

    It would be so nice to live debt-free life but it is almost impossible.

  • So true – might as well face it head on.

  • Debt can really help once we learn how to use it wisely.

  • Krissy Higgins

    We are on our way to paying off our debt; We’ve been following the Dave Ramsey program, snow-balling our debt, and it’s definitely the way to go.

  • Such great advice. Pretending debt doesn’t exist just gets you in more trouble!

  • Sandra @ My Frugal Savings

    Yep and I can’t wait to get out of it! I have 1 more bill to get rid of and then I am debt free! :) Been too long since I’ve been able to say that and it feels really good to know that by August 2014 this will be TRUE!

  • April Mims

    Getting out of debt is one of the best things we have ever done. I don’t think that it needs to be a normal part of life for anyone. If you can’t save up and pay for it, you just can’t afford it. I don’t look at utility bills as debt though….that’s more of a bill for actual use that gets paid immediately.

  • Christina Shirley

    We have A LOT of debt here. I have student loans (but have never completed school), old credit card debt from when I was young and dumb, and now a crazy amount of medical bills. It is what it is and it’ll get paid off at some point I suppose.

  • TheNewClassy

    Hiding from debt definitely doesn’t make it go away, thus your stress won’t either. You may as well just dig in and plug away.

  • That’s true, we should leverage on debt instead of being burdened by it.

  • UH, I guess this is how life works but it does feels good once you paid off everything!

  • chubskulit

    When I was in my country, I did not have any debts but coming here, I have some but very manageable.

    http://www.sailorsmusings.com

  • Debt can very hard to manage and can get out of control quickly. That is the one thing that my dad always said was to take care of your debt at all times.

  • Angela

    Debt can be so overwhelming. I remember a day when all I wanted to do is hide my head in the sand. Become nearly debt free has been so liberating for me.

  • Amanda Her

    We try to be careful throughout the year to not get further in the whole. Being in debt can feel like it’s sucking the life out of you sometimes.

  • Debra Rutt

    The Hubs and I are super careful and we don’t even like to carry any sort of balance on our credit cards. It was in-grained in me from my dad who grew up during the Depression – not to go into debt. The only thing we’re paying off is our mortgage.

  • Amy Desrosiers

    I only have a healthy mortgage debt here..thank god!

  • Christie

    That mortgage is a biggie. We will feel so much better when that is paid off!

  • Catherine L.

    We are currently in the process of paying off all credit card debt. Unless something major happens we are not making any new debts. Two more to go and we will be debt free.

  • Bobbie

    We don’t have an BIG debts other then our house. We recently bought a 2nd car and we saved for it (although we financed 1 year on it). We try and save and use less credit. The less credit we use the better!

  • Teresa McCluskey

    I don’t have any major debt just living day by day my debt is making sure all my bills are paid on a monthly basic

  • Amber Killmon

    I finally got myself out of debt and am now trying to keep my head above water without getting further behind. It’s definitely a challenge in today’s world.

  • Laurie Floyd

    We live in a society that wants instant gratification…..that can mean debt!! Learn patience and only buy what you can pay for and afford. Hard lesson but one I have learned the hard way! :)

  • brett

    i had debt – over 25k – when i met my husband. i was leasing a car at the time and when the lease was up his parents GAVE me their old car to drive so i was sans car payment so i could pay off debt before we got married. best gift ever. it took me a LONG time and a lot of extra jobs.

    since then?? if we can’t pay for it? we don’t buy it. i don’t want that pit in my stomach permanently again. we owe our mortgage and that’s it. we drive older cars- and even when we needed a van, we did one used and paid cash. debt is such a scary thing. i’d rather go without than have it again… obviously there are times in our lives we can’t always help it but i’m doing my best to ensure we have a cushion of 6-12 months savings so it won’t

  • Oh it’s really very hard to keep debt-free when hard times hit me most, but I’m very determined to lower it. Thanks for this post, it reminds me.

  • Susanna Barbee

    I need to post your quote in my car, on the fridge, on my bathroom mirror, etc., etc.!! We don’t have astronomical debt, but the little we do have worries me all of the time.

  • Debbie Lamb

    Living within your means and being free from debt is a amazing feeling. We worked very hard through our marriage to be where we are today and it is a amazing feelign of freedom.

  • Liz Mays

    For me, a mortgage debt would be fine, but credit card debt, no way!

  • Veronica Solomon

    Debt Is a big reality of life but I would like to eradicate mine as soon as possible

  • Mama to 5 Blessings

    There was a time in my life (younger days) I was in debt and I Learned that lesson and I never want to go there again. It took me awhile to get out from underneath it/

  • Tracy Iglesias

    Unfortunately the US Economy has not really bounced back from the recession and Debt is a sad part of American Reality. Thankfully I got good Financial Foundations and learned how to use credit wisely early on which I am very much grateful for. I always make sure I live within my means so I can avoid debt as much as possible.

  • Jenn @ The Rebel Chick

    Debt is a reality. The key is controlling it and spending within your means.

  • valmg

    You are absolutely right. Debt is a part of life. And it always will be.

  • Shauna Torres

    We lost everything years ago and since we try to only purchase things we can purchase with money. We even purchased our house with cash. We just got a car and have our first car payment in years.

  • Pam W

    We try our best to pay everything up front, and if we can’t we pay off our credit card bill at the end of each month. It saves us so many headaches.

  • anniestow

    We definitely are trying to get our balance to zero on our two credit cards – that damn trip to Disney did us in! But we pay online and we pay a big chunk every month! I hate debt!

  • We seldom use cash any more. We put almost everything (even small purchases) onto credit cards then download the information into Quicken. Seeing all those dollars helps make it all real and we’re accountable. Sometimes using cash you just do it without thinking. Of course, we pay off our credit card each month.

  • I finally paid off all of my debt, it felt amazing! I had gotten myself in a big jam through college and it’s defintiely not a good thing! This is great advice!

  • Angela S

    It’s one of those things that will never go away on it’s own. I try to pay things off as soon as possible. Great advice.

  • savoryexperiments

    Good advice. Thank goodness we don’t live beyond our means.

  • Dina Demarest

    We are mostly debt free. We owe on our house, one home depot card that gets gas on it monthly and I owe for college. I’m thankful that besides medical that’s all our debt.

  • Simply At Home Mom

    I agree, hiding from debt is just going to make the problem much worse!

  • j. Merrill

    Being completely debt free isn’t always possible for everyone but It’s something worth working towards, one step at a time.

  • Jen V

    Great advice. My oldest daughter needs to read this. She is currently trying to hide from her student loan debt. I can’t seem to make her understand that it will haunt her for the rest of her life if she ignores it.

  • ♡ Toodies Momma ♡

    Yes, debt is definitely something that should not be ignored. I know some people that could care less about their debts and their credit being affected. My mom raised me to always be responsible with my money and also paying off my debt, including credit cards.

  • Debbie Denny

    Yes, must deal with it head-on!

  • Keikilani Jackson

    This is good advice. Debt is real. Ignoring it certainly does not make it go away

  • Melinda

    great advice you’re sharing. We don’t own credit cards so that’s a step in the right direction

  • traceynicole

    Great advice! Your blog is always so full of knowledgeable tips.

  • Lisa Jones acouponaddict

    Thank You For The Great Advice I Use Credit Cards But When I Get My Taxes I Pay Them Down Or Off!

  • Christine Luken

    I’m debt-free except for my mortgage, which is a great place to be! My goal is to pay that off in the next five years, if not sooner.

  • Robin Rue

    I actually paid off my credit card last year and I can not even tell you the relief I felt afterwards!

  • forhisglory28

    Thank you for sharing. I loved this post. Back when I was in 30k worth of debt years and years ago, I didn’t want to admit it, even to myself. The problem is that I couldn’t FIX the problem until I took a good, hard look at the truth. It was really hard, but it was my first step in becoming debt free. Now, as a single SAHM, I’m completely debt-free and couldn’t be happier! Lots of love from Sarah @ SarahTitus.com ~ Saving Money Never Goes Out of Style

  • Visiting from AtoZ
    I’m writing “Things My Husband Broken” atoz
    Kimberly
    http://AMomsPointOfView.com

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